Florida is a no-fault state, which means your own PIP coverage pays first after a crash, regardless of who caused it. PIP typically covers 80% of medical bills and 60% of lost wages up to $10,000, but it does not pay for pain and suffering.
The catch? You generally have to see a doctor within 14 days of the crash to use PIP at all. Miss that window and the benefits can disappear.
When injuries are serious, Florida law allows injured victims to pursue a claim against the at-fault driver for damages beyond PIP. That may include pain and suffering, future medical costs, and additional lost income. Under Florida’s modified comparative negligence rule, if a jury values your claim at $100,000 but finds you 20% responsible, you recover $80,000. Cross 50%, and you recover nothing.
One deadline sits beneath it all. Since a 2023 change to Florida law, you have two years from the date of the crash to file an injury lawsuit, down from four. Waiting too long can permanently bar your right to recover compensation.
