Florida Car Accident Settlement Calculator
Estimate your potential settlement based on Florida guidelines.
Estimated Settlement Range
Economic Damages: $0
Non-Economic Damages: $0
Total Property Damage: $0
Est. Total (Before Fault): $0
Fault Reduction (0%): $0
Est. Final Payout: $0
Disclaimer: This is a simplified estimate for educational purposes only. It is not legal advice. Florida is a “No-Fault” state; use your $10k PIP first. You can only recover non-economic damages (pain & suffering) from the at-fault party if your injury meets the “serious injury threshold”. Your recovery is reduced by your percentage of fault (“Pure Comparative Negligence”) and capped by the at-fault driver’s insurance limits.
What Is the Florida Car Accident Settlement Calculator?
The Florida Car Accident Settlement Calculator is a tool designed to estimate your potential payout from a car crash claim under Florida’s unique insurance laws. It considers:
- Your medical bills
- Lost wages
- Vehicle damage
- Severity of your injuries
- Whether the serious injury threshold is met
- Your percentage of fault
- The insurance limits of the at-fault driver
It’s not a lawyer, but it’s a smart way to get a ballpark figure before you talk to one.
How Florida Law Affects Car Accident Settlements
Florida is a no-fault state, which means your own insurance pays for the first $10,000 in medical bills and lost wages — through Personal Injury Protection (PIP). But if your injuries are serious enough, you can step outside the no-fault system and sue the other driver.
Here’s what that means:
- PIP covers: 80% of medical costs, 60% of lost wages, up to $10,000
- To sue for pain & suffering, your injury must meet the “serious injury threshold” (permanent injury, significant scarring, loss of function)
If you qualify, the calculator can estimate general damages (like pain and suffering) on top of economic losses.
How the Calculator Works: The Logic Behind the Numbers
The calculator doesn’t just spit out random numbers. It follows a clear formula based on personal injury settlement norms and Florida law. Here’s how it breaks things down:
1. Economic Damages
These include:
- Medical bills (current + future)
- Lost wages
- Property damage (cost to repair or replace your car)
2. General Damages (Pain & Suffering)
Multiplied by a severity score:
- Minor injuries: 1.5×
- Moderate injuries: 2.5×
- Serious injuries: 3.5×
- Severe injuries: 5.0×
Add-ons may boost your multiplier:
- DUI by the other driver? +1.0
- You hired a lawyer? +0.5
- Long recovery time? +0.3 to +0.5
- Police report? +0.2
Negative impact (like pre-existing conditions) can reduce the multiplier.
Note: If you don’t meet Florida’s injury threshold, your general damages = $0.
Example: What You Might See
Let’s say:
- Medical bills: $5,000
- Lost wages: $2,000
- Future medical: $1,000
- Property damage: $8,000
- Moderate injury (2.5× multiplier)
- You were 10% at fault
- At-fault driver has $10K BI and $10K PD limits
After the calculator factors in all adjustments (fault, caps, multiplier), it might return something like:
Estimated Final Settlement: $13,000
- Bodily Injury Claim: $10,000 (capped by insurance)
- Property Damage Claim: $3,000 (after 10% fault reduction)
What the Calculator Factors In (And Why It Matters)
| Input | Why It Matters |
|---|---|
| Medical Bills | Forms the base of economic damages |
| Lost Wages | Adds to the total compensation |
| Recovery Time | Longer = higher suffering multiplier |
| Vehicle Damage Severity | Impacts the pain & suffering factor |
| Fault % | Florida uses pure comparative negligence. 20% at fault = 20% deduction |
| Insurance Policy Limits | Your final payout is capped here |
| Serious Injury Threshold | Needed to claim general damages |
| DUI, Witnesses, Lawyer, etc. | These increase your leverage and payout potential |
Disclaimer: This Is Just an Estimate
This calculator is not legal advice, and it doesn’t replace speaking with a qualified Florida car accident attorney. It’s an estimate tool based on:
- Pure comparative negligence
- Florida’s no-fault rules
- Typical personal injury formulas
The final settlement depends on many real-world factors — documentation, negotiation skills, insurance adjusters, and whether you go to court.
Why Use This Calculator?
- Quick insight without waiting for a lawyer
- See how different factors affect your payout
- Prepare for negotiations with insurers
- Understand whether it’s worth hiring an attorney
Try the Calculator Now
If you’ve been in a car accident in Florida, plug your numbers into the calculator. It’s fast, private, and gives you a solid starting point.
Use the Florida Car Accident Settlement Calculator
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