Motor vehicle accidents in Florida
Florida is one of the highest-volume crash states in the country, and its geography spreads that volume across several dense markets. I-95 runs the Atlantic coast through Miami, Fort Lauderdale, West Palm Beach, and Jacksonville; I-4 links Tampa to Orlando through the fast-growing I-4 corridor; and I-75 and the Turnpike carry heavy traffic and a constant flow of out-of-state and tourist drivers.
Miami-Dade, Broward, Orlando, Tampa Bay, and Jacksonville each generate large serious-injury caseloads. For a Florida firm, the challenge is standing out in a crowded, aggressive intake market and reaching the claimant before anyone else.
Florida injury law that shapes these cases
Florida is a no-fault state. Every driver's own Personal Injury Protection (PIP) pays initial medical bills regardless of who caused the crash, and a claimant generally must receive care within 14 days. To step outside no-fault and sue the at-fault driver for pain and suffering, the injury must meet the serious-injury threshold (permanent injury, significant scarring, or significant loss of function) — which makes screening for real, serious injury especially important here.
As of March 2023, the statute of limitations for negligence-based personal-injury claims is two years from the date of the crash (Fla. Stat. § 95.11), cut down from the previous four-year window under HB 837.
That same 2023 reform moved Florida from pure to modified comparative negligence with a 51% bar: a claimant more than 50% at fault recovers nothing, while a claimant 50% or less at fault recovers, reduced by their share.
Florida's mandatory minimums are unusual: $10,000 PIP and $10,000 property-damage liability (PDL). Notably, Florida does not require bodily-injury liability (BIL) coverage for standard registration — so UM/UIM and the at-fault driver's optional BIL often decide how far a case can recover.
How we screen Florida leads
We run our own motor-vehicle-accident campaigns across the South Florida, Orlando, Tampa Bay, and Jacksonville markets, capture the claimant directly, and qualify every one before it reaches your intake team:
- Recent accident — recent enough to sit well inside the two-year filing window and the 14-day PIP care requirement.
- Real injury — critical in a no-fault state, where the case has to clear the serious-injury threshold to leave the PIP system.
- Not at fault — with a 51% bar, shared fault can eliminate the claim, so we confirm the claimant was not the at-fault driver.
Florida advertising & lead-gen compliance
The federal TCPA is the baseline: marketing calls and texts to a Florida claimant require prior express written consent, and opt-outs must be honored promptly under the FCC's 2025 revocation rules. The one-to-one consent rule was vacated in January 2025 and is not in force, but valid consent is still required.
On top of that, Florida enforces its own mini-TCPA — the Florida Telephone Solicitation Act (FTSA), as amended by HB 761 (2023). It requires prior express written consent for unsolicited sales calls and texts (a checkbox or affirmative response can suffice), gives consumers a 15-day window to cure an opt-out after they text STOP, and carries a private right of action. Buy from a source that ignores the FTSA and that exposure attaches to the firm receiving the lead.
Kurios runs consent-based, advertising-driven campaigns with documented capture, compliant landing pages, and no outcome guarantees — honoring opt-outs (including the FTSA's STOP handling) and solicitation windows, with each lead delivered to a single firm. The compliance risk stays on the campaign, not on your bar standing or your bank account. For the authoritative rules behind all of this, see the Florida Bar’s attorney-advertising rules and the official Florida Senate statutes.
Why Florida personal injury firms work with Kurios
In one of the most competitive PI markets in the country, the number that matters is cost per signed case — and in Florida, where a careless lead source also means FTSA exposure, exclusive and screened is the only math that works. Every Florida lead is exclusive to one firm — never shared, resold, or recycled — and pushed into your CRM (Filevine, Litify, Salesforce, and others) in under 10 seconds so you're the first call, not the fifth. No junk, no wrong numbers, no spend wasted on leads that never sign. We are MVA-only and start with a 3-month test batch of 50 exclusive leads a month — month-to-month, cancel anytime within the 3 months, no retainer. We generate every lead ourselves — an operator, not an aggregator reselling a shared pool — so cost per signed case is what you measure us on. See our car accident lead program and the full MVA lead lineup.
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See If You QualifyFrequently Asked Questions
What is the statute of limitations for a car accident claim in Florida?
Two years from the date of the crash under Fla. Stat. § 95.11, reduced from four years by HB 837 for claims accruing on or after March 24, 2023.
Is Florida a no-fault state?
Yes. Each driver's PIP pays initial medical bills regardless of fault, and care is generally required within 14 days. Suing the at-fault driver requires meeting the serious-injury threshold.
How does comparative negligence work in Florida?
Since HB 837 (2023), Florida uses modified comparative negligence with a 51% bar: a claimant more than 50% at fault recovers nothing; 50% or less recovers, reduced by their share.
Are your Florida leads exclusive?
Yes. Every Florida car accident lead goes to one firm only — never shared, resold, or recycled, which matters even more in this saturated market.
Do Kurios's Florida leads comply with the FTSA?
Florida's mini-TCPA — the Florida Telephone Solicitation Act, amended by HB 761 (2023) — requires prior express written consent for sales calls and texts, gives consumers a 15-day cure window after they text STOP, and carries a private right of action. Kurios captures leads through consent-based advertising with documented consent and honors opt-outs, so the firm receiving the lead isn't taking on FTSA exposure.
Are Kurios's Florida leads TCPA-compliant?
Yes. Claimants are captured through consent-based advertising with documented prior express consent, opt-outs are honored, and we make no outcome guarantees — meeting the federal TCPA baseline plus Florida's FTSA requirements.
How fast do Florida leads reach my CRM?
In under 10 seconds. Each lead is pushed directly into your CRM in real time so your intake team can call immediately.