Case Value & Damages

What is my car accident case worth?

Attorney-Reviewed Answer
Reviewed by Jeff T. Gorman, Criminal Defense Attorney & Former 19th Circuit Prosecutor (Fla. Bar #538183). Last reviewed: September 2026
Short Answer
Nobody can tell you from a webpage — and the honest constraint is usually the available insurance, not the injury.

Anyone quoting you a number without seeing your records and knowing the coverage is guessing.

What determines value. The nature and permanency of the injury. Total medical costs, past and future. Lost income and any reduction in earning capacity. The effect on daily life. Comparative fault. The venue. And, frequently the binding constraint, the available insurance coverage.

That last item dominates more often than people expect. Florida doesn't generally require bodily injury liability coverage. A catastrophic injury caused by a driver with no BI coverage and no UM on your side produces very little, regardless of how serious it was.

Which is why the first useful question isn't what it's worth — it's what coverage exists. You can compel a sworn disclosure of the at-fault driver's limits with a written request, answered within 30 days.

What changed in 2023 also matters: for bills already paid, juries hear amounts paid rather than billed.

Find out the policy limits first. That number frames everything else. ---

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This page answers a common question for general informational purposes and is not legal advice, and no attorney-client relationship is formed by reading it. Florida law changes; while this answer is reviewed by a licensed Florida attorney, the right answer depends on the specific facts of your situation — consult an attorney. Serving Martin, St. Lucie, Palm Beach, Indian River, and Okeechobee Counties.