Florida PIP and the 14-day initial-care rule, in plain language

What the statute says, in general

Section 627.736 of the Florida Statutes governs personal injury protection (PIP) benefits. As currently written, it generally provides that PIP medical benefits cover initial services and care that are lawfully provided, supervised, ordered, or prescribed within 14 days after the motor-vehicle accident. The full text is linked in the official sources section below.

What depends on your facts and your policy

The 14-day timing rule is one piece of a longer statute. It does not, on its own, answer:

• whether you are eligible for PIP benefits under a particular policy;
• how much may be paid, or which limits apply;
• whether a condition counts as an emergency medical condition under the statute;
• whether an exclusion applies; or
• how PIP interacts with other insurance or any other claim.

Those questions depend on the facts and the policy language. Your insurer can explain your policy, and a licensed Florida lawyer can advise on how the law applies to you.

Practical notes for your own records

• The date of the accident, and the date of any care you received afterward.
• The name of each provider you saw, kept in your own files.
• Which insurer you reported the crash to, if any, and when.

A simple dated list is enough. For more on organizing records, see keeping Florida injury information together.

If you submit an intake request

The Florida car accident intake page asks for the county, the date, whether care was received, and whether you already have a lawyer. We review non-legal intake factors only, and we do not assess coverage, PIP eligibility, or claim value. If a participating Florida lawyer is eligible and available, your request may be introduced to that lawyer, who decides independently whether to contact you. Contact is not guaranteed or immediate.