Florida · Statewide

Personal Injury Orthopedic Surgeons in Florida

Manages fractures, joint injuries, and the surgical decisions that define the value and duration of a serious injury case. Orthopedic evaluation frequently produces the emergency medical condition determination that unlocks full PIP benefits, and impairment findings carry more weight now that a claimant above 50% fault recovers nothing.

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Counties covered
67
Cities listed
103
Insurance system
No-fault (PIP)

Florida injury law, in practice

Florida is a no-fault state: a crash victim’s own Personal Injury Protection coverage pays first, regardless of who caused the collision. Two rules drive almost every referral decision — the 14-day deadline to begin care, and whether a qualifying provider has documented an emergency medical condition.

Insurance systemNo-fault — $10,000 minimum PIPFla. Stat. § 627.736
Deadline to begin treatment14 days from the crash, or PIP benefits are lostFla. Stat. § 627.736(1)(a)
Benefit cap without an EMC finding$2,500 instead of the full $10,000Fla. Stat. § 627.736(1)(a)(3)–(4)
Comparative negligenceModified — recovery barred above 50% faultFla. Stat. § 768.81, as amended by HB 837 (2023)
Deadline to file suit2 years for negligence claims arising on or after March 24, 2023Fla. Stat. § 95.11(4)(a), as amended by HB 837
Letters of protectionSubject to statutory disclosure requirements in litigationFla. Stat. § 768.0427
What this means for orthopedic surgeons in FL

Orthopedic evaluation frequently produces the emergency medical condition determination that unlocks full PIP benefits, and impairment findings carry more weight now that a claimant above 50% fault recovers nothing.

This page describes general aspects of state law for informational purposes only. It is not legal advice, does not create an attorney-client relationship, and should not be relied on in any particular case. Statutes change — confirm current law with a licensed attorney in your state.

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