Switch to ADA Accessible Theme Close Menu
Florida Personal Injury Lawyers

Catastrophic motorcycle accident resulted in a jury verdict.


Auto accident, multi-car crash


Auto accident involving defective airbag


Death resulting from hospital turning away patient


Auto accident involving tractor trailer


Auto accident involving a work vehicle


Slip and fall at a hotel bathroom


Auto accident involving pedestrian. $115,000 in litigation instead of $15k presuit offer

Call: 844-200-0000
Free Initial Consultation
Do you opt in to being contacted via SMS texting or phone call?
protected by reCAPTCHA Privacy - Terms

Your PIP Insurance Policy and the 14-Day Rule


Because Florida is a no-fault state, your auto insurance company must provide coverage for your medical bills, lost wages, and other related expenses whenever you are injured in a car accident. That coverage is limited by the terms of your insurance policy, but the minimum coverage that you must purchase is $10,000. (Note that your injury might not qualify for the full $10,000 payout. It depends on the severity of your injuries.)

One important caveat to receiving compensation under your insurance policy is that you must receive medical treatment within 14 days of the accident.

Personal Injury Protection

The Personal Injury Protection (PIP), or no-fault, system is designed to reduce personal injury litigation. Negligent drivers who might otherwise be legally responsible for accident-related damages are exempt from tort liability to the extent that those damages are covered by the injured party’s insurance. If the insurance doesn’t pay for all of those damages then the injured party may bring a personal injury lawsuit.

But injured parties are not eligible for benefits at all if they don’t seek medical benefits within the 14-day timeframe.

Who Is an Eligible Healthcare Provider?

The injured party must receive initial healthcare services and care from an eligible healthcare provider. But qualifies as an eligible provider?

The most obvious answer is an emergency room or other licensed person or entity that provides emergency transportation and treatment. That’s the likely scenario for someone who suffered an obvious injury like a broken leg. Some injuries, though, don’t manifest immediately, and when you start experiencing symptoms you might not need to go to an emergency room. Florida law provides for that scenario as well, which is why you may also receive initial treatment from a licensed physician, dentist or chiropractor.

The healthcare provider who initially treats you may refer you to another provider for follow-up care. Any treatment that you receive for that underlying medical diagnosis from a licensed physician, dentist or chiropractor may also be covered under your PIP policy. Other persons or entities that may provide follow-up services include:

  • Licensed hospitals or ambulatory surgical centers,
  • Licensed physical therapists, but only upon referral, and
  • Accredited health care clinics.

Call your insurance provider if you have questions about eligible healthcare providers under your PIP policy. But if you experience a medical emergency seek medical attention immediately.

Non-Economic Damages

Your PIP policy doesn’t cover damages for pain and suffering and other non-economic damages. However, injured plaintiffs who meet the “serious injury” threshold may file a personal injury lawsuit seeking such damages from the responsible party. Florida car accident plaintiffs may recover damages for pain and suffering, mental anguish, and inconvenience caused by bodily injury if the injury consists of:

  • Significant and permanent loss of an important bodily function;
  • Permanent injury within a reasonable degree of medical certainty (this does not include minor scarring or disfigurement);
  • Significant and permanent scarring or disfigurement; and/or
  • Death.

An experienced attorney can help determine if your injury meets this threshold.

Contact Us Today

Contact a Miami personal injury attorney at The Pendas Law Firm today for a free consultation if you have been injured in a car accident. We will assist you with any insurance disputes that arise and help you seek additional compensation if your injuries are not covered by your insurance policy.

The Pendas Law Firm also represents clients in the Fort Lauderdale, West Palm Beach, Orlando, Jacksonville, Fort Myers, Tampa, Daytona Beach and Bradenton areas.





Read What Others Have To Say About Us

  • “I can’t express how much I appreciate this law firm. I had the honor to deal with attorney Daniel. He kept me updated on my case. I couldn’t ask for a better law firm. Daniel fought for me til the end and got me what I deserved. Thanks Daniel and your team for always being there to answer any of my questions. If I ever need a law firm again...”

    Terry Mcphillips
  • “Speedy & superb handling of clients & cases, kind & caring. Highly recommended professionals. They made everything very easy for us, were outgoing & polite. I would call them again if ever in need, rather than call the larger firms that need to advertise & brag about winnings…Pendas was a pleasant & more personal approach instead of...”

    Joseph Kestell
  • “Wow I called Pendas Law Firm the other day at their main intake line it was around 11 o’clock at night and I’ve got this wonderful representative his name was Jeffrey Alvarez. This guy was very professional and his compassion was out of this world I don’t know what I would do if I could not have got a hold of him...”

    Luis Sanchez
  • “Thank you for helping us in our time of need. This firm handled my father’s workers comp case, and helped us with every question we had, and we had a plenty. Thankful for the entire legal team!”

    Enilno Resu
  • “I just concluded a case with attorney Michael Sanchez and paralegal Camilo Lopez. I can only say they are exceptional. The customer service is unique, they have been battling alongside me since day 1. They are not only courteous and professional, but they also are amazing at their job. Thanks to them I got a great deal. I am glad I decided to use their services...”

    Israel Garcia
  • “Their attorneys are absolutely someone you want handling your car accident claim. They communicated with us promptly and thoroughly. I was very happy with our recovery. Already recommended them to others in the same circumstances, their staff speaks Spanish and you feel like in family.”

    Ian Brito
  • “Very Professional law firm. They explained to you every detail what to do according to the laws (worker’s compensation). Mr. Danilo Cruz is the best Lawyer and his team. They are very kind, friendly, responsible, I love this firm. They fight for their clients. AwesomeTeam!”

    Lau Rod