{"id":768,"date":"2017-05-04T19:24:32","date_gmt":"2017-05-04T19:24:32","guid":{"rendered":"https:\/\/fiolinjurylaw.wpenginepowered.com\/blog\/understanding-floridas-serious-injury-threshold\/"},"modified":"2026-04-23T08:21:07","modified_gmt":"2026-04-23T12:21:07","slug":"understanding-floridas-serious-injury-threshold","status":"publish","type":"post","link":"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/","title":{"rendered":"Understanding Florida\u2019s Serious Injury Threshold"},"content":{"rendered":"<p>During a personal injury claim in Florida, you might hear the phrase, \u201cserious injury threshold.\u201d This is an important element that could determine your rights in terms of seeking compensation as the victim of an accident. Under Florida\u2019s no-fault car insurance laws, victims may only be able to hold at-fault parties accountable if their injuries meet the serious injury threshold. Otherwise, they may have no choice but to seek compensation through first-party insurance claims.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/#What_Is_a_Serious_Injury\" >What Is a Serious Injury?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/#How_Does_Floridas_Serious_Injury_Threshold_Work\" >How Does Florida\u2019s Serious Injury Threshold Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/#Serious_Injury_Threshold_and_Floridas_No-Fault_Laws\" >Serious Injury Threshold and Florida\u2019s No-Fault Laws<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/#Proving_Serious_Injury_Threshold_in_Personal_Injury_Cases\" >Proving Serious Injury Threshold in Personal Injury Cases<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/#Thresholds_Are_Unique_in_Each_Case\" >Thresholds Are Unique in Each Case<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/#How_to_File_a_Personal_Injury_Claim\" >How to File a Personal Injury Claim<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_Serious_Injury\"><\/span>What Is a Serious Injury?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A serious injury is one that significantly impacts the victim's life. It is an injury that could affect a victim for months, years or life. A nonserious injury, on the other hand, is one that will heal quickly and completely without a great deal of pain, suffering and medical expenses. In Florida, <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.737.html\">Statute 627.737<\/a> gives a specific definition for serious injuries in terms of tort liability. This statute gives the state\u2019s serious injury threshold.<\/p>\n<ul>\n<li>Substantial and permanent loss of a bodily function<\/li>\n<li>Permanent injury, with a reasonable degree of medical certainty<\/li>\n<li>Significant and permanent scarring or disfigurement<\/li>\n<li>Death<\/li>\n<\/ul>\n<p>Only an injury that meets this definition will fulfill Florida\u2019s serious injury threshold. Serious injuries can give a victim different rights than he or she would have with minor injuries in Florida. Examples of serious injuries include broken bones, burns, spinal cord injuries, traumatic brain injuries and internal organ injuries.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_Floridas_Serious_Injury_Threshold_Work\"><\/span>How Does Florida\u2019s Serious Injury Threshold Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The serious injury threshold in Florida provides parameters for when an accident victim can seek compensation outside of the state\u2019s no-fault insurance system. If a victim has serious injuries after an auto accident, he or she will bear the right to file a personal injury cause of action for medical bills, property repairs, pain, suffering, mental anguish, legal fees, inconvenience, disabilities and other losses related to the life-changing injury. This cause of action will be against the party allegedly at fault for causing the injuries. If the injuries do not meet Florida\u2019s threshold, however, the victim will only be able to file a claim for benefits through his or her own insurance provider.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Serious_Injury_Threshold_and_Floridas_No-Fault_Laws\"><\/span>Serious Injury Threshold and Florida\u2019s No-Fault Laws<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Florida is one of a dozen no-fault states in the US. Under <a href=\"https:\/\/www.fiolinjurylaw.com\/en\/is-florida-still-a-no-fault-state-2019\/\">Florida\u2019s no-fault insurance law<\/a>, fault may not be relevant in obtaining compensation for a victim\u2019s injuries after an auto accident. Unless the injuries meet Florida\u2019s serious injury threshold, the victim will not have to prove fault to qualify for insurance benefits. Instead of filing a third-party claim against the insurer of the at-fault party, a victim with minor injuries will file a first-party insurance claim. All drivers in Florida must carry the required amounts of insurance.<\/p>\n<ul>\n<li>$10,000 in bodily injury liability insurance per person<\/li>\n<li>$10,000 in personal injury protection insurance<\/li>\n<li>$10,000 in property damage liability insurance<\/li>\n<li>$20,000 in bodily injury liability insurance per accident<\/li>\n<\/ul>\n<p>A Florida driver\u2019s personal injury protection (PIP) insurance will cover his or her damages regardless of fault for the collision. PIP insurance is a type of first-party insurance that covers the policyholder\u2019s injuries in the event of an auto accident. PIP has limits, however, according to the maximums on the policy. A serious injury enables a victim to seek compensation through the other driver\u2019s insurance coverage. This could lead to better compensation for the victim\u2019s damages.