You already paid for it
Personal Injury Protection is mandatory coverage on Florida auto policies. It is part of your own insurance.
FLORIDA PIP BENEFITS — THE 14-DAY RULE
Your Florida policy may provide up to $10,000 in PIP benefits.
Florida PIP can provide medical and disability benefits after a crash, subject to policy terms and legal requirements. Initial medical care generally must begin within 14 days.
YOUR POTENTIAL PIP BENEFITUP TO $10,000
Enter your crash date to check the general 14-day window. Coverage depends on your policy, care, and circumstances.
PIP DEADLINE CHECKFL-PIP / 14
Free. Private. No obligation.THE COVERAGE YOU ALREADY OWN
What is PIP?
What it covers
Generally 80% of reasonable medical expenses and 60% of lost wages, up to the policy limit—usually $10,000.
The catch inside the catch
Initial care must begin within 14 days. Without a provider finding an “emergency medical condition” (EMC), benefits may be limited to $2,500—not the full $10,000.
COMMON MONEY LEAKS
How people lose their $10,000
Waiting too long
No initial medical care within 14 days can eliminate PIP medical benefits.
No EMC documentation
Without the right medical finding, benefits can be capped at $2,500.
Gaps in treatment
Long unexplained gaps give insurers room to question whether care relates to the crash.
Signing away rights
A quick release or settlement can close claims before the full harm is known.
2-MINUTE MONEY CHECK
Is your $10,000 still protected?
Answer six plain questions. If your situation may need legal help, you can ask us to share your inquiry with one participating Florida firm.
BEYOND PIP
What could the rest of my case be worth?
PIP is insurance coverage—not a pain-and-suffering settlement. A separate claim may depend on these facts.
Medical treatment
Type, length, and cost of care — surgeries, injections, and ongoing treatment typically raise case value.
Lost work and income
Missed paychecks, reduced hours, and any hit to your future earning ability all count toward a claim.
Fault percentage
Florida reduces recovery by your share of fault — and more than 50% can bar an injury claim entirely.
Available insurance
Real-world settlements are shaped by the at-fault driver’s bodily-injury limits and any UM coverage you carry.
FAQ
Straight answers about your money
Is this my money or a settlement?
PIP is coverage you bought through your auto policy. It primarily pays covered medical bills and lost wages; it is not automatically a cash settlement to you.
Do I need a lawyer for PIP?
Not always. But billing disputes, denied benefits, serious injuries, or a broader injury claim can make legal review useful.
What if I feel fine?
Some crash injuries appear later. Only a medical professional can evaluate you, and Florida's 14-day rule still runs from the crash date.
Can I get PIP if the crash was my fault?
Yes. Florida PIP is “no-fault” coverage, so it generally applies regardless of who caused the crash, subject to policy terms and legal requirements.
Who are you?
14DayPIPRule is a Florida PIP information and information service, not a law firm.
WHY WE BUILT THIS
The 14-day rule should not be a surprise.
We make Florida's PIP clock easier to understand before time runs out.
— The 14DayPIPRule Team