Florida 14 day PIP Law

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If you have been involved in a an SUV or car accident in the Tampa Bay area call Tampa Personal Injury Attorney, Martin J. Hernandez of Fernandez & Hernandez at 813-229-5353.

Florida 14 day PIP Law

What is the Florida PIP Law and how does it affect me?

As a Tampa Injury Attorney, I can tell you that it can be difficult to navigate Florida’s “no-fault” auto insurance laws and what is this 14-day rule that we hear about on the radio.

One issue that often arises after a collision is Florida’s 14-day rule in personal injury protection (PIP) insurance. It’s very important to understand the 14-day rule as a crash victim. Otherwise, you could face major hurdles in trying to secure benefits – or lose your right to compensation entirely. Here’s a breakdown of how the personal injury protection rule works.

Under the 2013 PIP law change, an accident victim must get “initial services and care” within two weeks of a crash if they want to receive benefits through their PIP coverage. Almost any type of medical attention will meet this requirement, as long as it comes from a qualified health care provider, or a qualified health care provider supervised or prescribed the care.

A qualified health care provider might include:

  •            A medical doctor
  •            A dentist
  •            A chiropractor
  •            An emergency medical technician

It is important to note that seeing a physical therapist, massage therapist, or other care provider not specifically listed in the statute will likely not meet the criteria. Your insurance company will likely deny your claim, and you will not receive benefits. It is always a good idea to go to the emergency department or see your doctor as soon as possible after a crash, both to ensure you are healthy and to meet this qualification as outlined in the Florida PIP 14-day Rule.

In addition to those injured, massage therapists and acupuncturists will no longer be allowed to treat patients under PIP. Even more worrisome to Florida citizens is that the law does not require insurance companies to notify policyholders that changes are forthcoming, effectively pulling coverage away from them without their knowledge or understanding. The new PIP law forces insurance companies to reduce their PIP rates by at least 25% by 2014, but they may petition the government to be excluded from these requirements. As many are receiving exceptions to the law, the changes have a chilling effect of ripping benefits from policyholders and proving a windfall for insurance companies.

The new law also created two different amounts that can be reimbursed to an individual seeking PIP benefits depending on whether that person has been diagnosed with an emergency medical condition. If a physician, osteopathic physician, dentist, physician’s assistant, or advanced registered nurse practitioner has determined that the injured person has an emergency medical condition, then that person will be allowed to obtain the full $10,000.00 in PIP benefits. An emergency medical condition, or “EMC” for shorthand, is defined as a medical condition manifesting itself by acute symptoms of sufficient severity that the absence of immediate medical attention could reasonably be expected to result in serious jeopardy to patient health, serious impairment to bodily functions, or serious dysfunction of a body organ or part. An injured person who is not diagnosed with an emergency medical condition (EMC) will be limited to $2,500.00 in PIP benefits even though the injured persons pays for $10,000.00 in benefits through their insurance policy.

For a multitude of reasons, avoiding medical attention after an accident is never smart. Being afraid of high medical expenses, for example, is a reason to seek treatment – not to avoid it – because that treatment could cost you much more in the future. If you’re anxious about missing work, you’ll miss much more if your condition later becomes serious. After a traffic collision, seek medical attention at once. If you get a “clean bill of health” you’ll also get peace of mind. And if you’ve suffered an injury, discuss your legal rights and options as quickly as possible with a good personal injury attorney.

Emergency Medical Condition

Emergency medical condition” as it applies to PIP insurance claims in the state. The statute outlines this as a situation where victims suffered from acute symptoms that require immediate attention to prevent:

  •    Endangering their health and wellbeing
  •    Impairment of a major body function
  •    Serious dysfunction of any organ or body part

It is a good idea to discuss this with your doctor, who can note in your charts that you suffered an emergency medical condition. This may help your case. It is important to note there does not have to be a determination of whether your injury is an “emergency medical condition” within the first 14 days after an accident. As long as you seek medical care within the first two weeks, you should be eligible for some type of payout from your PIP insurance provider.

