Florida’s Statute of Limitations for Whiplash Claims: What You Need to Know

Whiplash injuries are a common consequence of car accidents and other sudden impacts that jolt the neck and spine. This injury occurs when the head is suddenly jerked backward and then forward, causing strain on the muscles, ligaments, and tendons in the neck. In Florida, the aftermath of a whiplash injury can be both physically debilitating and legally complex. Understanding the statute of limitations for whiplash claims in Florida is crucial for anyone who has suffered this type of injury. This time frame dictates how long you have to file a lawsuit and seek compensation for your injuries.

What is the Statute of Limitations?

The statute of limitations is a law that sets the maximum time after an event within which legal proceedings may be initiated. In the context of personal injury claims, including whiplash, this means there is a finite period during which you can file a lawsuit against the party responsible for your injuries. In Florida, the statute of limitations for personal injury claims, including whiplash, is typically two years from the date of the accident. This means you have four years from the day you were injured to file a lawsuit. If you fail to file within this period, you may lose your right to seek compensation.

There are several reasons why Florida has implemented a statute of limitations for personal injury claims. One primary reason is to ensure that evidence remains fresh and reliable. Over time, evidence can deteriorate, and memories can fade, making it more challenging to prove your case. By imposing a time limit, the law encourages individuals to pursue their claims promptly, while evidence is still available and witnesses can accurately recall the events. Additionally, the statute of limitations helps to provide a sense of closure and finality to legal matters. It prevents the threat of a lawsuit from hanging over the heads of potential defendants indefinitely. By establishing a clear timeframe within which claims must be filed, the law balances the interests of both plaintiffs and defendants.

Michael Serrano

Founding Attorney

Candace “Cea” Hartley

Associate Attorney

Exceptions to the Limit

It is important to note that the two-year statute of limitations for whiplash claims in Florida is not absolute. There are certain circumstances under which the time limit may be extended or tolled. For example, if the injured party is a minor, the statute of limitations may be extended until they reach the age of 18. Additionally, if the defendant leaves the state of Florida after the accident but before a lawsuit can be filed, the statute of limitations may be tolled until the defendant returns to the state. These exceptions recognize that certain situations may warrant additional time for filing a claim.

Pursuing a Whiplash Claim

The legal process for pursuing a whiplash claim in Florida involves several critical steps. Immediately after an accident, it is essential to seek medical attention. Whiplash injuries can sometimes be deceptive, with symptoms not appearing until days or even weeks after the incident. Prompt medical evaluation not only ensures that you receive the necessary treatment but also creates a documented record of your injuries, which is vital for your claim.

Mike Serrano’s law office was everything I needed after a very traumatic accident. He was always super up front and honest with me. I never got the feeling he was trying to sell me on something or to do something that I wasn’t comfortable with. He listened to my concerns and when it tough moments came that I needed to stand my ground. He backed me and made me feel 100% secure. He got me exactly what I needed in a settlement and I would never consider using anyone else. His office staff is also phenomenal.”

- Mary

Mike Serrano was a great attorney for my case!! He was very flexible with phone calls/ Zoom meetings. His staff are always friendly, whether it be on the phone or emails. They keep you updated during your entire case! They don’t leave you silent for months. if you call, they always call back with updates! Highly recommend!"

- Kylie Collier Border

I’ve never had to deal with a lawyer before but Mike has set the bar HIGH. He was always available to communicate my concerns and explain each step of the way. I know no other lawyer would have been able to achieve the same results because he jumped on an opportunity that was a little out of the ordinary and it paid off. He really fought for my case and over delivered. I really hope I never have another accident but if I do I’m running to Mike for help."

- Sandy Carter

Once you have received medical attention, it is crucial to gather as much evidence as possible. This includes obtaining copies of your medical records, photographs of the accident scene, contact information for any witnesses, and any other relevant documentation. This evidence will be essential in proving the extent of your injuries and the impact they have had on your life.

Engaging with an attorney early in the process can be beneficial. An attorney can help you navigate the complex legal landscape, ensuring that all necessary paperwork is filed correctly and on time. They can also assist in negotiating with insurance companies, who often attempt to minimize payouts or deny claims altogether. Having legal representation can significantly increase your chances of obtaining fair compensation for your injuries.

Filing a whiplash claim in Florida typically begins with submitting a demand letter to the at-fault party’s insurance company. This letter outlines the details of the accident, the injuries sustained, and the compensation sought. The insurance company will then investigate the claim and either offer a settlement or deny the claim. If a settlement cannot be reached, the next step is to file a lawsuit. This involves drafting a complaint, which is a legal document that sets forth the facts of the case and the legal grounds for the claim. The complaint is then filed with the appropriate court, and the litigation process begins.

Throughout the litigation process, both parties will engage in discovery, where they exchange information and gather evidence to support their respective cases. This can include depositions, interrogatories, and requests for documents. Discovery is a crucial phase, as it allows each side to build a strong case and evaluate the strengths and weaknesses of the other party’s position.

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If the case does not settle during the discovery phase, it will proceed to trial. During the trial, both sides will present their evidence and arguments to a judge or jury, who will then decide the outcome of the case. The trial process can be lengthy and complex, but it provides an opportunity for both parties to have their day in court and seek a fair resolution.

