Florida 14-Day PIP Rule Explained

In Florida, Personal Injury Protection (PIP) insurance is mandatory for all drivers. PIP is designed to cover your medical expenses and a portion of lost wages if you are injured in a car accident, regardless of who was at fault. One important rule drivers need to know is the 14-day PIP requirement.

What Is the 14-Day Rule?

Florida law generally requires that you seek medical treatment within 14 days of your car accident in order for your PIP insurance to cover your injuries. If you delay care beyond this window, your claim could be denied or reduced, making it harder to recover medical costs through your insurance.

Why Acting Quickly Matters

• Medical evidence: Early treatment creates a clear medical record connecting your injuries to the accident.
• Insurance compliance: Filing and treating within 14 days helps meet PIP policy requirements.
• Faster recovery: Prompt evaluation by a healthcare professional ensures you get the care you need right away.

What PIP Covers

PIP can pay for:

• Emergency and follow-up medical care
• Chiropractic care and physical therapy
• Lost wages if injuries prevent you from working

Tips After an Accident

1. Report the accident to your insurance company immediately.
2. Schedule a medical evaluation as soon as possible—don’t wait for pain to worsen.
3. Keep all medical documentation to support your claim.
4. Consult a chiropractor or doctor experienced in auto injuries, as early treatment often prevents chronic issues. Even if you feel “fine” after a motor vehicle injury, it’s smart to schedule a chiropractic evaluation. Taking action early can protect your long-term health, prevent chronic pain, and get you back to living your life without limitations.

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✅ Bottom line: Waiting too long to seek care can jeopardize your PIP coverage. Acting within 14 days protects your rights and ensures you get the care you need to recover fully.