Effects of 14-Day PIP Rule on Car Accident Claims

There is a rule in the state of Florida by which seeking medical care for injured persons is necessary within the first two weeks of an auto accident. This is called the 14-day rule. If you are involved in a car accident, failure to follow this rule may cause limits or restrictions in the case and you might lose your right to recover damages. That means your car insurance company will not provide you with PIP (Personal Injury Protection) coverage.

Why PIP is Important?

• You can get $10,000 worth of medical coverage with a PIP plan. No matters if you are the cause of an accident or not.
• No need to pay back PIP coverage after receiving a settlement in a lawsuit.

Why 14-Day Rule was Necessary?

There are many reasons for the existence of the 14-day rule in Florida. It is very helpful for the protection of car accident victims and insurance companies. Some of the main reasons for this rule are:

• To stop fraud insurance claims.
• For fast & prompt analysis.
• The insurance companies can deny for detached injuries or damages.
• To avoid medical emergencies.

Seeking Fast Medical Attention After a Car Accident

Seeking prompt medical care is necessary after a car accident to stop injuries becoming more complicated or cause infections. It is very important to go to a doctor even if there are no visible injuries. Any delay in medical treatment can hurt you physically and financially. So, it is important to seek fast medical attention after a car accident.

What is an Emergency Medical Condition?

An emergency medical condition requires to qualify for PIP coverage. According to Florida law, following points define the emergency medical condition:

• An injury that put the health and well-being of a person in danger.
• Any major damage to the body part
• Serious injury to an organ