Navigating the Statute of Limitations

Navigating the statute of limitations for whiplash claims in Florida requires a thorough understanding of the law and a proactive approach to managing your case. It is essential to act quickly, gather evidence, seek medical attention, and consult with legal professionals who can guide you through the process. By doing so, you can protect your rights and increase your chances of obtaining the compensation you deserve.

The importance of adhering to the statute of limitations cannot be overstated. Missing this critical deadline can result in the dismissal of your case, leaving you without any legal recourse for your injuries. Even if you believe that the deadline may have passed, it is still advisable to consult with an attorney. There may be exceptions or legal arguments that can be made to extend the filing period.

Case Results

Car Accident

This client was injured in an auto accident with a driver who improperly merged into her lane. Her vehicle was totaled. She sustained an aggravation of her pre-existing disc herniations in her neck and new disc herniations in her lower back. We obtained the full limits of both the at-fault driver’s bodily injury coverage and our client’s underinsured motorist coverage, which were significant. The settlement was achieved without a law suit and within four months after the client finished treating.

Rear End Collision

This particular client was injured in an accident in late 2015 when she was rear-ended. She sustained an aggravation of pre-existing disc herniations in her neck and a new disc herniation which ultimately required a surgical fusion. By the time of trial, her medical bills exceeded $180,000.00. The Defendants’ offer pre-suit was $20,000.00. We were able to obtain a jury verdict of $441,000.00, plus attorneys’ fees.

Car Accident

A client was injured in a rear-end collision where he sustained an aggravation of a pre-existing disc bulge that developed into a herniation in his lower back. We obtained a jury verdict which was over 6 times what had been offered prior to trial.

Car Accident

In this case, our client injured her shoulder after being struck by a vehicle while she was performing volunteer services. The driver was traveling at such a high rate of speed entering a parking lot that he clipped another vehicle, hit a parking barrier and was launched into a tree. After the client attempted to negotiate with the insurance company prior to hiring us, we were able to obtain an amount that was over double the prior offer.

Intentional Torts

Our client was injured from an assault by a patron of a party while working security. His shoulder required multiple surgeries. He hired our office to pursue a claim to recoup his medical bills, which exceeded $130,000.00. After his assailant offered him $10,000.00 to resolve his case, we took the case to a jury to decide. The jury awarded our client all of his medical bills and tripled his award for pain and suffering.

Car Accident

This client came to us about a car wreck that occurred in 2014 where she sustained injuries. She approached our firm just one week before the statute of limitations was set to expire after being turned away by several other law firms. We filed a lawsuit and were able to obtain the limits of the at-fault driver’s bodily injury coverage and an additional settlement from the client’s insurance carrier.

Truck Crash

This couple was injured in an automobile accident after they were rear-ended in a seven-car pileup caused by a semi-trailer. Of the 15 people who made claims on the same insurance policy, our clients each received the second and third highest offers, which covered all of their past and future medical bills and their attorney’s fees.

Truck Crash

In this case, our client was injured from a rear-end collision with an eighteen-wheeler. Her original lawyer procured a settlement offer of $7,000.00 to settle her case. Because the offer did not approach the amount of bills she incurred from accident related treatment, she came to our firm for a consultation. She decided to hire us. We promptly filed suit and obtained a settlement for her.

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In addition to the statute of limitations, there are other legal and practical considerations that can impact your whiplash claim. For instance, Florida follows a comparative negligence system, which means that if you are found to be partially at fault for the accident, your compensation may be reduced proportionately. Understanding how these factors interplay with the statute of limitations is crucial for effectively managing your claim.

The Role of Insurance Companies

Another key aspect to consider is the role of insurance companies in the claims process. Insurance companies often have teams of adjusters and attorneys whose primary goal is to minimize payouts. They may employ various tactics to delay or deny claims, making it essential to have legal representation that can advocate on your behalf. An attorney can help level the playing field, ensuring that your rights are protected and that you receive fair compensation for your injuries.

Long-term Implications of Whiplash Injuries

It is also important to be aware of the long-term implications of whiplash injuries. While some individuals may recover fully within a few weeks or months, others may experience chronic pain and other complications that can impact their quality of life. When pursuing a claim, it is important to consider not only the immediate medical expenses but also the potential for ongoing treatment and rehabilitation. A comprehensive approach to your claim can help ensure that you are adequately compensated for both current and future damages.

For those who have suffered whiplash injuries in Florida, time is of the essence. The statute of limitations imposes a strict deadline for filing a claim, and delaying action can jeopardize your ability to seek compensation. By understanding the legal requirements and taking prompt steps to protect your rights, you can navigate the complexities of the legal system and work towards a fair resolution.

Contact Us Today

At Serrano Law, we understand the challenges that come with whiplash injuries and the importance of timely action. Our team is dedicated to providing compassionate and effective legal representation for individuals who have been injured in accidents. If you or a loved one has suffered a whiplash injury, we are here to help. Contact us today to schedule a consultation and learn more about how we can assist you in pursuing your claim. With our experience and commitment to client advocacy, we will work tirelessly to ensure that your rights are protected and that you receive the compensation you deserve. 

Don’t wait — reach out to Serrano Law and take the first step towards justice and recovery.