Injured in a car accident but haven’t made it to the doctor’s office? In Florida, your auto insurance company requires you to see medical attention within 14 days of an auto accident. If you do not seek medical attention within these 14 days after an accident, you could be forclosing yourself from coverage under your Personal Injury Protection, also known as PIP insurance that you may be entitled to.
What is PIP?
Florida is a “no-fault state” which means no matter who the at-fault party is in a car accident, every driver is required to have at least $10,000 in PIP coverage. PIP can be applied to your lost wages and medical expenses.
In order for this compensation to be applicable, you are required to seek medical attention within 14 days of an accident from a qualifying health care physician. Qualified health care providers could include:
- Medical doctor
Unfortunately, there are situations where medical attention from an acupuncturist and physical therapists do NOT qualify so make sure you are seeking attention on the right type of physician.
Complying with the 14-day rule is the most important thing to do after you or someone you know has been involved in an accident. If you do not comply with this rule, the insurance company will likely deny your claim and NOT provide that coverage that should be afforded to you.
After an accident, it is possible that you have delayed symptoms. You may start feeling pain after multiple days of an accident and you will not want to miss out on coverage because of a delayed reaction. Therefore, the first thing after an accident, visit a health care physician.