Quick Facts
- Statute: 4 years from the accident date.
- Fault Rule: Pure comparative negligence.
- Minimum Coverage: $10,000 bodily injury per person / $20,000 per accident / $10,000 property damage.
Key Facts for Miami Accident Claims
Statute of Limitations
4 years from the accident date.
Personal injury claims
Fault System
Pure comparative negligence.
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
Comparative Fault: Pure comparative negligence. Minimum Liability Coverage: $10,000 bodily injury per person / $20,000 per accident / $10,000 property damage. Uninsured Motorist: Must be offered unless rejected in writing.
Miami's Fault System
Florida operates under a pure comparative negligence system. Even if an injured party is partially responsible for the accident, they may recover damages reduced by their share of fault. For example, if a person is found 25% at fault, their 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.
Frequently Asked Questions
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