Free Interactive Tool
Florida 14-Day PIP Deadline Checker
Florida gives you 14 days from a crash to get initial medical care. Miss it and your insurer can deny PIP entirely — even for a serious injury. Enter your crash date to see exactly where you stand, whether the provider you saw qualifies, and what to do next. Free, instant, and no information about you is collected or stored.
Step 1
What date was the crash?
Florida 14-Day Rule Questions
What is the Florida 14-day rule?+
Under FL § 627.736(1)(a), you must receive initial services and care within 14 days of a motor vehicle accident to be eligible for PIP medical benefits. The clock runs continuously from the date of the crash — weekends and holidays included — and there is no exception for symptoms that appear later.
What happens if I missed the 14-day deadline in Florida?+
Your insurer can deny PIP medical benefits entirely. Florida's statute does not provide an exception for a reasonable explanation, and courts have been unsympathetic absent true incapacity. However, missing the PIP window does not end your case: your claim against the at-fault driver is completely separate and is governed by the statute of limitations, not the 14-day rule. Health insurance, MedPay, or a letter of protection may also cover treatment PIP will not.
Does seeing a chiropractor satisfy the 14-day rule?+
Yes — a chiropractic physician licensed under chapter 460 can provide the initial services and care that stops the 14-day clock. But a chiropractor cannot make the emergency-medical-condition determination. Without an EMC finding from an MD, DO, physician assistant, dentist, or APRN, your PIP medical benefits stay capped at $2,500 rather than the full $10,000.
Does a massage therapist count for the 14-day rule?+
No. Massage therapy and acupuncture are expressly excluded from PIP reimbursement and do not satisfy the initial-care requirement on their own. If a massage therapist is the only provider you have seen, the 14-day clock is still running.
Does the 14-day clock start on the day of the crash or the day after?+
The statute measures 14 days after the motor vehicle accident, so the crash date itself is day zero and the deadline falls 14 days later. This tool uses that calculation. Because the difference between interpretations can be a single day, do not treat a result that lands right on the deadline as a reason to wait — get seen immediately.
I went to the ER the night of the crash. Am I covered?+
An emergency room visit, hospital admission, or ambulance transport satisfies the 14-day requirement, and an ER physician can make the emergency-medical-condition determination that unlocks the full $10,000. Keep the discharge paperwork — PIP denials are often paperwork problems rather than medical ones.
Related: How much will PIP pay? (calculator) · Florida no-fault & PIP explained · What to do after a Florida car accident · Statute of limitations calculator
Disclaimer
Not legal advice. This tool is provided for general informational and educational purposes only and does not constitute legal advice. It cannot account for every fact, exception, or nuance that may affect your specific situation. Using this tool, or submitting information through it, does not create an attorney-client relationship with HOV Law.
Estimates only — not a guarantee. Any figures, dates, or outcomes this tool generates are estimates based on the general rules of Florida law and the information you enter. They are not a valuation, settlement offer, guarantee of coverage, or prediction of how an insurer, court, or jury will resolve your case. Actual results depend on facts, evidence, and legal arguments this tool cannot evaluate.
Laws change. Statutes, deadlines, and dollar amounts referenced in this tool reflect Florida law as HOV Law understands it at the time of publication and are subject to change by the Florida Legislature or the courts. Verify current law or consult an attorney before relying on any result.
This tool does not determine whether a specific visit satisfied the initial-care requirement, whether you have an emergency medical condition, or whether an insurer will pay a particular claim. Those depend on how your provider is licensed, how the visit was documented and billed, and your policy terms. If your 14-day window is closing or has closed, speak to an attorney immediately rather than relying on this result.
For advice about your specific situation, contact HOV Law for a free, confidential consultation.