Does Florida still have no-fault insurance?

Yes. A Florida policy must provide personal injury protection of $10,000 in medical and disability benefits plus $5,000 in death benefits, and drivers with the required security are exempt from tort liability to the extent PIP benefits are payable (Fla. Stat. 627.736 and 627.737).

When can I sue for pain and suffering after a Florida car accident?

Only if the injury consists in whole or in part of a significant and permanent loss of an important bodily function, a permanent injury within a reasonable degree of medical probability other than scarring or disfigurement, significant and permanent scarring or disfigurement, or death (Fla. Stat. 627.737(2)).

What is the 14-day rule?

PIP medical benefits are payable only if you receive initial services and care from a listed provider within 14 days after the accident (Fla. Stat. 627.736(1)(a)).

How much does PIP pay if I have no emergency medical condition?

Medical reimbursement is limited to $2,500 if a provider determines you did not have an emergency medical condition, and up to $10,000 if a listed professional determines you did (Fla. Stat. 627.736(1)(a)).

Can my PIP insurer take part of my injury settlement?

No. A PIP insurer has no lien on a recovery in tort for PIP benefits, and you cannot recover damages that PIP paid or would pay (Fla. Stat. 627.736(3)).

Florida No-Fault / PIP Threshold Calculator

Florida pays up to $10,000 of your medical and lost-income losses through your own PIP coverage, and lets you sue the at-fault driver for pain and suffering only if your injury meets one of four statutory tests. Enter your losses, your treatment timing and your injury to see what PIP pays and whether the threshold is met.

Cited to Fla. Stat. 627.736, 627.737 and 627.739 FigureMyTax Editorial Team Free · no sign-up

By the FigureMyTax Editorial Team · How we calculate

Estimate your PIP benefits and threshold

Enter your losses, treatment timing, policy options and injury.

Medical expenses from the accident (reasonable and medically necessary)

Lost gross income from being unable to work

Cost of paying others for household services you could not do yourself

Did you receive initial services and care from a covered provider within 14 days of the accident?

Did a physician, dentist, physician assistant or advanced practice nurse determine you had an emergency medical condition?

PIP deductible on the policy

Did the named insured elect to exclude lost-income coverage?

Does your injury meet the tort threshold?

Pain and suffering you would claim if you meet the threshold (your own figure)

Your own percentage of fault for the accident, if any (0 if none; more than 50 bars your claim against the at-fault driver)

Estimated result

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Estimate pain and suffering →

Florida pays your first $10,000 through your own PIP coverage and lets you sue for pain and suffering only past a statutory threshold

Florida's no-fault rules are in Fla. Stat. 627.736 (PIP benefits), 627.737 (the tort threshold) and 627.739 (deductibles). Fault is in 768.81 and the deadline in 95.11.

Read what Florida PIP covers and leaves out, which injuries clear the tort threshold, and how the 14-day rule and emergency medical condition work. If you are weighing coverage after a crash, see Florida UM/UIM stacking and Florida medical liens.

Injured in Florida?

A local personal injury attorney can review your claim — many offer a free consultation.

Talk to a Florida attorney

This is an estimate for general guidance only and is not legal advice. Figures are based on the cited Florida statutes. Confirm how these rules apply to your specific case with a licensed Florida attorney.

Florida No-Fault / PIP Threshold Calculator

Estimate your PIP benefits and threshold

Florida pays your first $10,000 through your own PIP coverage and lets you sue for pain and suffering only past a statutory threshold

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