Why the First 14 Days After a Florida Car Accident Are Critical for Your Case

After a car accident, your adrenaline is high. You might feel shaken up but assume you are fine, or perhaps you think that stiff neck will go away after a few days of rest. However, in Florida, waiting to see a doctor is not just a risk to your health. It is a risk to your wallet.

Florida is a No-Fault state, which means your own insurance is responsible for covering your initial medical bills through Personal Injury Protection (PIP), regardless of who caused the crash. You can read more about how this works on the Florida Department of Financial Services website. But there is a catch that insurance companies often hope you miss.

The Clock Starts Ticking Immediately

Under Florida law, you must seek medical attention within 14 days of your motor vehicle accident to be eligible for your full $10,000 in PIP benefits. If you wait until day 15, your insurance provider can legally deny your claim for coverage entirely. That means you could be left paying thousands of dollars in medical bills out of pocket, even if you have been paying your premiums for years.

What Counts as Medical Attention?

You do not necessarily need to go to the Emergency Room if your injuries do not feel life-threatening, but you do need to see a qualified medical provider. This can include:

• A primary care physician
• An urgent care clinic
• A dentist (for jaw pain or impact injuries)
• A chiropractor

The most important thing is creating an official medical record that links your car accident injuries directly to the date of the crash.

Why You Need a Lawyer Before You Talk to Insurance

Even if you meet the 14-day deadline, insurance adjusters are trained to minimize payouts. They may argue that your injuries were pre-existing or not as severe as you claim.

At Tollinchi Law, we understand the tactics insurance companies use because we see them every day. We handle the paperwork and the negotiations so you can focus on healing.

Steps to Take Today

1. Seek Medical Care: If you have not seen a doctor yet and you are within the 14-day window, go today.
2. Document Everything: Keep photos of your vehicle, the accident scene, and any visible injuries.
3. Call Tollinchi Law: Do not give a recorded statement to any insurance company until you have spoken with us.

If you or a loved one has been injured in a crash, contact us immediately. We are here to ensure you get the compensation you deserve.