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In Florida, you have 14 days from the date of the accident to seek medical attention for injuries. If you fail to do so, you will not be entitled to PIP benefits. However, you may still be able to file a personal injury lawsuit for compensation.
However, effective March 24, 2023, Fla. Stat. 95.11, was changed to lower the statute of limitations for negligence claims from four years down to half of that time or two years.
PIP insurance pays 80% of crash-related medical costs, up to the $10,000 PIP limit per covered person, for things like ambulance rides, hospital bills, doctor visits, dental work and more. You must receive initial care within 14 days of an accident for medical expenses to be covered. Lost wages and services (60%).
Florida Statute 627.736 was passed in 2012, and became law in 2013. It is a law that requires drivers to carry whats known as Personal Injury Protection insurance, that provides both medical coverage and loss of work coverage, no matter who is at fault for the accident.
(a) A physician, hospital, clinic, or other person or institution lawfully rendering treatment to an injured person for a bodily injury covered by personal injury protection insurance may charge the insurer and injured party only a reasonable amount pursuant to this section for the services and supplies rendered, and
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Florida Statute 627.736(6)(b) states in part, every physician, hospital, clinic, or other medical institution providing, before or after bodily injury upon which a claim for personal injury protection insurance benefits is based, any productions, services, or accommodations in relation to that or any other injury, or
First, the personal injury statute of limitations has been reduced to two years down from four years. This might not seem like a big deal, but many personal injury claims have to go through a very long, highly investigative process.
New Requirements for Florida Drivers If passed, the new PIP law Florida changes will require drivers to show proof of mandatory bodily injury coverage before they may register a motor vehicle with the State.

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