{"id":54742,"date":"2026-09-24T03:10:27","date_gmt":"2026-09-24T03:10:27","guid":{"rendered":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/maximum-insurance-payout-car-accident\/"},"modified":"2026-11-04T01:03:20","modified_gmt":"2026-11-04T01:03:20","slug":"maximum-insurance-payout-car-accident","status":"publish","type":"page","link":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/maximum-insurance-payout-car-accident\/","title":{"rendered":"Maximum Insurance Payout for Car Accident in Florida"},"content":{"rendered":"<article lang=\"en\">\n\n<h1>Maximum Insurance Payout for Car Accident in Florida<\/h1>\n<p>The maximum insurance payout for a car accident in Florida is not one fixed number. It depends on the insurance policies that apply to the crash. Most of those policies have set limits.<\/p>\n<p>Three things shape what you may recover:<\/p>\n<ul>\n<li>Your own coverage<\/li>\n<li>The at-fault driver&#8217;s coverage<\/li>\n<li>Florida&#8217;s no-fault rules<\/li>\n<\/ul>\n<p>This guide explains where the money comes from. It covers the limits that matter. It also covers what can change the final amount. This is general information. It is not legal advice about your case.<\/p>\n<p>CHG Personal Injury Lawyers is a Florida-based firm. Igor Hernandez is the responsible lawyer for this page.<\/p>\n<h2>What is the maximum insurance payout for a car accident in Florida?<\/h2>\n<p>There is no single maximum. Payouts usually come from three places:<\/p>\n<ul>\n<li>Personal injury protection (PIP)<\/li>\n<li>The at-fault driver&#8217;s bodily injury liability coverage<\/li>\n<li>Uninsured or underinsured motorist coverage<\/li>\n<\/ul>\n<p>Each one has its own limits and its own rules.<\/p>\n<p>Think of them as layers. Each layer covers different losses. The limits on each layer set the ceiling for that layer.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>Where does the money come from after a Florida crash?<\/h2>\n<p>Florida uses a no-fault system for many crashes. <a href=\"https:\/\/www.iii.org\/article\/background-on-no-fault-auto-insurance\">The Insurance Information Institute explains<\/a> that drivers generally make their first claim through their own insurer. For most people, that is the starting point.<\/p>\n<h3>Personal injury protection (PIP)<\/h3>\n<p>PIP is the first layer. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.736.html\">Fla. Stat. \u00a7 627.736<\/a>, the insurer of a vehicle&#8217;s owner pays PIP benefits only for the listed persons and circumstances, such as accidental bodily injury sustained in this state by the owner while occupying a motor vehicle.<\/p>\n<p>This includes:<\/p>\n<ul>\n<li>Injuries to the owner while in the vehicle<\/li>\n<li>Injuries sustained in Florida to a person struck by the owner&#8217;s motor vehicle while not an occupant of a self-propelled vehicle, if that person is a resident of Florida and the injury is caused by physical contact with that motor vehicle, provided the person does not own a vehicle that must carry PIP security and is not entitled to PIP benefits from the insurer of the owner of such a vehicle.<\/li>\n<\/ul>\n<p>PIP is not the whole recovery. It pays certain bills and losses first. Other layers may apply on top of it.<\/p>\n<h3>Bodily injury liability coverage<\/h3>\n<p>Bodily injury liability is the at-fault driver&#8217;s insurance. It pays for injuries that driver causes.<\/p>\n<p>Its limits are the most common ceiling in a claim against that driver. If your losses are bigger than those limits, the gap matters a great deal.<\/p>\n<h3>Uninsured and underinsured motorist coverage<\/h3>\n<p>Your own uninsured motorist (UM) and underinsured motorist (UIM) coverage can help. It can help when the at-fault driver has no insurance or too little.<\/p>\n<p>Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.727.html\">Fla. Stat. \u00a7 627.727<\/a>, UM coverage limits must be not less than your bodily injury liability limits unless a named insured rejects the coverage or selects a lower limit that complies with the insurer&#8217;s rating plan.<\/p>\n<p>Read more in our guide to uninsured and underinsured motorist claims in Florida.<\/p>\n<h2>Why do serious injuries change what you can recover?<\/h2>\n<p>Florida limits pain-and-suffering damages in most car accident cases. In Florida car-crash cases, an injured person may recover pain, suffering, mental anguish, and inconvenience damages from the owner or driver of a vehicle with required security only if the injury meets one of the conditions in \u00a7 627.737(2)(a)-(d). But only if the injury meets a threshold.<\/p>\n<p>Under \u00a7 627.727(7), an uninsured motorist insurer&#8217;s legal liability does not include damages for pain, suffering, mental anguish, and inconvenience unless the injury or disease is described in one or more of paragraphs (a)-(d) of s. 627.737(2):<\/p>\n<ul>\n<li>Significant and permanent loss of an important bodily function.