Understanding Florida’s 14-Day PIP Rule and How It Affects Your Car Accident Claim

If you’ve been injured in a car accident in Florida, one of the most important things to know is the 14-day PIP rule. Many accident victims lose out on thousands of dollars in medical benefits simply because they didn’t seek treatment quickly enough. Understanding how Florida’s Personal Injury Protection (PIP) system works — and how this 14-day rule affects your rights — can make all the difference in your recovery and your case.

 

What Is Florida’s 14-Day PIP Rule?

 

Under Florida’s no-fault insurance law, every driver is required to carry Personal Injury Protection (PIP) coverage as part of their auto insurance policy. PIP pays for your medical expenses, lost wages, and certain out-of-pocket costs, regardless of who caused the crash.

 

However, Florida law requires that you seek medical attention within 14 days of your accident to qualify for PIP benefits. This means you must visit a doctor, emergency room, chiropractor, or other approved medical provider within two weeks of the collision. Failing to do so can cause your insurance company to deny your claim, leaving you responsible for your medical bills.

 

Why the 14-Day Rule Matters

 

Insurance companies use the 14-day rule to limit payouts. If you delay treatment, they may argue that your injuries weren’t serious or weren’t caused by the accident. Even minor pain or discomfort could worsen over time — so it’s crucial to get checked by a medical professional right away. Proper documentation from your initial visit helps your Fort Lauderdale car accident lawyer prove the connection between the crash and your injuries.

 

What PIP Covers (and What It Doesn’t)

Florida PIP insurance typically covers:

• Up to 80% of necessary medical expenses

• Up to 60% of lost wages if you can’t work

• $5,000 in death benefits for fatal accidents

But PIP has limits — usually $10,000 in total coverage, and only $2,500 if your injury is not considered an emergency medical condition (EMC). That’s why serious accident victims often need to pursue additional compensation through a personal injury claim against the at-fault driver.

 

How a Florida Car Accident Lawyer Can Help

 

Navigating PIP laws and insurance claims can be confusing, especially when you’re injured. A skilled Fort Lauderdale personal injury attorney can ensure you meet all legal deadlines, gather medical evidence, and pursue full compensation beyond what PIP covers. At Englander Peebles, we help clients understand their rights, deal with insurers, and maximize their recovery under Florida’s no-fault system.

 

Don’t Miss the Deadline — Protect Your Claim Today

 

If you’ve been in a car, truck, motorcycle, or rideshare accident in South Florida, don’t wait to get medical care and legal help. The 14-day PIP rule can make or break your claim. Contact Englander Peebles, your trusted Fort Lauderdale car accident lawyer, for a free consultation today. Call (954) 226-9134 to protect your health, your rights, and your compensation.