Florida’s 14-Day Accident Law is a critical rule tied to the state’s no-fault insurance system. After a car accident, Florida drivers must seek medical care within 14 days to qualify for Personal Injury Protection (PIP) benefits. PIP covers up to $10,000 in medical expenses, lost wages, and, in some cases, death benefits, regardless of who was at fault.
This rule ensures injuries are promptly treated and prevents fraudulent claims by establishing a clear link between the accident and the injuries. Acceptable forms of care include visits to emergency rooms, urgent care clinics, chiropractors, or primary care physicians.
Even if you feel fine after an accident, seeking medical attention is vital. Some injuries, like whiplash or internal trauma, may not show symptoms immediately. Failing to get treatment within the 14-day window means forfeiting your PIP benefits, leaving you financially responsible for medical expenses.
To protect your rights, always document your injuries and medical visits. If issues arise with your PIP claim, consult an attorney. Acting quickly safeguards both your health and financial stability. Remember, in Florida, time is of the essence after an accident—don’t let the 14 days slip by!
