Have you ever heard of the 14-day rule? If not, safety first – buckle up and get ready to learn!
So what exactly is this 14-day rule, you ask? Well, if you’ve been in an auto-accident in the state of Florida, it is a requirement that you seek medical care by a doctor within 14 days of your accident to ensure your medical bills get paid for.
What happens if you don’t go to your doctor within the 14 days? What happens if you go to the doctor on day 15? It means you cannot file a PIP insurance claim. PIP stands for personal injury protection. PIP is essentially the insurance you have to buy that pays whenever you’re in a car accident. It will pay you up to your policy limit, even if you’re the party at fault. PIP insurance covers you when you’re in an auto accident that involves a vehicle, even if you’re a pedestrian or on a bicycle.
A this point you’re probably wondering how PIP works. When a PIP claim is made, you automatically can receive $2,500 towards your treatments from your auto accident. However, by getting an emergency medical condition (EMC) completed – you have now unlocked another $7,500. This means depending on your situation, you could get up to $10,000 of care covered under your PIP insurance.
Now that you understand what PIP insurance is – let’s talk about why the 14 day rule actually exists. Please note that the sooner you seek care, the sooner you are able to minimize your injuries and prevent any further complications. Sometimes, pain doesn’t show up immediately. It can show up days or weeks later. This is why the 14-day rule exists – think of it as a grace period for you. It allows you an entire 14 days to seek medical help after your accident.
This is where Dr. Huffman at Florida Injury Medical Centers is here to assist. We’re in 2021 where zoom calls and telemedicine visits have become the new “norm”. Well, Dr. Huffman opened up the first telemedicine injury practice in the state of Florida in 2017. With this being said, that means you’re able to seek medical care from the comfort of your home, your job, while on vacation, or the destination of your choice if you’ve been in an auto accident. As long as it’s been within 14 days, no matter where you are in the state of Florida, Dr. Huffman is here to help you virtually. He is able to prescribe medications, refer you out to the top chiropractors in the state of Florida, and even send you off for imaging; if necessary.
Have you been in an auto accident? Do you have questions on the 14-day rule? Contact Dr. Huffman for a free consultation about your claim. 866-402-4250.