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14 Day Personal Injury Protection Rule

If you've been injured in a car accident, Florida law states that you have 14 days to seek medical attention to qualify for PIP coverage. At Meyer Medical and Chiropractic in Orlando, we specialize in personal injury chiropractic care. We can help you with any injuries resulting from your accident. 

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What is Florida PIP

PIP stands for personal injury protection. Florida PIP is a type of auto insurance all drivers are required to have in the state. If you are involved in an auto accident, PIP will cover injury-related expenses, regardless of who is at fault in the accident. Coverage amounts vary, but the minimum coverage is $10,000. However, certain requirements must be met to be eligible for PIP coverage. The coverage will pay 80% of injury-related expenses, including medical care, up to the coverage limit. 

The 14-Day Rule

The 14-day rule states that if you are involved in an accident, you must receive medical care within 14 days to qualify for the full amount of a PIP claim. It is found in statute 627.736. There are certain conditions and exceptions to the law that provide for extenuating circumstances. After 14 days, you are only eligible for $2,500 in coverage. It's best to seek care immediately or within 24 hours of the accident, for your health and safety. Some auto accident injuries are not immediately apparent, including whiplash and concussions. However, these injuries should be evaluated by a medical professional. An accident can also result in bruises, broken bones, internal injuries, and spinal injuries. Delaying care can make recovery more difficult. 

What is an Emergency Medical Condition?

To qualify for PIP, you must be diagnosed with an emergency medical condition. This is a legal term that means not seeking medical attention could harm your health. More specifically, it is defined as a medical condition that manifests acute symptoms of sufficient severity, including severe pain, that lack of medical care can be expected to result in:

  1. Serious jeopardy to patient health
  2. Serious impairment of bodily function
  3. Serious dysfunction of any bodily organ or part

Since specific injuries or conditions are not listed, it's generally up to a qualified medical professional to determine if your injury meets these guidelines. A physician, dentist, advanced nurse practitioner, or physician's assistant can make this determination. While a chiropractor cannot make the determination, they often work closely with other medical professionals to file PIP claims for their patients. 

Chiropractor in Orlando

If you are injured in Orlando, contact Meyer Medical and Chiropractic. Our skilled chiropractor specializes in personal injuries. Chiropractic care can cause pain in many areas of the body, and visiting the chiropractor can provide the relief you need. Once you've healed from the injury, periodic visits will keep you functioning optimally. For more information or to schedule an appointment, call us at (407) 445-4500.