What happens if I wait more than 14 days to see a doctor after a crash?

Under Florida’s PIP law, you generally must receive initial medical treatment within 14 days of the accident for PIP to cover your care. If you miss that window, your PIP insurer can deny benefits. That leaves you paying out of pocket or relying on health insurance. Delayed treatment also gives insurers an argument that your injuries are not related to the crash. Even if you feel “fine,” it is wise to get checked by a physician, urgent care, or emergency room promptly. Adrenaline can hide symptoms of whiplash, concussion, and back injuries for days.