Florida Car Accident Settlements
Average Car Accident Settlement in Florida (2026 Data)
Research how Florida car accident cases have settled based on injury type, liability, and insurance coverage. These ranges are based on publicly available court data and should not be used as a prediction for your specific case.
⚠️ Important: Averages are misleading. Every case is unique. Get a personalizedLexstimate report for your specific situation.
Florida Car Accident Settlement Ranges by Injury
| Injury Type | Typical Range | Severity |
|---|---|---|
| Whiplash / Soft Tissue | $10,000 - $25,000 | Minor |
| Broken Bones (Arm, Leg) | $25,000 - $75,000 | Moderate |
| Herniated Disc | $50,000 - $150,000 | Moderate-Serious |
| Concussion / Mild TBI | $50,000 - $100,000 | Moderate |
| Spinal Cord Injury | $150,000 - $500,000+ | Serious |
| Traumatic Brain Injury | $200,000 - $1,000,000+ | Catastrophic |
| Wrongful Death | $500,000 - $2,000,000+ | Fatal |
*Ranges based on publicly available Florida court records. Individual results vary significantly.
Florida Car Accident Laws That Affect Your Settlement
No-Fault / PIP Insurance
Florida requires Personal Injury Protection (PIP) coverage. PIP pays 80% of your medical bills up to $10,000, regardless of who caused the accident. To sue for additional damages, you must have a "serious injury" (permanent injury, significant scarring, or death).
Modified Comparative Negligence (51% Bar)
As of March 2023, Florida follows a 51% bar rule. If you are found more than 50% at fault for the accident, you cannot recover any damages. If you are 50% or less at fault, your recovery is reduced by your percentage of fault.
2-Year Statute of Limitations
You have 2 years from the date of the accident to file a personal injury lawsuit in Florida. This deadline was reduced from 4 years in March 2023. Missing this deadline typically bars your claim.
Factors That Affect Florida Car Accident Settlements
- Injury Severity: More serious injuries with longer recovery times typically result in higher settlements.
- Medical Bills: Total medical expenses are a key factor in calculating damages.
- Lost Wages: Time missed from work and reduced earning capacity increase settlement value.
- Liability Clarity: Clear fault (like rear-end collisions) often leads to faster, higher settlements.
- Insurance Coverage: The at-fault driver's policy limits cap what you can recover from their insurance.
- Evidence Quality: Police reports, photos, witness statements, and medical records strengthen your case.
Frequently Asked Questions
What is the average car accident settlement in Florida?
Florida car accident settlements vary widely: Minor injuries typically settle for $10,000-$25,000. Moderate injuries range from $25,000-$100,000. Serious injuries can exceed $100,000-$500,000+.
How does Florida PIP insurance affect my settlement?
PIP covers 80% of medical bills up to $10,000 regardless of fault. To sue for additional damages, you must have a "serious injury" under Florida law.
What is the average rear-end accident settlement in Florida?
Rear-end settlements range from $10,000 to $250,000+ depending on injury severity. Liability is usually clear, which can lead to faster settlements.
Car Accident Settlements by Florida City
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