The multiplier method with Florida's actual rules applied — modified comparative — 51% bar (since march 2023), a 2-year filing window — every statute cited and linked, every line of arithmetic shown.
Based on the multiplier method used by insurers and attorneys. This is an educational estimate, not legal advice — every claim is different.
HB 837 ended Florida's pure comparative rule: if you're found more than 50% at fault, you recover nothing. At 50% or less, your award is reduced by your percentage. Medical-negligence claims are exempt from the bar. — Fla. Stat. §768.81(6)
2 years (for injuries occurring on or after March 24, 2023; older claims had 4 years) — Fla. Stat. §95.11(5)(a). The clock is jurisdictional — one day late and no court will hear the case.
No-fault (PIP) state: your own $10,000 PIP pays first (80% of medical, 60% of wages), you must get initial care within 14 days, and only $2,500 applies without an emergency medical condition. Pain-and-suffering suits require crossing the serious-injury threshold. — Fla. Stat. §627.736; §627.737
Minimum liability coverage: $10,000 property damage + $10,000 PIP. Bodily-injury liability is not required for most drivers — which is why uninsured-motorist coverage matters more in Florida than almost anywhere. — Fla. Stat. §324.022; §627.733 — policy limits are the practical ceiling on most settlements, which is why identifying every available policy (including your own underinsured-motorist coverage) matters.
One law changed the fault bar, halved the filing window, restricted medical-damages evidence to amounts actually paid, and gave insurers a bad-faith safe harbor. Whether your crash happened before or after March 24, 2023 can be outcome-determinative — date it precisely.
The same multiplier method used everywhere — (medical bills + lost wages) × a 1.5–5× severity multiplier + property damage — then Florida's fault rule is applied: HB 837 ended Florida's pure comparative rule: if you're found more than 50% at fault, you recover nothing. At 50% or less, your award is reduced by your percentage. Medical-negligence claims are exempt from the bar. The calculator on this page runs exactly that math and prints every line.
2 years (for injuries occurring on or after March 24, 2023; older claims had 4 years) (Fla. Stat. §95.11(5)(a)). Miss the deadline and the claim is barred permanently, no matter how strong it is — and claims against government entities often have much shorter notice requirements.
No-fault (PIP) state: your own $10,000 PIP pays first (80% of medical, 60% of wages), you must get initial care within 14 days, and only $2,500 applies without an emergency medical condition. Pain-and-suffering suits require crossing the serious-injury threshold.
Compensatory damages: No cap in ordinary injury cases. Punitive damages: Greater of 3× compensatory or $500,000 (higher for financially-motivated misconduct; none for specific intent). Medical malpractice: The statutory non-economic caps were held unconstitutional for personal injury (N. Broward Hosp. Dist. v. Kalitan, 2017) — effectively no enforceable med-mal non-economic cap.