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, so (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. 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.