What makes Florida different
Florida cut its personal injury filing deadline in half in March 2023. Anyone relying on a four-year number they read online before then is working from a figure that no longer applies to a new crash.
This is the single most common source of wrong deadline information in the country right now. Older articles, older advice and older memory all say four years. For a crash today the answer is generally two.
Where truck crashes happen in Florida
I-4 between Tampa and Daytona, I-95 along the east coast, I-75 through Alligator Alley, and the heavy port drayage around Jacksonville, Miami and Port Everglades.
Watch out for this one: The 180-day government waiting period. The notice window is generous but you have to leave room for the agency's investigation period before the limitation period runs out.
The Florida rules, with citations
Personal injury — 2 years
Runs from the date of the crash. Cited: Fla. Stat. § 95.11(4)(a) (Florida Statutes).
IMPORTANT: Florida shortened this from four years to two for causes of action accruing on or after 24 March 2023 (HB 837). A crash before that date may still be on the old four-year period. The date of the crash decides which rule applies, and this is one of the most consequential unverified values in this file.
Wrongful death — 2 years
Runs from the date of death. Cited: Fla. Stat. § 95.11(5)(e).
Government vehicles — notice within 3 years
Written notice generally to the agency and to the Department of Financial Services within three years, followed by a 180-day agency investigation period before suit. Cited: Fla. Stat. § 768.28(6).
Florida's notice period is long, but the mandatory waiting period afterwards is the practical trap — you generally cannot file until the agency has had its 180 days, and that time has to fit inside the limitation period.
A federal vehicle is not on this clock at all. A USPS truck, a VA vehicle or another federal agency vehicle runs under the Federal Tort Claims Act — an administrative claim on Standard Form 95 within two years of the crash, then six months to sue after it is denied (28 U.S.C. § 2401(b); 28 C.F.R. § 14.2).
If the injured person was under 18
The limitation period is generally tolled during minority, but a separate outside cap limits how long the tolling can extend the deadline. Cited: Fla. Stat. § 95.051.
Tolling for minority exists but Florida caps how far it can extend the deadline. Do not assume a full period from the 18th birthday.
Discovery rule
Applied in limited categories; an ordinary crash claim generally accrues on the date of the collision.