Florida, no-fault with a 14-day rule
See a doctor inside the window or your own PIP can refuse to pay. Two years to file, not four. Pick your crash date and read the 14-day forecast.
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PIP pays only if initial treatment starts within 14 days of the crash. § 627.736(1)(a).
{{ quiz.seenNote }} Without an emergency medical condition finding, PIP medical benefits are capped at $2,500.
Florida does not require bodily injury liability for most private cars, so this decides which policy can respond.
Check your own policy for uninsured motorist coverage. With no bodily injury liability on the other side, UM is often the only source of recovery beyond PIP.
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Florida lifeguards fly flags so you know the water before you go in. These are the four that decide a Florida crash claim. Tap one.
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Florida front-loads the deadlines. Most of what decides a claim happens in the first two weeks.
Tourists, snowbirds, rental cars and out-of-state policies change which coverage responds. Tap a region.
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Florida requires $10,000 of PIP and $10,000 of property damage liability. Bodily injury liability is not required for most private cars, so the policy on your own car, especially uninsured motorist coverage, often decides what a serious claim is worth.
PIP covers 80% of medical bills and 60% of lost income up to $10,000. To recover for pain and suffering from the driver at fault, the injury has to fit one of four categories, shown by medical evidence. Tap the ones that describe it.
Florida Statutes § 627.737(2)
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Where a page states a Florida rule it names the section of the Florida Statutes, including the 2023 changes that shortened the deadline and added the 51% bar.
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