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Statute of Limitations
Florida has a 4-year statute of limitations for personal injury claims from car accidents (Fla. Stat. § 95.11). The clock starts on the date of the accident. Florida requires minimum liability insurance of 10/20/10 ($10K per person, $20K per accident bodily injury, $10K property damage) plus $10K in PIP coverage. The verbal threshold requires significant/permanent injury to sue.
4 years from date of accident
Where to File in Florida
Florida is a no-fault state requiring all drivers to carry $10,000 in Personal Injury Protection (PIP). After a 2023 reform, Florida moved from pure no-fault to a modified system: a claimant must establish a "serious injury" threshold — permanent injury, significant scarring or disfigurement, or death — before bringing a tort claim against the at-fault driver for pain and suffering.
The statute of limitations for MVA personal injury actions in Florida is two years from the date of the accident (Fla. Stat. § 95.11(3)(a), amended effective 2023; pre-2023 accidents retain the four-year period). Wrongful death claims carry a two-year limitation. PIP first-party claims must be filed within five years.
Venue for MVA claims lies in the county where the accident occurred or where the defendant resides (Fla. Stat. § 47.011). Miami-Dade, Broward, Palm Beach, Hillsborough, and Orange County courts manage the bulk of Florida MVA litigation. Florida adopted modified comparative negligence in 2023 — plaintiffs more than 50% at fault are barred from recovery.
Florida minimum liability is 10/20/10. UM/UIM coverage must be offered at bodily-injury limits; written rejection required to decline. Florida consistently ranks among the states with the highest uninsured driver rates (approximately 20%), making UM/UIM claims strategically critical in most MVA cases.
Exposure in Florida
Source: Florida DHSMV 2024
Source: Insurance industry data
Source: NHTSA FARS 2024