How Long Do I Have to See a Doctor After a Car Accident in Florida?
If you were recently in a car accident in Florida, one of the most important steps you should take is to seek medical attention. Not only is this vital for your health and well-being, but it is also critical for protecting your rights to compensation under Florida’s no-fault insurance laws. Knowing how long you have to see a doctor after a car accident can make a significant difference in your case.
At High Stack Law, our dedicated Florida car accident attorneys can help you follow all of the necessary requirements for your civil case. We can help with PIP insurance mandates and in helping you pursue the compensation you deserve.
Florida’s 14-Day Rule for Medical Treatment
Florida law requires that individuals involved in car accidents seek medical treatment within 14 days of the accident. This is often referred to as the “14-Day Rule.” Failing to do so may result in the denial of your Personal Injury Protection (PIP) benefits.
PIP insurance is mandatory in Florida and is designed to provide up to $10,000 in coverage for medical expenses, lost wages, and other accident-related costs regardless of who was at fault. However, if you do not seek medical care within the 14-day window, your insurance company may refuse to pay for these expenses, leaving you responsible for the costs.
Why Seeking Immediate Medical Attention Is Important
Even if you feel fine immediately after the accident, some injuries, such as whiplash, concussions, or internal injuries, may not present symptoms right away. Delaying medical attention can allow these conditions to worsen and complicate your recovery.
Moreover, prompt medical treatment creates a clear record of your injuries, which can be essential if you need to file a claim or take legal action. Insurance companies and courts often view delays in treatment as evidence that your injuries were not serious or related to the accident.
What Counts as “Medical Treatment”?
Under Florida law, seeking treatment from certain licensed healthcare providers counts as meeting the 14-day requirement. These providers include:
- Physicians (MDs and DOs)
- Chiropractors
- Dentists
- Hospitals or emergency room services
- Advanced registered nurse practitioners
It is also important to follow any recommended follow-up treatments or therapies to ensure that your recovery is well-documented.
What Happens If You Miss the 14-Day Deadline?
Missing the 14-day window to see a doctor can significantly impact your ability to receive compensation through your PIP insurance. Without medical documentation, it becomes challenging to prove that your injuries were caused by the car accident, leaving you to cover medical expenses out of pocket.
That said, if you’ve missed the deadline but still believe you have a valid claim, consult with a personal injury attorney as soon as possible. They can evaluate your case and determine if there are any exceptions or alternative options for pursuing compensation.
Additional Deadlines to Keep in Mind
In addition to the 14-day rule, there are other important deadlines to be aware of if you are involved in a car accident in Florida:
- Statute of Limitations: Florida law generally allows up to two years from the date of the accident to file a personal injury lawsuit. This deadline was reduced from four years as of March 2023. Failing to file within this timeframe typically results in losing your right to pursue compensation.
- Insurance Claims: While there is no strict deadline for notifying your insurance company after an accident, it is best to report it as soon as possible. Most insurance policies include clauses requiring prompt notification of claims.
Seek Medical Treatment Promptly After a Florida Car Accident
The 14-day rule imposes a strict requirement that you get treatment or risk losing your right to compensation. If in doubt, get medical treatment and get it right away.
Speak with the Florida car accident lawyers at High Stack Law for help. Contact us today for a consultation of your case.