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Florida: rules and deadlines at a glance
Every 11 topic we track for Florida on one page. Open a topic for the details, the law it comes from and how Florida compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 2 years |
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| Property damage | 2 years if based on negligence; 4 years for other property claims |
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| Minimum liability | No bodily injury requirement; $10,000 property damage |
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| Fault system | No-fault (PIP pays first; lawsuits limited) |
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| Shared-fault rule | Modified comparative: barred at 51% fault or more |
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| Acknowledge | 7 days (property claims, since Mar. 1, 2023) |
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| Accept or deny | Pay or deny within 60 days of notice (property) |
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| Pay | Within the same 60 days; interest owed if late |
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| Dollar limit | $8,000 |
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| Filing fee | Varies by county |
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| Lawyers | Allowed |
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| Total loss rule | 80% of actual cash value |
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| Rule | Strict liability |
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| Details | Strict liability |
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| Rule | Modified comparative negligence (51% bar) |
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| When you are barred | Barred if you are 51% or more at fault |
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| Report required if | Death, injury, or over $500 damage |
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| Deadline | Immediately; 10 days if police did not investigate |
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| Handheld ban | School and work zones only |
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| Texting ban | Yes, primary |
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| Law type | Partial |
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| Who must wear one | Riders under 21, or without $10,000 of medical coverage |
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| Drivers uninsured | 20.6% |
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| UM/UIM coverage | Not required (insurers must offer it) |
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