Florida Car Accident Settlement Calculator
Estimate a car accident settlement under Florida law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What Florida law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
Florida changed from pure to modified comparative fault in 2023. Recovery barred at 51% or more plaintiff fault.
Fla. Stat. § 768.81(6); HB 837, ch. 2023-15, Laws of Florida·Source retrieved 2026-07-27
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
Florida car insurance law: minimums, PIP and uninsured motorist coverage
What Florida's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
Florida: Minimum liability coverage
“Every owner or operator of a motor vehicle required to be registered in this state shall establish and maintain the ability to respond in damages for liability on account of accidents arising out of the use of the motor vehicle in the amount of $10,000 because of damage to, or destruction of, property of others in any one crash.”
The amounts chapter 324 calls proof of financial responsibility:
“PROOF OF FINANCIAL RESPONSIBILITY.—That proof of ability to respond in damages for liability on account of crashes arising out of the use of a motor vehicle: (a) In the amount of $10,000 because of bodily injury to, or death of, one person in any one crash; (b) Subject to such limits for one person, in the amount of $20,000 because of bodily injury to, or death of, two or more persons in any one crash; (c) In the amount of $10,000 because of injury to, or destruction of, property of others in any one crash; […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Chapter 324 calls these amounts proof of financial responsibility. When that proof is required of a driver is set in parts of chapter 324 not read for this page, so they are not stated here as bodily-injury coverage every Florida driver carries.
Florida: No-fault, personal injury protection and the right to sue
“Every owner or registrant of a motor vehicle, other than a motor vehicle used as a school bus as defined in s. 1006.25 or limousine, required to be registered and licensed in this state shall maintain security as required by subsection (3) in effect continuously throughout the registration or licensing period.”
“An insurance policy complying with the security requirements of s. 627.733 must provide personal injury protection to the named insured, relatives residing in the same household unless excluded under s. 627.747, persons operating the insured motor vehicle, passengers in the motor vehicle, and other persons struck by the motor vehicle and suffering bodily injury while not an occupant of a self-propelled vehicle, subject to subsection (2) and paragraph (4)(e), to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury, sickness, disease, or death arising out of the ownership, maintenance, or use of a motor vehicle as follows: […]”
The provision continues past the end of this quote, and the rest is not quoted here.
“(a) Medical benefits.—Eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services if the individual receives initial services and care pursuant to subparagraph 1. within 14 days after the motor vehicle accident.”
“3. Reimbursement for services and care provided in subparagraph 1. or subparagraph 2. up to $10,000 if a physician licensed under chapter 458 or chapter 459, a dentist licensed under chapter 466, a physician assistant licensed under chapter 458 or chapter 459, or an advanced practice registered nurse licensed under chapter 464 has determined that the injured person had an emergency medical condition. 4. Reimbursement for services and care provided in subparagraph 1. or subparagraph 2. is limited to $2,500 if a provider listed in subparagraph 1. or subparagraph 2. determines that the injured person did not have an emergency medical condition.”
The limit on a suit for pain and suffering:
“[…] a plaintiff may recover damages in tort for pain, suffering, mental anguish, and inconvenience because of bodily injury, sickness, or disease arising out of the ownership, maintenance, operation, or use of such motor vehicle only in the event that the injury or disease consists in whole or in part of: (a) Significant and permanent loss of an important bodily function. (b) Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement. (c) Significant and permanent scarring or disfigurement. (d) Death.”
The provision begins before this quote, and the part before it is not quoted here.
The same section:
“[…] from tort liability for damages because of bodily injury, sickness, or disease arising out of the ownership, operation, maintenance, or use of such motor vehicle in this state to the extent that the benefits described in s. 627.736(1) are payable for such injury […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
Florida: Uninsured and underinsured motorist coverage
“No motor vehicle liability insurance policy which provides bodily injury liability coverage shall be delivered or issued for delivery in this state with respect to any specifically insured or identified motor vehicle registered or principally garaged in this state unless uninsured motor vehicle coverage is provided therein or supplemental thereto for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness, or disease, including death, resulting therefrom. However, the coverage required under this section is not applicable when, or to the extent that, an insured named in the policy makes a written rejection of the coverage on behalf of all insureds under the policy.”
“The rejection or selection of lower limits shall be made on a form approved by the office. The form shall fully advise the applicant of the nature of the coverage and shall state that the coverage is equal to bodily injury liability limits unless lower limits are requested or the coverage is rejected.”
Florida: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (Fla. Stat. §§ 627.727, 627.733, 627.736 and 627.737).
The personal injury protection benefits quoted above include medical expenses.
What partial fault costs you in Florida
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under Florida law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every Florida deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the Florida periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
Fla. Stat. § 95.11(5)(a)·Source retrieved 2026-07-27
Open the personal injury calculatorFla. Stat. § 95.11(5)(c)·Source retrieved 2026-07-27
Open the medical malpractice calculatorFla. Stat. § 95.11(5)(e)·Source retrieved 2026-07-27
Open the wrongful death calculatorFla. Stat. § 440.19·Source retrieved 2026-07-27
Open the workers compensation calculatorFla. Stat. § 95.11(5)(a)·Source retrieved 2026-07-27
Open the slip and fall calculatorFlorida runs a 2-year period for negligence claims and a 4-year period for claims founded on statutory liability, and Fla. Stat. 767.04 creates statutory dog-bite liability. Which period governs was not resolved from a primary source, so no figure is published here. Ask a Florida attorney about your filing deadline before you rely on any number.
Open the dog bite calculatorFlorida against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and Florida is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and Florida is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology