If I fail to treat within 14-days after my accident – can I still use the full $10,000 in PIP benefits to pay my medical providers? Unfortunately, Fla. Stat. 627.736 says “no” and this “no” is not negotiable.
Recall that in my prior article, I explained that PIP benefits are not automatically paid directly to the injured claimant following an accident (with exceptions), pursuant to Fla. Stat. 627.736. Rather, PIP benefits are most commonly used to pay medical providers for treatment received after an accident. Now that we have debunked the misconception that injured claimants automatically receive $10,000 following an accident, it is important to be aware of the 14-day rule relating to medical treatment and PIP benefits. In order to fully appreciate the importance of this 14-day rule, consider the following example:
You carry $10,000 in PIP coverage. You pay a premium for your $10,000 in PIP coverage, hoping you never need it. Unfortunately, you find yourself involved in an accident and have injuries. Due to other commitments and obligations, you neglect to visit a doctor within 14-days of your accident. On the 15th day, you visit a chiropractor, informing the chiropractor that you were in an accident and providing your insurance information. You mistakenly believe that PIP will pay up to 80% of the provider’s bill, leaving you with (hopefully) a small 20% payment. Your provider submits their bill to your PIP carrier and the claim/bill is denied, leaving you confused and nervous. What went wrong? Unfortunately, this is a common situation that could have potentially been avoided, had you sought treatment within 14-days. Continue reading “What Happens If I Fail to Get Medical Treatment within 14 Days?”