<\/li>\n<li>Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement.<\/li>\n<li>Significant and permanent scarring or disfigurement.<\/li>\n<li>Death.<\/li>\n<\/ul>\n<p>Serious injuries often fit within these categories.<\/p>\n<p>Whether a particular injury fits depends on medical records and the facts of the crash. Follow your doctors&#8217; care. Keep every record.<\/p>\n<p>UM coverage follows the same threshold. A UM insurer&#8217;s legal liability generally does not include pain, suffering, mental anguish, and inconvenience unless the injury meets Florida&#8217;s serious-injury conditions. That is true unless the injury meets that same test.<\/p>\n<h2>How do medical bills affect the payout?<\/h2>\n<p>Medical charges are often a large part of a claim. The rules for them are specific.<\/p>\n<p>Under Florida&#8217;s personal injury protection rules, <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.736.html\">Fla. Stat. \u00a7 627.736<\/a> provides that eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services is covered, up to the $10,000 limit. This applies only if the individual receives initial services and care within 14 days after the motor vehicle accident. That initial care must come from a licensed physician, dentist, chiropractic physician, or advanced practice registered nurse. It may also come from a hospital, a facility that owns or is wholly owned by a hospital, or a licensed emergency transportation and treatment provider. There are limited exceptions for coinsurance and policy maximums.<\/p>\n<p>Treatment under a letter of protection raises its own questions. A letter of protection is a promise to be paid from a future settlement or verdict. See <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.0427.html\">Fla. Stat. \u00a7 768.0427<\/a> for the details.<\/p>\n<p>Collateral sources can also reduce a damages award. These include some insurance benefits you received. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.76.html\">Fla. Stat. \u00a7 768.76<\/a>, the court reduces the award by amounts paid or available from collateral sources. The exception is when a subrogation or reimbursement right exists. Subrogation means another party has a right to be repaid from your recovery.<\/p>\n<h2>How do you find out the other driver&#8217;s policy limits?<\/h2>\n<p>You can ask the insurer for a sworn statement. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.4137.html\">Fla. Stat. \u00a7 627.4137<\/a>, an insurer must provide one within 30 days of your written request.<\/p>\n<p>The statement lists:<\/p>\n<ul>\n<li>Each known insurer and each insured<\/li>\n<li>The liability limits<\/li>\n<li>Any coverage defense the insurer reasonably believes it has<\/li>\n<\/ul>\n<p>The insurer must also give you a copy of the policy.<\/p>\n<p>You generally cannot sue the other driver&#8217;s liability insurer directly. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.4136.html\">Fla. Stat. \u00a7 627.4136<\/a>, a person not insured under the policy must first get a settlement or verdict against the insured. An insurer can be added at the judgment or settlement stage by motion, unless the insurer denied coverage or defended under a reservation of rights under s. 627.426(2).<\/p>\n<h2>What if the at-fault driver has no insurance?<\/h2>\n<p>Florida requires vehicle owners to keep security. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.733.html\">Fla. Stat. \u00a7 627.733<\/a>, an owner who lacks required security at the time of a crash has no immunity from tort liability. Tort liability means legal responsibility for harm caused by a wrongful act. That owner is personally liable for PIP benefits.<\/p>\n<p>If an insurer becomes insolvent, meaning it cannot pay its claims, unpaid covered claims may be handled through the state-created association that pays covered claims of insolvent Florida insurers.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Have questions about what happened?<\/h3><p class=\"wp-block-paragraph\">Ask our team directly. The first conversation is free, confidential, and there is no obligation to continue.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Talk to our team<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Talk to our team<\/a><\/div><\/div>\n<\/div>\n<h2>How does fault affect what you can collect?<\/h2>\n<p>Your share of fault matters. Florida uses modified comparative fault, also called shared fault (<a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Fla. Stat. \u00a7 768.81(6)<\/a>).<\/p>\n<p>Under Florida&#8217;s comparative fault system:<\/p>\n<ul>\n<li>In a negligence action to which this section applies, a claimant found more than 50 percent at fault for their own harm may not recover any damages; this rule does not apply to personal injury or wrongful death actions arising out of medical negligence.<\/li>\n<li>Otherwise, damages are reduced by the claimant&#8217;s share of fault.