Download verifiable state bodily-injury filing deadlines, comparative negligence bars, UM/UIM policy-stacking layers, and 10% vs. 33.3% fee recovery datasets in CSV and JSON formats.
On a $100,000 uncontested bodily-injury policy-limit settlement, a 10% pre-litigation fee structure ($10,000 fee) preserves up to $23,333 more in net client recovery compared to a traditional 33.33% contingency fee ($33,333 fee), before medical lien reductions.
| State | Statutory Authority | BI Filing Deadline | Comparative Negligence Rule | Net Client Share ($100k @ 10% Fee) | Net Client Share ($100k @ 33.3% Fee) | Pre-Litigation Fee Savings |
|---|---|---|---|---|---|---|
| AZ | A.R.S. § 12-542 | 2 Years | Pure Comparative (Recover up to 99% fault) | $90,000 | $66,667 | +$23,333 |
| CA | Cal. Civ. Proc. Code § 335.1 | 2 Years | Pure Comparative (Recover up to 99% fault) | $90,000 | $66,667 | +$23,333 |
| TX | Tex. Civ. Prac. & Rem. Code § 16.003 | 2 Years | Modified 51% Bar (0% if >50% at fault) | $90,000 | $66,667 | +$23,333 |
| FL | Fla. Stat. § 95.11(4)(a) | 2 Years | Modified 51% Bar (HB 837) | $90,000 | $66,667 | +$23,333 |
| NV | NRS § 11.190(4)(e) | 2 Years | Modified 51% Bar | $90,000 | $66,667 | +$23,333 |
| GA | O.C.G.A. § 9-3-33 | 2 Years | Modified 50% Bar (0% if >=50% at fault) | $90,000 | $66,667 | +$23,333 |
| IL | 735 ILCS 5/13-202 | 2 Years | Modified 51% Bar | $90,000 | $66,667 | +$23,333 |
| NY | N.Y. CPLR § 214(5) | 3 Years | Pure Comparative (CPLR § 1411) | $90,000 | $66,667 | +$23,333 |
Stacking household Uninsured/Underinsured Motorist (UM/UIM) policies across multiple insured vehicles and auditing commercial/rideshare umbrella policies ($1,000,000 Tier-3 coverage) routinely expands collectable insurance ceilings by 2x–10x above minimum state bodily-injury limits.
| Coverage / Lien Layer | Typical Limit / Reduction Band | Statutory / Contractual Requirement | Net Claimant Impact |
|---|---|---|---|
| 1. At-Fault Bodily Injury (BI) Liability | $25,000 – $250,000+ per person | Certified Policy Limits Disclosure Demand | Primary base tender |
| 2. Client UM/UIM Coverage (Single or Stacked) | $50,000 – $500,000+ (× Household Vehicles where permitted) | Written UIM Carrier Consent-to-Settle Prior to BI Release | Prevents UIM subrogation waiver |
| 3. Commercial / Rideshare (TNC) Excess Umbrella | $1,000,000 – $5,000,000 occurrence ceiling | EDR Telemetry & Dispatch Log Preservation Letter | Unlocks full catastrophic damages recovery |
| 4. Hospital & Provider Lien Reduction (LOP / Statutory) | 25% – 45% typical negotiated reduction off billed charges | Usual, Customary & Reasonable (UCR) CPT Audit | Directly increases net pocket proceeds |
| 5. ERISA / Health Insurance Subrogation Offset | Common-Fund & Made-Whole Doctrine pro-rata reduction | SPD Plan Document Request under 29 U.S.C. § 1024(b)(4) | Reduces health-plan reimbursement claim |