The 14-Day Warning: Under Florida law, you must receive medical treatment within 14 days of a car accident to access your Personal Injury Protection (PIP) insurance benefits. Waiting even 15 days forfeits up to $10,000 in medical coverage.
2 Reasons Delaying Medical Care Ruin Your Health and Claim
Even if you walk away from a crash feeling fine, skipping an immediate medical evaluation is one of the most dangerous decisions you can make.
1. Hidden Injuries Don’t Show Symptoms Right Away
Severe medical conditions like traumatic brain injuries (TBI), internal bleeding, and soft-tissue spinal damage often produce no immediate pain due to adrenaline.
- Emergency responders and physicians can diagnose internal trauma before symptoms escalate.
- Immediate medical intervention prevents permanent physical damage and creates a documented timeline of your injuries.
2. Insurance Companies Will Deny Your PIP Claim
Florida is a no-fault insurance state requiring all drivers to carry $10,000 in Personal Injury Protection (PIP). However, insurance adjusters actively search for reasons to deny payouts.
- The “Failure to Mitigate” Trap: If you wait weeks to see a doctor, the insurance company will argue that your injuries were caused by something else after the crash, or that you allowed them to worsen through negligence.
- Out-of-Pocket Costs: Denied PIP claims leave you personally responsible for thousands of dollars in emergency room and therapy bills.
What to Do If Your Insurance Claim Is Being Unfairly Denied
Insurance providers often blame crash victims for delayed treatment; even when you did everything in your power to get help. You shouldn’t be left with massive medical bills because an adjuster refuses to pay what you are owed.
Fight Back with Coral Springs Injury Attorneys
At Reinfeld Cabrera Tison, our legal team fights aggressive insurance companies to protect your rights. Whether you need help securing your full PIP coverage or filing a fault-based lawsuit against the negligent driver, we are ready to step in.
- Free Case Evaluation: Call us today to speak with our team.
- We Come to You: We will travel to your home, office, or hospital room anywhere in South Florida.
