Florida Car Accident Settlement Calculator

Florida's Fault System

Florida follows a no-fault insurance system. Following 2023 tort reform, Florida shifted from pure comparative negligence to modified comparative negligence with a 51% bar for accidents occurring after the reform date.

Filing Deadline

Florida shortened its personal injury statute of limitations from 4 years to 2 years for causes of action accruing after March 24, 2023 — most current claims fall under the 2-year window.

Statutes of limitations change and can have exceptions (claims against government entities, minors, and the discovery rule can all affect your deadline). Verify your exact deadline with a licensed Florida attorney — see our statute of limitations guide for more context.

Minimum Insurance Requirements

Florida requires Personal Injury Protection (PIP) coverage of at least $10,000, which pays your own medical bills regardless of fault, before you can pursue a claim against the at-fault driver for injuries meeting the state’s serious-injury threshold.

What Makes Florida Different

Florida’s PIP requirement means your own insurer typically pays initial medical bills first, and a separate threshold applies before you can seek pain-and-suffering damages from the at-fault driver.