The Florida 14-day accident law requires injured victims to seek medical care within 14 days of a car accident. The 14-day rule applies to claims filed under Personal Injury Protection (PIP) insurance coverage. PIP is a form of car insurance that covers medical expenses and other damages.
As Florida personal injury attorneys, we recommend that you go to the hospital immediately after a car accident even if you don’t have any visible injuries. Your insurance company may deny your claim if you fail to seek medical care under the 14-day rule.
What Type of Medical Care Qualifies?
To qualify under the FL 14-day accident law, you must seek “initial services and care” from a qualified healthcare provider. Qualified health care providers include:
- Medical doctors,
- Chiropractors, and
- Emergency medical technicians.
How Much Coverage is Available Under PIP?
The amount of compensation you can recover under the 14-day rule depends on the severity of your injuries.
Florida law requires drivers to carry minimum PIP coverage of:
- $10,000 in medical and disability benefits and
- $5,000 in death benefits.
If you suffered an “emergency medical condition,” you could recover, subject to the PIP policy limits:
- Up to 80% of all expenses for medically necessary services and
- Up to 60% of lost income and earning capacity.
Under the Florida 14-day accident law, an “emergency medical condition” is a serious medical condition that includes severe pain. It will be found by a qualified healthcare provider when the absence of immediate medical attention could result in:
- Serious jeopardy to your health;
- Serious impairment to your bodily functions; or
- Serious dysfunction of any organ or body part.
If you did not suffer an “emergency medical condition,” your recovery is limited to $2,500 in compensation. Non-emergency injuries might include a bruised arm or leg resulting from a car accident.
However, this determination does not need to be made within 14 days of your accident. You only need to seek medical treatment during that time to potentially qualify.
The personal injury attorneys at Emmanuel, Sheppard & Condon can help determine how much you might recover under the Florida 14-day accident law.
Why Should You Call a Florida Personal Injury Attorney?
You should call a Florida personal injury attorney anytime you have been in a motor vehicle collision. A Florida personal injury attorney can help you navigate this complex process and make sure you get the results you deserve.
Some reasons why insurance companies won’t pay include:
- You did not receive medical care within 14 days of your accident;
- You did not suffer an emergency medical condition; or
- The injuries you claim are different from what you actually suffered.
Our personal injury lawyers are some of the most well established in the greater Pensacola, FL, area. We have been helping injured people like you recover the compensation they deserve for over 100 years. Contact us today for a free consultation.