Miami Accident Law Snapshot

Miami Car Accident Claims

Legal Options After a Car Accident in Miami In Miami, accident victims can pursue compensation through an insurance claim with the at-fault driver or by filing a personal injury lawsuit. Florida follows modified comparative negligence with a 51% bar under HB 837 (Fla. Stat. §768.81), effective March 24, 2023 - recovery is barred when fault exceeds 50%. Damages may include medical expenses, lost wages, property damage, and pain and suffering. Acting quickly is important due to Florida's statute of limitations, which gives two years for personal injury claims under HB 837.

Quick Facts

Statute: 2 years from the accident date (HB 837, eff. March 24, 2023).
Fault Rule: Modified comparative negligence, 51% bar (HB 837, eff. March 24, 2023 - barred if fault exceeds 50%).
Minimum Coverage: $10,000 bodily injury per person / $20,000 per accident / $10,000 property damage.

Miami Law

Key Facts for Miami Accident Claims

Statute of Limitations

2 years from the accident date (HB 837, eff. March 24, 2023).

Personal injury claims

Fault System

Modified comparative negligence, 51% bar (HB 837, eff. March 24, 2023 - barred if fault exceeds 50%).

Comparative fault rules

Min. Liability Coverage

$10,000 bodily injury per person / $20,000 per accident / $10,000 property damage.

State minimums

Uninsured Motorist

Must be offered unless rejected in writing.

Coverage status

Statute of Limitations in Miami

For accidents on or after March 24, 2023, generally two years from the date of the accident applies to Miami personal injury lawsuits under HB 837. Older claims may still be governed by the previous four-year rule, and property damage claims generally still have a four-year filing period. Filing promptly preserves evidence, medical records, and witness testimony, strengthening your case against the at-fault driver or insurer.

Don't Wait: Evidence can disappear and memories fade. Contact an attorney as soon as possible after your accident.

Miami's Fault System

Florida follows modified comparative negligence with a 51% bar under HB 837 (Fla. Stat. §768.81), effective March 24, 2023. Injured parties may recover damages only if their share of fault does not exceed 50%. If found 51% or more at fault, recovery is barred entirely. If found 25% at fault, damages are reduced by 25%. This approach allows fair recovery while recognizing shared responsibility. Accurate documentation, including police reports and witness statements, is crucial to support your claim.

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Insurance Requirements

Drivers in Miami must carry minimum liability insurance of 10/20/10. Liability coverage pays for injuries and property damage caused to others. Insurers must also offer uninsured motorist coverage unless the policyholder rejects it in writing. Maintaining UM coverage is important because accidents involving uninsured or underinsured drivers are common, especially in high-traffic urban areas like Miami.

Author

Cash4Crashes Editorial Team

Legal Review

Cash4Crashes Legal Review Team

Last Updated

2026-08-04

Sources

Free FL Case Review

Miami FAQ

Frequently Asked Questions

For accidents on or after March 24, 2023, generally two years from the date of the accident applies to a Miami personal injury lawsuit under Florida's HB 837 deadline. That two-year clock applies to the lawsuit itself; your insurance company will likely expect notice of the claim much sooner under your own policy terms. Miami's dense traffic means evidence like intersection camera footage and skid patterns can disappear fast, so waiting until close to the deadline weakens your position. Starting the claims process soon after the crash helps preserve police reports and witness accounts while details are still fresh.

Yes, as long as your fault does not exceed 50%. Florida's modified comparative negligence rule under HB 837 bars recovery when fault exceeds 50%, but a driver found 25% at fault still recovers 75% of their damages. In a high-traffic city like Miami, insurers often contest fault aggressively to trigger the 51% bar or shrink their payout, so documentation carries real weight. Police reports and witness statements gathered at the scene give you a stronger basis for challenging an inflated fault assignment later.

Miami drivers must carry at least 10/20/10 coverage: $10,000 bodily injury per person, $20,000 per accident, and $10,000 in property damage liability. That bodily injury minimum rarely covers the full cost of a serious injury, especially in a city with Miami's accident frequency. When the at-fault driver's liability limits run out, your own uninsured or underinsured motorist coverage can help cover the remaining medical bills and lost income. Confirming the other driver's actual coverage early tells you whether their policy will be enough.

Insurers must offer uninsured motorist coverage on every policy written in Florida, though drivers can reject it in writing. Miami sees a high volume of accidents involving uninsured or underinsured drivers, which makes this coverage especially valuable if you carry it. Without it, a crash caused by an uninsured driver can leave you responsible for your own medical bills beyond what your health insurance covers. Checking your declarations page after signing up for a policy confirms whether you kept UM coverage or declined it.

Get Help from a Miami Attorney

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