Misconceptions

Some misconceptions surround how much PIP covers. It does not necessarily pay all of the bills. PIP coverage pays the reasonable customary charges for medical treatment for injuries causally related to the accident.

If an individual injured their neck in an accident and if it still hurts three days later and it is not related to the accident, their PIP coverage is not going to pay for it. It only pays for those symptoms of those injuries that were caused by the accident. Even for the injuries causally related to the accident, Personal Injury Protection will only pay 80 percent of the bills.

No Fault insurance is mandatory in Florida – you are required by law to purchase it, therefore it’s important to know what’s required of you to take advantage of it in the event you need it.

Contact a personal injury attorney to discuss the specifics of your case and decide whether you need legal representation.  A personal injury attorney could mean the difference between getting a settlement that barely covers your expenses or a settlement or verdict that pays all of your bills and allows you to get back to living your life.

Tampa Attorney Martin J. Hernandez

Attorney Martin J. Hernandez of Fernandez & Hernandez, LLC in Tampa provides legal representation for families in auto accident injury and wrongful death cases. Our Tampa personal injury attorneys welcome the opportunity to interview with you and your loved ones. We invite you to review our recent results from settlements to trial verdicts. Our qualifications and background are available to you as well. Our Tampa Attorneys Martin Hernandez and Daniel Fernandez are bilingual as well.  Just call us at 813-229-5353 for your free consultation.

The Tampa personal injury lawyers of Fernandez & Hernandez, serve Florida communities including Tampa, Brandon, Carrollwood, Westchase, Riverview, Temple Terrace, Pasco, Pinellas, St. Petersburg, Clearwater, Lakeland, Plant City, Ruskin, Apollo Beach, Dover, Valrico, Lutz, Lakeland and many other neighborhoods in Tampa Bay area. Contact an Experienced Tampa Auto Accident Attorney from Fernandez & Hernandez Law.

If you have been involved in an Auto Accident in the Tampa Bay area, call Tampa personal injury lawyer Martin J. Hernandez of Fernandez & Hernandez for a free consultation now.  We recommend also reading his reviews on Google Reviews, Avvo and Yelp.

Call Tampa Personal Injury Attorney, Martin J. Hernandez of Fernandez & Hernandez at 813-229-5353 or read more at: www.InjuryLawyersOfTampa.com

