The short answer
Call 911, see a doctor before day 14, and keep every record. Those three things protect PIP and the evidence a later claim will be built on. The two-year filing deadline gives you time, but the first two weeks do not.
The checklist
Day by day, the first two weeks
Tap an item to tick it off. The ring at the top keeps count.
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After the first two weeks
What a typical Florida claim timeline looks like
Every claim moves at its own pace. These are the usual stages, not a promise of how long yours will take.
- Weeks 1 to 4 Treatment and records PIP pays medical bills as they come in. The crash report and photos settle the early facts.
- Months 1 to 3 The injury picture forms Whether the injury is permanent usually takes time and follow-up care to show.
- Months 3 to 9 Demand and negotiation If the threshold is met, a demand goes to the at-fault driver’s insurer or your UM carrier.
- Months 9 to 18 Settlement or suit Most claims resolve without trial. If not, suit is filed with time to spare.
- 2 years The filing deadline For crashes on or after March 24, 2023.
Common questions
Questions about the first two weeks
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