Miss a doctor within 14 days and your own PIP coverage can vanish. Wait past two years and the case is gone. Sign the other insurer's release and it's over. Describe the crash. You get every date computed from the day it happened, what your own policy must pay, what to say and not say, and the claim letter — free, in English or Spanish.
Free clock
The date, who hit whom, injuries (even 'just sore'), whether police came, whether you've seen a doctor, and whether any insurer has called.
Why this exists
PIP pays your first medical bills — but only if you see a doctor within 14 days. The quick $800 release ends everything. The 2-year limit is new and shorter than it used to be. Knowing the clocks is the whole game.
How it works
Date, what happened, injuries, police, doctor, insurers who've called.
14-day PIP date and 2-year limit computed, what PIP pays (80% medical / 60% wages up to $10,000), the deductible, collision vs. the other driver's property damage, comparative fault.
What not to sign or say, how to notify your own insurer, the police-report request, the records to keep — and a letter to your carrier opening the PIP and collision claims.
Plans
For one driver. Chiropractors, body shops and credit unions license it for their customers.
Your notice-of-claim letter to your own insurer (PIP + collision), a 'do not contact me — written only' letter to the other insurer, a symptom and expense log, a records checklist (police report, photos, witnesses), and a deadline calendar.
Branded clock for your patients or customers; your intake as the 'next step'.
All prices in USD, handled by Stripe. The free clock never goes behind a paywall.
Common questions
Yes, the material describes Car Accident Clock FL as free and available in English and Spanish. It doesn't say anything about storing or retaining what you type, so if that's a concern, avoid including more personal detail than you need to when you describe your crash.
Under Florida's PIP rule (§627.736), the tool explains that you generally need to get medical care within 14 days of the crash or risk losing PIP benefits. This is general information, not legal advice, so confirm your specific situation with a professional or your insurer.
The tool applies Florida's statute of limitations, currently 2 years under HB 837, counted from your crash date. It also notes that deadlines can have exceptions and depend on facts the tool cannot verify, so this is not a substitute for legal advice.
The material is direct on this: do not sign a release or give a recorded statement to the other driver's insurer before getting advice. It also notes that personal-injury consultations in Florida are typically free and contingency-based, so there's usually no cost to check first if you have injuries beyond soreness.
It computes your Florida deadlines from your crash date, explains what PIP does and doesn't cover, the comparative-fault rule, what not to say or sign, and it can draft a claim letter to your own carrier. It is not legal advice, cannot file claims or lawsuits, and cannot assess fault or value your case — and it isn't affiliated with any insurer, clinic, law firm, or agency.
Sí, el material describe Car Accident Clock FL como una herramienta gratuita, disponible en inglés y en español. No se indica si lo que usted escribe se guarda o se conserva, así que, si eso le preocupa, evite incluir más datos personales de los necesarios al describir el accidente.
Según la regla de PIP de la Florida (§627.736), la herramienta explica que, en general, usted debe recibir atención médica dentro de los 14 días posteriores al accidente o podría perder los beneficios de PIP. Esto es información general, no es asesoría legal, así que confirme su situación específica con un profesional o con su aseguradora.
La herramienta aplica el plazo de prescripción de la Florida, actualmente de 2 años según la ley HB 837, contado desde la fecha del accidente. También aclara que los plazos pueden tener excepciones y dependen de hechos que la herramienta no puede verificar, por lo que esto no sustituye la asesoría legal.
El material es claro en esto: no firme ninguna liberación (release) ni dé una declaración grabada a la aseguradora del otro conductor antes de recibir asesoría. También señala que las consultas de lesiones personales en la Florida suelen ser gratuitas y a base de contingencia, así que normalmente no hay costo por consultar primero si tiene lesiones más allá de un simple dolor muscular.
Calcula los plazos de la Florida a partir de la fecha del accidente, explica qué cubre y qué no cubre el PIP, la regla de culpa comparativa modificada, qué no decir ni firmar, y puede redactar una carta de reclamo para su propia aseguradora. No es asesoría legal, no presenta reclamos ni demandas, y no puede evaluar la culpa ni el valor de su caso — además, no está afiliada a ninguna aseguradora, clínica, bufete de abogados ni agencia gubernamental.
Built by the same team, free to try.