The Florida Fourteen Day Rule
If you are injured in a car accident in Florida, never delay getting medical care for injuries. The Florida fourteen-day rule requires that any injury caused by an auto accident receive medical care within fourteen days of the accident, or it may not be covered under your personal injury protection insurance. This rule can make a big difference in what is covered by an auto insurance policy, whether it is a no-fault accident or caused by the negligence of another driver.
Why Is There a Fourteen Day Rule?
The fourteen-day rule is listed under Florida Statutes 627.736, which gives the requirements in Florida for personal injury protection in liability auto insurance. Generally, the statute states that medical benefits of 80% of reasonable, necessary medical costs need to be covered under personal injury protection up to $10,000.00but the injured person must seek initial medical care within fourteen days of the accident. This rule is in place for a few reasons, including:
- To ensure the injury was caused by the vehicle accident
- To minimize chances of insurance fraud
- To reduce the cost of the injury – delaying medical care can cause more severe injuries
Seek Immediate Medical Care for Auto Accident Injuries
Since the fourteen-day rule exists in Florida, it is important that anyone who believes they are injured from an auto accident receive medical care immediately. Some musculoskeletal injuries like whiplash may not cause pain immediately but can have long-lasting effects. Other serious injuries like traumatic brain injury or TBI may also not have immediate side effects. It is always best to see a physician for an exam after a serious auto accident to ensure you get the tests and evaluation needed.
At Tison Law Group, we offer experienced legal representation to our clients who have been injured in auto accidents. We can help you pursue a personal injury claim for medical expenses, lost income and other damages caused by an auto accident. Contact our office in Tampa Bay to schedule a free consultation to discuss your accident injury claim.