Car Accidents

Car Accidents in Florida

Car accidents in Florida come with a rule most drivers don't expect: no-fault. Whether or not another driver caused the crash, your own Personal Injury Protection (PIP) coverage is usually the first place your medical bills get paid.

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Your deadline

2 years

Reduced from 4 to 2 years by HB 837 (2023). Wrongful death 2 years. Medical 2 years.

How fault works

Modified comparative negligence, 50% bar (post-HB837, 2023)

Florida requires every driver to carry $10,000 in Personal Injury Protection (PIP), so after a crash your own policy typically covers initial medical costs regardless of who was at fault. To step outside that no-fault system and pursue the other driver, your injuries generally need to be serious, and any recovery can be reduced by your share of the blame under Florida's modified comparative negligence rule with a 50% bar, meaning if you're found more than 50% at fault you recover nothing. You also have a limited window: HB 837 (2023) shortened the deadline to file an injury lawsuit to 2 years from the date of the crash. Because the mix of PIP, fault percentages, and the shorter deadline can be confusing, it helps to talk it through with someone who knows the state's rules. FaultFreeClaims can connect you with an independent, licensed Florida attorney who will review your situation, at no obligation.

What a connected attorney can do

Investigate what happened and identify who is responsible
Deal with the insurance companies so you don't have to
Track the 2 years filing deadline so you never miss it
Pursue the compensation you're actually owed

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Frequently asked questions

Does Florida's no-fault system mean I can't sue the other driver?

Not necessarily. PIP covers your initial medical bills regardless of fault, but if your injuries are serious you may be able to step outside the no-fault system and pursue the at-fault driver. An independent Florida attorney can tell you whether your case qualifies.

How long do I have to file a car accident lawsuit in Florida?

Since HB 837 passed in 2023, the deadline is generally 2 years from the date of the crash. Waiting too long can bar your claim entirely, so it's wise to get connected with an attorney early.

Does it cost anything to get connected?

No. Getting connected with an attorney through FaultFreeClaims is free and comes with no obligation. We are not a law firm — we connect you with independent, licensed attorneys.

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