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Florida PIP Claims: What is the ‘14-Day’ Rule?


Florida is a partial no-fault insurance state. As noted by the Florida Department of Highway Safety and Motor Vehicles, all vehicle owners are required to purchase and maintain Personal Injury Protection (PIP) insurance. PIP is a type of no-fault insurance that covers 80 percent of all necessary and reasonable medical expenses after an accident—typically up to $10,000 of damages.

If you are looking into making a PIP claim, you may have questions about Florida’s 14-day rule for car accidents. The regulation generally requires injured victims to seek medical attention within two weeks of a crash to be eligible to bring a PIP claim. Here, our West Palm Beach car accident lawyers offer a guide to Florida’s ‘14-day’ rule for Personal Injury Protection claims.

The 14-Day Rule: Understanding the Basics 

As Personal Injury Protection is no-fault insurance, it should cover 80 percent of your initial medical expenses regardless of who caused the accident. The 14-day rule requires accident victims to seek prompt medical attention. In other words, you must see a doctor within 14-days of the date of a crash to be eligible to bring a PIP claim. Failure to do so will undermine your ability to recover financial compensation.

What Happens If You Fail to Follow the 14-Day Deadline?  

You may be wondering: What happens if more than 14 days have already passed and I still have not seen a doctor? Most likely, your PIP insurer will try to use the delay as an excuse to deny your claim. Florida’s 14-day rule for PIP claims is strict. Failure to seek professional medical attention before the deadline expires may be sufficient reason for an insurance company to deny benefits.  

Protect Yourself By Seeing a Doctor Right Away  

To protect your health, safety, and legal rights, you should seek professional medical attention as soon as possible after a crash in West Palm Beach or Miami. To be clear, your medical treatment does not need to be finished within two weeks. Quite the contrary, you can and should continue to seek medical care as long as needed.

The 14-day-rule for PIP insurance claims simply requires you to make initial contact with a medical professional within the first two weeks of a crash. If you have run into problems with your insurance company, our Florida car accident injury attorneys can offer guidance and support. You may still have legal options available even if 14 days have already gone by since the date of your crash. 

Call Our West Palm Beach Auto Accident Lawyer for Immediate Help

At Pike & Lustig, LLP, our West Palm Beach auto accident attorneys are experienced representatives for victims. If you have any questions about the 14-day rule or PIP claims in general, we are more than ready to assist you. Call us now for a no cost, no obligation review of your case. From our legal offices in West Palm Beach, Wellington and Miami, we represent injured victims all around Florida, including in Miami-Dade County, Broward County, and Palm Beach County.


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