VictimsGuide

A Citizen’s Guide to Auto Insurance and Crash Law

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FLORIDA AUTO INSURANCE GUIDE

Florida Crash Damages, PIP Thresholds, Medical Expenses & Collateral Sources

Florida’s no-fault system limits recovery of noneconomic damages arising from motor-vehicle ownership, maintenance or use unless the claimant satisfies the statutory injury threshold. The threshold includes significant and permanent loss of an important bodily function, permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death.

  • Separate PIP-paid economic losses from damages sought against the at-fault party.
  • Document the statutory permanency threshold with appropriate medical evidence before valuing noneconomic damages.
  • Apply Florida collateral-source and medical-expense proof rules to determine recoverable economic damages.
  • Analyze property damage, loss of use and diminished-value issues separately from bodily injury.

Primary Florida Source

Fla. Stat. § 627.737 — Tort Exemption and Injury Threshold

Current-law review: September 16, 2026. Noneconomic-damage recovery in Florida auto cases requires threshold analysis independent of comparative fault.