Florida is among 10 states who have Personal Injury Protection (PIP) or no-fault auto insurance. This is to provide drivers immediate healthcare benefits up to $10,000 after the car crash in lieu of manifesting fault through the court system. The aim was to reduce the payment delay for injured, also to limit the court utilization.
In Florida, it is mandatory to have a PIP policy by the drivers who own motor vehicles registered in-state. This policy makes the injured person responsible for his injuries regardless of the fault. PIP coverage can be beneficial only if claimed under 14 days as per Florida?s rule.
Florida?s 14 Days Rule: Understanding The Basics
As per Florida?s PIP coverage, it is required to seek medical attention from the injured driver or passenger in a car accident within 14 days to protect the medical benefits provided by your auto insurance coverage. This coverage is a minimum of $10,000. If you do not go to the doctor or any healthcare provider to have treatment started within 14days you can not claim PIP benefits even if you are physically hurt.
If you or someone known is injured in a car accident it is of prime importance you should consult a doctor as soon as possible. Some injuries are dormant for days or even weeks or it is possible injury might be internal after an accident, so it is highly recommended you should go to get checked out and protect yourself even though no physical injury is being noticed. If not done within 2 weeks, your claim is likely to be denied by the insurance company.
Medical Treatment After Car Accident:
To protect yourself physically and legally, professional medical attention is required in order to take the compensation benefits of the PIP. After ?the 2013 amendment? of this rule, the accident victim required to seek any type of medical attention should be a professionally qualified medical care provider.
List Of Some Qualified Medical Providers:
- Emergency Department
- Medical Physician
- Dentist
- Chiropractor
What PIP Covers:
PIP coverage pays for the damages caused by mechanical, internal, and neurological injuries. These damages include medical bills, lost wages, and death benefits up to $10,000. If the insured driver is injured in an auto accident, there will be money to compensate for his healthcare facilities in the future having medical treatment done within 14 days only. In addition, it is mentioned that your treatment is not required to be ended in 14 days but you can and should continue the treatment as long as needed.
What If You Fail To Follow 14 Days Rule:
The 14days rule for PIP coverage simply requires you to consult a doctor for medical attention within 2 weeks of the crash. If you fail to follow the 14days rule i.e. if you haven?t seen a doctor in 14days from the car wreck it is likely your insurance company will deny your benefits. They are within the law to do so.
Your insurance company should be dedicated to providing you with the PIP benefits that you have paid for already, but still, they occasionally deny your insurance benefits. This is highly stressful for a person suffering from injuries and not being able to receive the treatment they need.
You don?t have to panic in such a condition, we can help you in your tough times. At Ortega Health Group, we can help you Protect your PIP benefits!
Fill out the online form to start the process of making sure you get full access to the $10,000 in benefits you have paid for. It is even free, we just want to make sure you are protected. Even if you decide not to follow up with treatment, at least your benefits are protected if you decide later that you need treatment.