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Dominique mason
Dominique mason
16:18 29 May 20
I had nothing but good experiences with Martin. He goes to great lengths to get the job done and makes sure you are... aware of all of your responsibilities. He will talk to you one on one and keep you up to speed. I am sincerely grateful and appreciative of his hard work and effort in my case.read more
Dustin Walker
Dustin Walker
12:56 26 May 20
Martin handled my case well. He was on top of everything and it seemed like my case went smoothly. I actually enjoyed... meeting with the doctor he referred me to. I wouldn't hesitate to refer Mr. Hernandez to anyone that needed legal help.read more
Jesse Jimenez
Jesse Jimenez
15:05 15 May 20
Martin and his team got me paid very fast. I got into an accident and 30 days later they got me more money for my car... and all the money there was and all within 30 days. These are the best injury lawyers in Tampa. Hire them and don't go anywhere else.read more
albert mckinzi
albert mckinzi
13:16 13 May 20
I am very thankful for the wonderful job that Martin and his awesome office staff did to settle a case for my grandma.... As people age, they do have trouble understanding legal matters and terminology & can get bewildered at times. They were very patient and explained everything in a way that could easily be understood. In this fast-paced world finding someone to have patience with older people shows true care for a client and their level of integrity, which means the world to us! I highly recommend them to anyone in need of his services. Our only disappointment was not knowing about him sooner. Thank you so much.read more
Luis Atencio
Luis Atencio
00:55 07 May 20
The right attorney for the right legal assistance! Definitely five stars for the great legal assistance of the... attorney Hernandez and his staff. Very knowledgeable and lavish with his time, I feel very satisfied with his assistance as well with the help of his assistant Sofia, which led to a satisfactory results on my case.read more
Valerie Anderson
Valerie Anderson
18:17 28 Apr 20
First I want to say Thank you Mr Hernandez for your service in our community. I truly recommend Martin for your legal... needs. My Mom had a case pending when she passed.not re Not related to the accident but Martin went over and beyond to make sure me and my brothers was compensated. Keep up the good work Mr Hernandez we ruly appreciate you.read more
Jinnifer Stanley
Jinnifer Stanley
15:39 07 Apr 20
I was in a car accident and like some people weren’t sure how to handle it. I called a few lawyers but Mr. Hernandez... was the one who appeared to be more interested, not only as a lawyer but also as a human being. He made the process very smooth. He was a very great man and a lawyer. I am very thankful to him. I would recommend him to anyone.read more
Daniel Fernandez
Daniel Fernandez
21:18 05 Mar 20
Martin Hernandez is highly regarded lawyer and a 5 star attorney. He and his staff are on top of their game. We... highly recommend this law firm and will tell you that you will not regret hiring this law firm.read more
Liliana Alvarez
Liliana Alvarez
19:33 02 Mar 20
Martin Hernandez and Daniel Hernandez are the best lawyers ever. They helped us a lot and we got great results. Thank... you!read more
Benjamin Blevins
Benjamin Blevins
17:19 21 Feb 20
This is the best auto accident lawyer in Tampa. I was involved in a car accident and did not know what to do, who to... call, who to see, find a doctor that could help me, or even what to say. I called Martin Hernandez and he sat down with me and explained everything from beginning to end. He quickly resolved me my case and got me the most amount of money possible. When people ask me who is the best lawyer in Tampa? I always Martin Hernandez is the best auto accident attorney in Tampa..read more
dylan harper
dylan harper
17:09 20 Feb 20
Martin was able to explain my case to me very well. I got good advice on what my particular options were and an honest... assessment of what I should expect going forward. When the world is falling around you its best to ask the smartest, hardest working person you can find what to do, and then do it.read more
Carmina Wilson
Carmina Wilson
16:39 19 Feb 20
I had an absolutely amazing experience with Martin’s firm. I had incurred personal injuries as a result of a bad auto... accident. His team not only treated me with respect, but they also made me feel like I was their only client. They handled my case with an astounding amount of expertise. Martin and his team is a lifesaver.read more
Katie Gulledge
Katie Gulledge
16:43 12 Feb 20
Mr. Hernandez represented me for my car accident in March 2019 and he was able to get my maximum settlement in less... than a year! He genuinely cares and has a great team of assistants that were able to answer any of my questions through the past few months.read more
cedrick wilson
cedrick wilson
15:17 05 Feb 20
I was in an accident lately and he was suggested by a friend. He met with me in person and was very punctual. He was... very calm and determined throughout my entire situation. Overall, I was extremely satisfied and impressed with Martin in reaching very positive results. I would recommend him and his office to anyone for solid advice and bottom-line results. Thank you again!read more
Tamika Jones
Tamika Jones
22:29 06 Jan 20
My experience with Martin Hernandez has been stressful not on his part. Martin has been very patient with me when I... wanted to pull every strand of hair from my head. From day one he took time to explain the process of how this was going to be but he would be there to hold my hand all the way and he did just that. His paralegal Angela walked with and held both my hands as well during all of this. When I couldn't get ahold of Martin she would make sure he got everyone of my messages. I would use his services again and recommend him to anyone. Thanks so much for all you have done and I'm forever grateful.read more
