No-fault insurance (PIP). Every Florida driver must carry $10,000 in personal injury protection. It pays first, regardless of fault. To unlock the full $10,000, a doctor must find that you had an emergency medical condition; otherwise benefits can be capped at $2,500.
Stepping outside no-fault. To claim pain and suffering from the at-fault driver, Florida requires a serious injury: a permanent injury, significant and permanent scarring or disfigurement, a significant and permanent loss of an important bodily function, or death. That's why thorough medical documentation matters so much.
Modified comparative fault. Since 2023, your recovery is reduced by your share of the blame, and if you're found more than 50% at fault you recover nothing from the other driver. Insurers know this, so they work hard to shift blame onto you. Evidence is how we push back.
Uninsured drivers. Florida doesn't require drivers to carry bodily injury liability coverage, and many don't. Your own uninsured motorist coverage may be the policy that pays.