Florida Car Accident Settlement Calculator
Estimate what a car accident or personal injury claim might be worth in Florida — instantly, with no email or phone number required. This tool applies Florida's modified comparative negligence (51% bar) rule, the factor that most "calculators" leave out, and shows you exactly how it reaches the number.
Florida claims at a glance
| Negligence rule | Modified comparative negligence (51% bar) |
|---|---|
| If you share fault | Barred above 50% fault (you can still recover at exactly 50%) |
| No-fault insurance state? | Yes |
| Statute of limitations (approx.) | ~2 years |
| Legal data last reviewed | 2026-06 |
📌 Switched from pure to modified (51% bar) comparative negligence in March 2023; PI limit shortened from 4 to 2 years.
Estimate your Florida settlement
A few quick questions, in the order things actually happen. Everything stays in your browser, and you’ll get your estimate the moment you hit the button — no email, no waiting.
How fault affects your settlement in Florida
This state uses modified comparative negligence with a 51% bar. Your recovery is reduced by your fault percentage, but if you are more than 50% at fault you recover nothing.
Say your total damages come to $84,000 and you were 30% at fault. Under Florida's modified comparative negligence (51% bar), your award is reduced to about $58,800. You can still recover at exactly 50% fault, but once your fault is more than 50%, Florida bars recovery entirely.
Florida settlement FAQ
What negligence rule does Florida use for car accident claims?
Florida follows modified comparative negligence (51% bar). This state uses modified comparative negligence with a 51% bar. Your recovery is reduced by your fault percentage, but if you are more than 50% at fault you recover nothing.
How long do I have to file a personal injury claim in Florida?
Florida's statute of limitations for personal injury is generally about 2 years from the date of the accident. Deadlines vary by claim type and have exceptions, and missing one can permanently bar your claim — confirm the exact deadline with a Florida attorney.
Is Florida a no-fault insurance state?
Yes. Florida has a no-fault (PIP) system, meaning your own insurance typically pays certain medical costs and lost wages first, regardless of who caused the crash. Stepping outside the no-fault system to pursue the at-fault driver often requires meeting a specific injury threshold.
Is there anything unusual about Florida's rules?
Switched from pure to modified (51% bar) comparative negligence in March 2023; PI limit shortened from 4 to 2 years.
Sources
Last reviewed 2026-06. We cite our sources so you can verify — laws change, and corrections are welcome via Contact.
- Fla. Stat. § 95.11 — 2-year limitation for negligence/personal injury actions (subsection (5)(a)) (Florida Legislature / The Florida Senate)
- Fla. Stat. § 768.81 — Comparative fault; modified comparative negligence 51% bar ("any party found to be greater than 50 percent at fault for his or her own harm may not recover any damages") (Florida Legislature / The Florida Senate)
Important disclaimer
This Florida estimate is for general information only and is not legal advice. Real settlements depend on disputed liability, insurance policy limits, evidence, damage caps, and negotiation. Statute-of-limitations figures are approximate — verify locally. Consult a licensed Florida attorney about your specific claim. See our full Disclaimer.