What is a car accident claim worth in Florida?
Every rule below is quoted from Florida law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in Florida, and the Florida rules that raise or lower what you collect. $28,242 was the average injury claim paid in Florida in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from Florida law on this site, each with a link.
What claims paid in Florida
Injury claims in Florida averaged $28,242 each in 2022.
Car and property damage claims averaged $5,602.
| Injury claim paid by the at fault driver's insurance | $28,242 |
|---|---|
| Car and property damage | $5,602 |
| Personal injury protection, paid by your own policy | $10,182 |
| Medical payments coverage, paid by your own policy | $3,095 |
| Collision coverage, paid by your own policy | $7,084 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in Florida
If you were partly at fault
If you are more than half at fault for your own injuries, you cannot recover any damages from the other driver. If you are fifty percent or less at fault, your damages are reduced by your share of the fault.
“any party found to be greater than 50 percent at fault for his or her own harm may not recover any damages”
The other driver's policy limit is the ceiling
Florida requires drivers to carry at least $10,000 in personal injury protection and $10,000 in property damage liability coverage. Bodily injury liability coverage is not required for most drivers, though it is required for taxis and some other drivers.
“a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL”
If the other driver has no insurance
Insurance companies selling bodily injury liability policies in Florida must include uninsured motorist coverage, unless the policyholder rejects it in writing.
“No motor vehicle liability insurance policy which provides bodily injury liability coverage shall be delivered or issued for delivery in this state...unless uninsured motor vehicle coverage is provided therein”
The deadline that ends the claim
You have 2 years to sue over injuries from a car crash.
“(5) WITHIN TWO YEARS., (a) An action founded on negligence.”
What a lawyer takes if you hire one
Florida sets a sliding scale of presumed reasonable contingency fees for injury cases. Before the defendant files an answer, the presumed limit is a third of the first $1 million recovered, 30 percent of the next million, and 20 percent above that. The limit rises to 40 percent of the first $1 million if the case settles after an answer is filed.
“33 1/3% of any recovery up to $1 million”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.