The period of time you have after a car accident to make a claim is called the statute of limitations. And what this actually states is that if you don't bring your claim within the period provided by the statute of limitations, your claim is forever barred. So you could have a great claim but if you don't bring it in time, you will never get paid.
When you have a car accident in Florida, you have four years to bring a claim. If you have a claim against a municipal entity like the state, the city or the county, you have a three year notice requirement. This means that you have to put them on notice of the claim within three years, even though you have four years to bring the claim. The bottom line is don't let your period of limitations run out by waiting too long to bring your claim.