Signed Retainer Delivery

Florida

Velocity Axis delivers signed MVA retainers to Florida personal injury firms under written criteria. Florida mandates no bodily-injury coverage before a crash, so case value depends on the coverage actually available from the at-fault party or the claimant's own UM. The post-incident financial-responsibility obligation does not change that pre-crash minimum.

Legal record

Tort system

No-fault with PIP and a permanent-injury threshold for non-economic damages; PIP was not repealed.

Minimum coverage

$10,000 PIP / $10,000 property damage; no bodily-injury coverage is mandated

UM and UIM

UM coverage is optional but must be offered, and absent a signed written rejection the policy is deemed to include UM at the bodily-injury limits.

Stacking

Stacked UM coverage is the default unless rejected in writing.

Non-economic cap

Recovery threshold

Non-economic damages require significant and permanent loss of an important bodily function, permanent injury within reasonable medical probability, significant and permanent scarring or disfigurement, or death.

Negligence rule

Modified comparative negligence; recovery is barred above 50 percent fault.

Statute of limitations

2 years for causes accruing on or after March 24, 2023

Advertising and solicitation

Every advertisement

Every advertisement names at least one responsible lawyer or firm and gives the city, town, or county of a bona fide office where the services will be performed. Websites and communications sent at a prospective client's request are exempt from the Bar's advertising filing requirement.

Solicitation

Written solicitation is barred for 30 days after an accident, and in-person, telephone, or real-time electronic solicitation is barred without a time limit. A communication sent at the prospective client's request is advertising, not solicitation, so a claimant who completes a form may retain the firm the same day.

Case value

Stacked UM is the default unless rejected in writing. Taxis, limousines, and other for-hire passenger vehicles carry $125,000 per person / $250,000 per accident / $50,000 property damage minimums.

Sources

Statutes and rules

F.S. 627.733; F.S. 627.727; F.S. 627.736; F.S. 627.737; F.S. 324.032(1); F.S. 768.81(6); F.S. 95.11(4)(a); Florida Rules of Professional Conduct 4-7.12, 4-7.18, and 4-7.20(e).