FL · State Playbook
What the law in Florida says about your case — deadlines, fault rules, and what you can actually recover. Built from primary statutes and AskMatlock research.
Statute of limitations
2 years
Two years for negligence claims under Fla. Stat. § 95.11 (reduced from 4 by HB 837 in March 2023).
Fault rule
Modified comparative negligence — 50% bar rule (HB 837, 2023)
Modified comparative negligence — 50% bar rule (HB 837, 2023). No-fault state for personal injury protection threshold.
Diminished value posture
Third-party diminished value allowedDiminished value claims recognized against the at-fault insurer; first-party diminished value restricted by typical policy language.
No-fault state — personal injury protection (your own insurance company's medical coverage) covers up to $10K of initial medical regardless of fault. Bodily injury claims require crossing the "permanent injury" threshold (Fla. Stat. § 627.737).
Open Property Damage Toolkit →No-fault state with verbal injury threshold.
Two-year filing deadline (post-HB 837, 2023). If your accident was before March 24, 2023, the old four-year rule may still apply — check.
Fla. Stat. § 624.155 — Civil Remedy Notice / statutory bad-faith.
Florida Bar Rule 4-7.22 governs lawyer referral services. AskMatlock's Bodily Injury Claim tool operates as a "qualifying provider".
Per the AskMatlock $15B research, Florida accounts for ~$2.4B of the 5-year unrepresented serious-injury gap.
Every fact in this playbook is sourced from primary statutes, bar opinions, or peer-reviewed research. We do not invent numbers. This is not legal advice; state law changes frequently and case-specific facts matter — when your case warrants it, the Bodily Injury Claim tool lets you browse verified attorneys in Florida and pick.
