Skip to Content
The Watson Firm, PLLC The Watson Firm, PLLC
Call Us Today! 850-607-2929

Why You Must Seek Medical Treatment Within 14 Days of a Florida Car Accident

Medical Treatment

If you've been in a car accident in Florida, it's crucial to understand how the state's No-Fault insurance system works, specifically the 14-day PIP rule. This rule could significantly impact your ability to receive compensation for your injuries and related medical expenses.

What is Florida's 14-Day PIP Rule?

Florida's No-Fault law requires all drivers to carry a minimum of $10,000 in Personal Injury Protection (PIP) insurance. After an accident, your PIP coverage is designed to pay for your immediate medical expenses, regardless of who was at fault.

The 14-day PIP rule states that you must receive medical evaluation and treatment within 14 days of your car accident for your PIP insurance to cover the costs. If you fail to meet this deadline, your insurance company can deny your claim for those services.

Why is the 14-Day Rule So Important?

  1. Ensures Prompt Medical Attention: Car accidents can cause injuries that aren't always immediately apparent. Seeking medical attention within 14 days helps identify and treat any hidden injuries, preventing potential long-term complications.
  1. Strengthens Your Insurance Claim: By seeing a doctor promptly, you establish a clear link between your injuries and the accident. This makes it more difficult for insurance companies to dispute the legitimacy of your claim.
  1. Increases Access to Insurance Funds: By seeking medical treatment within 14 days of your accident, you immediately be eligible for a minimum of $2,500 in PIP coverage, and after a determination that you’ve sustained an EMC (Emergency Medical Condition), you may be eligible to receive the full $10,000 in PIP coverage.

What Happens If I Miss the 14-Day Deadline?

If you don't seek medical treatment within 14 days, you might still be able to receive compensation, but the process becomes more complicated. You may need to:

  • Use Your Health Insurance: If your PIP coverage is denied, you may have to rely on your health insurance to cover your medical bills.
  • Pursue a Claim or Lawsuit: In some cases, you might be able to file a claim or file a lawsuit against the at-fault driver to recover damages, regardless of whether you sought treatment within 14 days of your car accident. However, you may be penalized for failing to access any available PIP benefits.

Don't Delay - Seek Medical Treatment ASAP

Even if you feel fine after a car accident, it's always wise to get a medical evaluation within the 14-day window. Many injuries, like whiplash or internal injuries, might not show symptoms right away. Getting a checkup can protect your health and your right to compensation.

Need Help?

If you've been injured in a Florida car accident, it's advisable to consult with an experienced personal injury attorney. At The Watson Firm, our personal injury attorneys can help you understand your rights, navigate the PIP system, and ensure you receive the full compensation you deserve.

Disclaimer: This blog article provides general information and should not be considered legal advice. Laws can change, so always consult with a qualified attorney for the most up-to-date guidance.