Car Accident Attorney Near Me
If you’ve been involved in a car accident in Florida, you must be aware of the “14-day rule” or the “14-day accident law.” This crucial legislation, outlined in Florida Statute 627.736, can significantly impact your ability to receive compensation for your injuries. As Orlando’s trusted personal injury attorneys, Todd Miner Law is here to explain this law and help you navigate its implications.
Understanding Florida’s 14-Day Accident Law: What You Need to Know
The Florida 14-day accident law, also known as the 14-day PIP rule, is a provision within Florida’s Personal Injury Protection (PIP) insurance system. According to Florida Statute 627.736(1)(a), individuals involved in auto accidents must receive initial medical services and care within 14 days of the incident to be eligible for PIP benefits.
Key Points of the Law:
- Coverage Limit: The law provides, in pertinent part, up to $10,000 in medical benefits.
- Medical Benefits: PIP covers 80% of all reasonable expenses for medically necessary services if the individual receives initial services within 14 days after the accident.
- Eligible Providers: Initial services must be provided by specific licensed professionals, including physicians, dentists, chiropractors, or advanced practice registered nurses, or in a hospital or hospital-owned facility.
- Follow-up Care: Follow-up services can be provided by a range of healthcare professionals and facilities.
- Emergency Medical Condition: If a qualified medical professional determines the injured person had what the law defines as an emergency medical condition, reimbursement can be up to $10,000. Without this determination, reimbursement is limited to $2,500.
- Exclusions: The law specifically excludes massage therapy and acupuncture from medical benefits. These two therapies we once covered under PIP but were excluded when the law changed.
What Happens If I Miss the 14-Day Window?
If you fail to receive medical attention within 14 days of your accident, you may lose your right to PIP benefits. This means you could potentially be responsible for all your medical bills, even if you have PIP coverage. However, this doesn’t necessarily mean you’re out of options. You may still be able to:
- Hire an experienced personal injury attorney to pursue a claim against the at-fault parties.
- Seek compensation through other insurance policies.
What is the 14-day rule in Florida?
The 14-day rule requires accident victims to receive medical attention within 14 days of their car accident to be eligible for PIP benefits.
What am I entitled to after a car accident in Florida?
Depending on your specific insurance coverage, you may be entitled to medical expenses, lost wages, and other related costs through your PIP insurance, as per section 627.736 of the 2024 Florida Statutes. Additional compensation may be available if another party is at fault, including for pain and suffering.
How long after an accident can you claim compensation?
Personal injury lawsuits in Florida typically have a statute of limitations of two years from the date of the accident or discovery of the injury.
What happens if you don't report an accident within 24 hours in Florida?
Failing to report an accident promptly can complicate your claims process and potentially affect your eligibility for certain benefits. It’s always best to report an accident as soon as possible to avoid any issues with your insurance claim.
How Does PIP Coverage Work in Florida?
Florida is a no-fault state, meaning that regardless of who caused the accident, your own PIP insurance is the primary source of coverage for your injuries. Here’s a breakdown of what PIP typically covers:
- 80% of necessary medical expenses.
- 60% of lost wages.
- $5,000 in death benefits.
Best Auto Accident Lawyer Near Me
Call Todd Miner Law Today for a Free Consultation About Your Accident
Imagine you’re dealing with a persistent injury after a car accident, but your insurance company is denying your claim because you missed the 14-day window. Our team of former insurance company attorneys can step in and fight to get you the benefits you’re entitled to. We understand the tactics insurance companies use to minimize payouts and are prepared to counter them effectively. If you’ve been in an accident in Orlando or anywhere in Central Florida, don’t wait to seek help. Contact Todd Miner Law online or call us at 407-955-5640 for a free case evaluation.
