Florida Rules Worth Knowing Before You Start Care
Florida is a no-fault state, which means your own Personal Injury Protection (PIP) coverage is usually your first source of payment for crash related medical care. Three points come up most often:
- Timing matters. Under Florida Statute 627.736, PIP medical benefits apply only if you receive initial services and care within 14 days after the accident.
- Coverage has limits. The statute provides up to $10,000 in medical and disability benefits. Medical benefits pay 80 percent of reasonable expenses, and lost income is paid at 60 percent. If a provider determines you did not have an emergency medical condition, medical reimbursement is capped at $2,500.
- Some therapies are excluded. Massage therapy and acupuncture are not covered as PIP medical benefits under the statute.
If your injury leads to a claim against another party, the filing deadline also matters. Under Florida Statute 95.11, an action founded on negligence must generally be commenced within two years. Deadlines can depend on the facts of a case, so speak with a licensed Florida attorney about yours. We are a health care provider and cannot give legal advice, but we can provide the medical records your attorney or insurer may request. For more plain language answers on PIP, whiplash, and workers’ compensation, visit our injury FAQ.