<\/li>\n<\/ul>\n<p>Timing matters too. For most Florida negligence claims, the deadline to file a lawsuit is two years, under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0000-0099\/0095\/Sections\/0095.11.html\">Fla. Stat. \u00a7 95.11<\/a>. Our guide on Florida&#8217;s statute of limitations for car accidents covers this in more detail.<\/p>\n<h2>Do commercial and rental vehicles have different limits?<\/h2>\n<p>Yes, they can. Under <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0300-0399\/0324\/Sections\/0324.021.html\">Fla. Stat. \u00a7 324.021<\/a>, a lessor under a lease of one year or longer is not deemed the owner for financial responsibility purposes. A lessor is the owner who leases the vehicle out. This applies while the lessee&#8217;s required insurance is in effect. The lessee is the person renting the vehicle.<\/p>\n<p>The statute sets minimum limits for that lessee insurance:<\/p>\n<p>Commercial and rental crashes can involve several policies at once. This is one reason these cases need careful review.<\/p>\n<h2>What should families know after a fatal crash?<\/h2>\n<p>A death is the most serious outcome a crash can cause. Under Florida&#8217;s threshold, death is one of the conditions that allows a claim for pain and suffering. Families may also pursue wrongful death claims. A wrongful death claim is brought by the family after a person dies.<\/p>\n<p>Families often need the official crash record early. The <a href=\"https:\/\/www.flhsmv.gov\/traffic-crash-reports\/\">Florida Department of Highway Safety and Motor Vehicles<\/a> publishes information on crash reporting. It also explains how involved parties can obtain crash details. Keep the report, the insurance information, and every bill.<\/p>\n<p>Speed is a common factor in serious crashes. The <a href=\"https:\/\/www.iihs.org\/research-areas\/speed\">Insurance Institute for Highway Safety<\/a> reports that speeding increases both the likelihood and the severity of crash injuries.<\/p>\n<h2>Common mistakes that can reduce a payout<\/h2>\n<ul>\n<li>Accepting an early offer before the full extent of an injury is known.<\/li>\n<li>Giving a recorded statement without understanding what it may be used for.<\/li>\n<li>Posting about the crash or your activities on social media.<\/li>\n<li>Missing the filing deadline.<\/li>\n<li>Skipping recommended medical care. This can make it harder to show the injury&#8217;s effect.<\/li>\n<\/ul>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Want to know where you stand?<\/h3><p class=\"wp-block-paragraph\">Tell us what happened and our team will walk you through the options available to you, at no cost.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free review<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free review<\/a><\/div><\/div>\n<\/div>\n<h2>Frequently asked questions<\/h2>\n<p><strong>Is there one maximum payout for a Florida car accident?<\/strong>\nNo. The total depends on PIP, the at-fault driver&#8217;s liability limits, and your own UM or UIM coverage.<\/p>\n<p><strong>Does Florida have no-fault car insurance?<\/strong>\nFlorida uses a no-fault structure. PIP is the first layer for many drivers.<\/p>\n<p><strong>When can I recover pain and suffering damages?<\/strong>\nUnder Florida law, you generally need one of these: a significant and permanent injury, a permanent injury, significant and permanent scarring, or death.<\/p>\n<p><strong>Can I sue the other driver&#8217;s insurance company directly?<\/strong>\nGenerally not first. A settlement or verdict against the insured must come first.<\/p>\n<p><strong>How long do I have to file a lawsuit?<\/strong>\nFor most Florida negligence claims, the deadline is two years.<\/p>\n<p><strong>What if I was partly at fault?<\/strong>\nFlorida&#8217;s comparative fault rules can affect how much a person may recover (<a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0700-0799\/0768\/Sections\/0768.81.html\">Fla. Stat. \u00a7 768.81(6)<\/a>).<\/p>\n<h2>Talk with CHG Personal Injury Lawyers<\/h2>\n<p>If a family member is in the hospital or a bill has arrived, you may feel overwhelmed. Insurance limits and deadlines are hard to track during recovery.<\/p>\n<p>Our lawyers are licensed in Florida. Our team can explain how these layers may apply to your situation.<\/p>\n<p>CHG Personal Injury Lawyers offers a free, confidential first consultation with no obligation to continue. The firm charges no attorney&#8217;s fees and no case costs unless there is a recovery. <a href=\"https:\/\/chglawyers.com\/contact-us\/\">Contact our team<\/a> to start the conversation.<\/p>\n<footer class=\"disclaimer\"><em>This is attorney advertising. The information provided is for general informational purposes only and is not legal advice. Prior results do not guarantee a similar outcome, and contacting the firm does not create an attorney-client relationship. Cornish Hernandez Gonzalez, PLLC, 2525 Ponce de Leon Blvd, Suite 300, Coral Gables, FL 33134.