SoloSuit

Hello, I was involved in a accident where I was underinsured and the other persons uninsured motorist insurance paid out on the accident and now a third party debt collector is contacting me to try to collect on what their insurance paid out despite I had no say in it. What is the statue of limitations in FL regarding this tort debt? I have spoken to several attorneys but each person has told me a different SOL. Many have said 5 years from date of accident, some have said 1 year from date of uninsured motorist check cashed and I was told 4 years from the date of the accident. Most have said 5 years from date of accident. Does solo suit know the correct answer on this?