Florida · Statewide

Personal Injury Surgery Centers in Florida

Provides the facility, anaesthesia, and scheduling for outpatient procedures in injury cases, usually on a letter of protection. Facility charges quickly exceed the $10,000 PIP ceiling, so surgical cases in Florida turn on liability coverage and letters of protection rather than first-party benefits.

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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 surgery centers in FL

Facility charges quickly exceed the $10,000 PIP ceiling, so surgical cases in Florida turn on liability coverage and letters of protection rather than first-party benefits.

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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