<\/em><\/footer>\n<\/article>\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/car-accident-settlements-florida\/\">Car Accident Settlements in Florida: What Your Case May Be Worth<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/car-accident-settlement-timeline\/\">How Long Does a Car Accident Settlement Take With a Lawyer?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/minor-injury-car-accident-settlement\/\">Minor Injury Car Accident Settlement: What to Expect<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/car-accident-physical-therapy-settlement\/\">Car Accident Physical Therapy Costs: What You Can Recover<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/multiple-injuries-car-accident-settlement\/\">Multiple Car Accident Injuries: Calculating Total Compensation<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/medical-records-car-accident-settlement\/\">Medical Records and Car Accident Settlements: Why Documentation Matters<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/car-accident-settlements-florida\/medical-expenses-lost-wages-car-accident\/\">Medical Expenses and Lost Wages in Car Accident Settlements<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/medical-records-car-accident-settlement\/\">Medical Records and Car Accident Settlements: Why Documentation Matters<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/medical-treatment-car-accident\/\">Medical Treatment After a Car Accident: Getting Care and Documenting Injuries<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/minimum-settlement-car-accident-florida\/\">Minimum Settlement Car Accident Florida<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/minor-injury-car-accident-claim-value\/\">What Happens When You Have a &#x27;Minor&#x27; Injury but Real Costs<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>How much a Florida car accident claim can pay depends on PIP, bodily injury, and uninsured motorist coverage. Learn the limits, deadlines, and next steps.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":39266,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"[{\"hreflang\": \"en\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/maximum-insurance-payout-car-accident\/\"}, {\"hreflang\": \"es\", \"href\": \"https:\/\/chglawyers.com\/resources\/es\/liquidacion-accidentes-autos-florida\/indemnizacion-maxima-accidente\/\"}, {\"hreflang\": \"x-default\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/maximum-insurance-payout-car-accident\/\"}]","chg_jsonld":"[{\"about\": [{\"@type\": \"Thing\", \"name\": \"Personal injury\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Personal_injury\"}, {\"@type\": \"Thing\", \"name\": \"Statute of limitations\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Statute_of_limitations\"}], \"@context\": \"https:\/\/schema.org\", \"headline\": \"Maximum Insurance Payout for Car Accident in Florida\", \"provider\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"publisher\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"speakable\": {\"@type\": \"SpeakableSpecification\", \"cssSelector\": [\"article > p:first-of-type\", \".wp-block-details p\", \"article > h1\"]}, \"inLanguage\": \"en-US\", \"description\": \"Explains how Florida car accident insurance payouts depend on PIP, bodily injury, and uninsured motorist coverage, including coverage limits, filing deadlines, and next steps.\", \"spatialCoverage\": {\"name\": \"Florida\", \"@type\": \"State\"}, \"isAccessibleForFree\": true, \"mentions\": [{\"@type\": \"Thing\", \"name\": \"Comparative negligence\", \"sameAs\": \"https:\/\/en.wikipedia.org\/wiki\/Comparative_negligence\"}], \"author\": {\"@type\": \"Person\", \"name\": \"Igor Hernandez\", \"url\": \"https:\/\/chglawyers.com\/our-firm\/\", \"jobTitle\": \"Attorney\", \"sameAs\": [\"https:\/\/www.floridabar.org\/directories\/find-mbr\/profile\/?num=106386\", \"https:\/\/www.linkedin.com\/in\/igorh\/\", \"https:\/\/profiles.superlawyers.com\/florida\/miami\/lawyer\/igor-hernandez\/cd5f52fd-6cf1-4c47-8c6e-5e8f339a380d.html\"]}, \"reviewedBy\": {\"@type\": \"Person\", \"name\": \"Igor Hernandez\", \"url\": \"https:\/\/chglawyers.com\/our-firm\/\", \"jobTitle\": \"Attorney\", \"sameAs\": [\"https:\/\/www.floridabar.org\/directories\/find-mbr\/profile\/?num=106386\", \"https:\/\/www.linkedin.com\/in\/igorh\/\", \"https:\/\/profiles.superlawyers.com\/florida\/miami\/lawyer\/igor-hernandez\/cd5f52fd-6cf1-4c47-8c6e-5e8f339a380d.html\"]}, \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is there one maximum payout for a Florida car accident?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. The total depends on PIP, the at-fault driver\u2019s liability limits, and your own UM or UIM coverage.\"}}, {\"@type\": \"Question\", \"name\": \"Does Florida have no-fault car insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Florida uses a no-fault structure. 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