Russell Craig
Russell Craig
20:51 19 Dec 19
Very pleased with how the case was handled. I hope to never be in this position again as it was a stupid mistake but... with the help of Martin Hernandez I didn’t even have to appear in court on my own. I highly recommend using him and his team, you wont be disappointed.read more
Nicholas Nagowski
Nicholas Nagowski
22:34 14 Nov 19
Worked with Martin in Tampa, Florida. He executed on everything he promised. A well run organization. He called me... back very quickly whenever I reached out, if not answering right away. Definitely would recommend Martin to my friends and family. Thanks again for everything.read more
Mark Lenox
Mark Lenox
16:55 14 Nov 19
I was arrested for my 2nd DUI and I've reached out to Mr. Hernandez explaining my situation. He made me feel safe... through out the whole process. He helped me and extremely happy with the result. Martin knows clearly what are the best steps to take that's why I highly recommend him to anyone.read more
Kimberly McLendon
Kimberly McLendon
02:06 14 Nov 19
Martin Hernandez and his entire staff are extremely friendly,caring,knowledgeable, and treat you like apart of the... family. I hired Martin approximately 2 years ago. My case was a complicated one. But Martin Hernandez did an absolute amazing job. I was always kept current of what was going on with my case. Anytime I called, if Martin was unavailable his hard working staff got the answers I needed. I would recommend Martin Hernandez to everyone. He's dedicated to each case. If you're looking for a lawyer who doesn't just represent you,but welcomes you like family to his firm, Here's your answer. If I could give 50 stars I would. Thank you Martin& staff for all you did. Kimberly Mclendonread more
Chuck Hermanes
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22:21 07 Nov 19
My medical bills had been piling up long before I decided to contact an attorney, and by that time the statute of... limitations was close to ending. My friend recommended Martin Hernandez who is very knowledgeable and who saved me in my situation. My medical bills are finally taken care of because of the work of Martin and his team. From the very beginning, I have no doubt that’s why he had so many great reviews from others. And I am 100% satisfied client who definitely recommend him to anyone.read more
Kymii Plur
Kymii Plur
14:49 01 Nov 19
Martin is the absolute sweetest most understanding lawyer I have ever met. He is very knowledgeable of every situation... and will get you the money that you are deserved. His staff is amazing I love everyone there I couldn't speak more highly of all of them. I would recommend Martin and his staff to my family and anyone who is in need of an attorney don't waste your time with others go see Martin he will take care of you !read more
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09:32 26 Oct 19
Martin is very professional, marvelous , and meet all expectations far as handling my family law case.I strongly... suggest him to anyone who is in need of the best lawyer in Florida. Finest lawyer I've ever meet and i thank him for winning my case . He'll be hired by me anytime needed.read more
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Great service. They took my case and guided me throughout the entire process with care and kindness. Thank you!
Parker Darlan
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17:27 21 Oct 19
Martin and his office were very quick to respond to our inquiry and very professional. Extremely helpful and willing to... listen to the issue and address it in a timely manner. I would certainly use him in the future.read more
Stetson Madison
Stetson Madison
21:02 27 Sep 19
He has been very helpful as my attorney and made himself available whenever I needed. There has been multiple times I... wanted to just take a deal to get it over with but he has continued to work for me to get me in the best situation possible. He is very easy to work with and passionate about helping. He is not just a great lawyer but also a great human being!read more
Louie Serg
Louie Serg
15:51 13 Sep 19
My needs were met and the firm was invested in my case and me as a person. They were easily accessible, return phone... calls and emails promptly. Aggressive, when it was require and got the job done. Martin and his staff all produced the quality of an attorney and firm that anyone would want to hire.read more
Ted Esposito
Ted Esposito
16:49 07 Sep 19
I was involved in a car accident and the first person I called was Martin. He was very understanding and made it very... easy to get the insurance claims process underway. After a year of physical therapy, my case was settled and closed. Thank you so very much!read more
Arica Schmied
Arica Schmied
18:04 20 Aug 19
Amazing attorney!! Martin Hernandez and his firm are the best you'll find. I have known Martin for years and he has... helped my sister and friends in their car accident cases. I can't say enough good things. He is very knowledgeable, kind, and will treat you like family!read more
Noah Chase
Noah Chase
08:48 19 Aug 19
Mr. Hernandez is clearly very experienced - based on my interactions with him. I look for an attorney based on... integrity and experience. I found the integrity that I was looking for with Mr. Hernandez. I would recommend his services to anyone.read more
Fabian Prentice
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18:49 13 Aug 19
Martin is an amazing attorney and was able to get all 3 charges off my record. I knew I could count on him from the... moment I retained him as my attorney. He was quick to answer any questions I had and was very reliable. My case lasted over a year and he was always keeping contact with me the whole time. I would highly recommend him if you need a criminal defense attorney.read more
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