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Proving_Serious_Injury_Threshold_in_Personal_Injury_Cases\"><\/span>Proving Serious Injury Threshold in Personal Injury Cases<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is the injured party\u2019s burden of proof to establish the seriousness of his or her injuries. A defendant in a personal injury claim may file a motion with the courts questioning whether the plaintiff meets Florida\u2019s serious injury threshold. The courts will then examine the plaintiff\u2019s claim and supporting evidence to ascertain whether the plaintiff can meet the burden of proof. If the courts find the plaintiff does not have enough evidence of a serious injury, it might dismiss the claim. Evidence of a serious injury can vary.<\/p>\n<ul>\n<li>Medical records<\/li>\n<li>X-rays and scans<\/li>\n<li>Test results<\/li>\n<li>Letters from physicians<\/li>\n<li>Treatment plans<\/li>\n<li>Medical expert testimony<\/li>\n<li>Photographs and videos<\/li>\n<\/ul>\n<p>Proving that a serious injury meets Florida\u2019s threshold may take assistance from a <a href=\"https:\/\/www.fiolinjurylaw.com\/en\/practice-areas\/tampa-car-accident-lawyer\/\">car accident lawyer<\/a>. An accident attorney can work with experts and investigators to help gather evidence proving the serious or permanent nature of an injury. If your lawyer succeeds in proving the serious injury threshold, you could receive compensation beyond what you would receive from a first-party insurance claim. You could obtain compensation for your pain and suffering and punitive damages, for example, instead of only economic damages and lost wages.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Thresholds_Are_Unique_in_Each_Case\"><\/span>Thresholds Are Unique in Each Case<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although Florida\u2019s injury threshold has parameters for what makes a serious injury, the language is vague. It does not list specific injuries that qualify. Instead, it leaves the definition open to interpretation. Each personal injury case has unique factors. The same type of injury may have a minor impact on one claimant but a serious impact on another. What qualifies as a serious injury can change depending on the case and client.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_File_a_Personal_Injury_Claim\"><\/span>How to File a Personal Injury Claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The serious injury threshold is an important aspect of a personal injury claim. It can decide if the client will have a first-party insurance claim or grounds to file a third-party lawsuit. It could change the amount of compensation available to the victim as well as the legal process necessary to recover. Whether you have serious or nonserious injuries, however, you could file a claim in pursuit of benefits in Florida.<\/p>\n<ol>\n<li>Collect information. The early stages of your personal injury claim will focus on information gathering. Obtain as much information about your accident and injury as possible, including police reports, pictures, medical records and eyewitness statements.<\/li>\n<li>Go to the hospital. Never delay medical care, even if you do not think your injuries are serious. Failing to go to the hospital could exacerbate a minor injury. It could also give your insurance company a reason to deny benefits.<\/li>\n<li>Hire a <a href=\"https:\/\/www.fiolinjurylaw.com\/en\/tampa-personal-injury-lawyer\/\">Tampa personal injury attorney<\/a>. Working with a lawyer can ensure you protect your rights from the beginning. Your lawyer can help you with the steps involved in filing a claim, such as submitting paperwork to the Hillsborough County civil courts.<\/li>\n<\/ol>\n<p>You only have four years from the date of your accident to file a personal injury claim in Florida. Delaying filing could hurt your claim and diminish your chances of recovering fair compensation. File your claim with help from an attorney as soon as possible. A lawyer can force your insurance company to treat the first-party claim fairly. If your injuries meet Florida\u2019s serious injury threshold, your lawyer can assist you with filing a third-party suit against the at-fault party instead.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>During a personal injury claim in Florida, you might hear the phrase, \u201cserious injury threshold.\u201d This is an important element that could determine your rights in terms of seeking compensation as the victim of an accident. Under Florida\u2019s no-fault car insurance laws, victims may only be able to hold at-fault parties accountable if their injuries [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-768","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding Florida\u2019s Serious Injury Threshold<\/title>\n<meta name=\"description\" content=\"Learn how Florida\u2019s serious injury threshold affects auto accident claims, when you can sue beyond no-fault PIP, and what qualifies as a serious injury.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Florida\u2019s Serious Injury Threshold\" \/>\n<meta property=\"og:description\" content=\"Learn how Florida\u2019s serious injury threshold affects auto accident claims, when you can sue beyond no-fault PIP, and what qualifies as a serious injury.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiolinjurylaw.com\/en\/blog\/understanding-floridas-serious-injury-threshold\/\" \/>\n<meta property=\"og:site_name\" content=\"Fiol &amp; 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