{"id":708,"date":"2017-05-04T19:24:32","date_gmt":"2017-05-04T19:24:32","guid":{"rendered":"https:\/\/fiolinjurylaw.wpenginepowered.com\/blog\/what-is-floridas-14-day-rule-in-pip\/"},"modified":"2026-01-07T23:23:28","modified_gmt":"2026-01-08T04:23:28","slug":"what-is-floridas-14-day-rule-in-pip","status":"publish","type":"post","link":"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/","title":{"rendered":"\u00bfEn qu\u00e9 consiste la regla de los 14 d\u00edas en el programa PIP de Florida?"},"content":{"rendered":"\n<p>It can be difficult to navigate <a href=\"\/is-florida-still-a-no-fault-state-2019\/\">Florida\u2019s no-fault auto insurance laws<\/a>. One issue that often arises after a collision is Florida\u2019s 14-day rule in personal injury protection (PIP) insurance. It\u2019s very important to understand the 14-day rule as a crash victim. Otherwise, you could face major hurdles in trying to secure benefits \u2013 or lose your right to compensation entirely. Here\u2019s a breakdown of how the personal injury protection rule works.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/#What_Is_Floridas_14-Day_Rule\" >What Is Florida's 14-Day Rule?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/#Why_Does_the_14-Day_Rule_Exist\" >Why Does the 14-Day Rule Exist?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/#Do_I_Need_Immediate_Medical_Attention_After_An_Accident\" >Do I Need Immediate Medical Attention After An Accident?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/#Contact_Our_Tampa_Accident_Lawyers_Today\" >Contact Our Tampa Accident Lawyers Today<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_Floridas_14-Day_Rule\"><\/span>What Is Florida's 14-Day Rule?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You must obtain medical care within 14 days if you suffer injuries in a traffic accident in Florida, or else run the risk of your insurance company denying your claim. <a href=\"http:\/\/www.leg.state.fl.us\/Statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699\/0627\/Sections\/0627.736.html\">Florida Statute 627.736<\/a>, the no-fault insurance law, is the law that requires medical attention within 14 days. Subsection 1a states that an insurance policy must cover at least 80% of a victim\u2019s medically necessary care <em>as long as<\/em> the individual receives the initial medical services and care within 14 days after the accident. The types of benefits you can obtain if you comply with the 14-day personal injury protection rule include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to $10,000 in medical and disability benefits<\/li>\n\n\n\n<li>Up to $5,000 in death benefits<\/li>\n\n\n\n<li>Up to 80% coverage for surgeries, x-rays, and rehabilitative services<\/li>\n\n\n\n<li>Up to 80% coverage for ambulatory fees, hospital visits, and nursing care<\/li>\n<\/ul>\n\n\n\n<p>A claimant must fulfill one condition to qualify for these personal injury protection benefits in Florida \u2013 going to the doctor within two weeks of the accident. Failing to receive medical attention and services within 14 days after the auto accident gives your insurance company the right to deny medical benefits. The law permits insurance companies to withhold compensation for medical care if the policyholder does not receive medical care within the time limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Does_the_14-Day_Rule_Exist\"><\/span>Why Does the 14-Day Rule Exist?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Florida\u2019s 14-day rule exists for many reasons. For one, it is an effort to stop insurance fraud. For example, the 14-day rule would allow an auto insurance company to deny medical benefits if someone injures his neck while jumping on a trampoline but tries to blame the injury on a car accident that happened a month ago. Prompt medical care is the best way to diagnose an injury accurately.<\/p>\n\n\n\n<p>Waiting to receive medical care can also exacerbate an injury, leading to an increase in costs for the insurance company. The rule can result in lower costs for insurance coverage in Florida, as insurance companies can minimize the costs of medical care by requiring prompt treatment. The 14-day rule came about in 2013, along with several other changes to Florida\u2019s insurance laws.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_I_Need_Immediate_Medical_Attention_After_An_Accident\"><\/span>Do I Need Immediate Medical Attention After An Accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It\u2019s always important to seek immediate medical care after a car accident \u2013 not just for insurance purposes. Failing to see a doctor right away can worsen your prognosis for recovery. Injuries such as those to the brain or organs require prompt medical attention for the best chance of healing.<\/p>\n\n\n\n<p>Go to the hospital for a checkup even if you don\u2019t think you have any injuries. Many injuries can have delayed symptoms, including traumatic brain injuries and back\/neck injuries. Go to the hospital right away no matter what type of injury you\u2019ve sustained. In Florida, you must go to the hospital and a physician must diagnose you with an \u201cemergency medical condition\u201d within 14 days to receive personal injury protection insurance benefits. Otherwise, you will not be eligible for PIP coverage.<\/p>\n\n\n\n<p><p>The insurance law does not, however, restrict the place in which a victim seeks medical attention.&nbsp; You can elect to wait and see your own doctor, as long as your appointment remains within the 14-day window. Note that acupuncturists and massage therapists no longer qualify as healthcare providers under Florida law as of 2013.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Contact_Our_Tampa_Accident_Lawyers_Today\"><\/span>Contact Our Tampa Accident Lawyers Today<span class=\"ez-toc-section-end\"><\/span><\/h2><\/p>\n\n\n\n<p><p>For more information on car insurance laws in Florida, please get in touch with one of our <a href=\"https:\/\/www.fiolinjurylaw.com\/tampa-personal-injury-lawyer\/\">Tampa personal injury&nbsp;lawyers<\/a>. and <a href=\"\/wesley-chapel-personal-injury-lawyer\/\">injury lawyers in Wesley Chapel<\/a>.<\/p>\n<p><script type=\"application\/ld+json\"> {   \"@context\": \"https:\/\/schema.org\",   \"@type\": \"FAQPage\",   \"mainEntity\": [{     \"@type\": \"Question\",     \"name\": \"What Is Florida's 14-Day Rule?\",     \"acceptedAnswer\": {       \"@type\": \"Answer\",       \"text\": \"You must obtain medical care within 14 days if you suffer injuries in a traffic accident in Florida, or else run the risk of your insurance company denying your claim. 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Otherwise, you could face major hurdles in trying to secure benefits \u2013 or lose [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-708","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is Florida\u2019s 14-Day Rule in PIP?<\/title>\n<meta name=\"description\" content=\"Understand Florida\u2019s 14\u2011day PIP rule: why you must seek medical care within two weeks of a car accident to qualify for Personal Injury Protection benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Florida\u2019s 14-Day Rule in PIP?\" \/>\n<meta property=\"og:description\" content=\"Understand Florida\u2019s 14\u2011day PIP rule: why you must seek medical care within two weeks of a car accident to qualify for Personal Injury Protection benefits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fiolinjurylaw.com\/es\/blog\/what-is-floridas-14-day-rule-in-pip\/\" \/>\n<meta property=\"og:site_name\" content=\"Fiol &amp; 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