Florida’s no-fault system covers more than you think — but there’s a deadline you can’t afford to miss.
Car accidents can happen in a split second, but the aftermath — paperwork, medical bills, and recovery — can drag on for weeks or months. That’s why Florida drivers are required to carry Personal Injury Protection, or PIP insurance. It’s built into your auto policy and exists to help you get medical care quickly, without waiting for insurance companies to figure out who’s at fault.Here’s the basic idea: no matter who caused the accident, your PIP coverage kicks in to help with medical bills, lost wages, and other costs related to your injuries. That means you don’t have to wait for a legal battle to begin healing.
But there’s a catch — actually, a few.
The biggest one is the 14-day rule. Florida law requires that you seek medical treatment within 14 days of your accident if you want to qualify for PIP benefits. If you wait too long, you could lose access to up to $10,000 in coverage. That’s why it’s smart to get checked out right away, even if you feel “okay” in the moment. Some symptoms — like whiplash, nerve pain, or muscle stiffness — can take days to show up.
Another important thing to know? Chiropractic care is covered under PIP, as long as it’s performed by a licensed provider. That’s a huge advantage, especially for common auto injuries like neck pain, back pain, or joint misalignment. Chiropractors can offer non-invasive, drug-free treatment that focuses on getting your body back in alignment and reducing inflammation — all while documenting your care properly for insurance purposes.
At Champion Chiropractic, we’ve worked with many patients navigating Florida’s PIP process. We not only provide treatment, but also help ensure everything is documented correctly so your claims are handled smoothly. If you’ve never been through a car accident before, it can feel overwhelming — but having a team that understands both the medical side and the paperwork side makes a big difference.
PIP also helps with lost wages if your injuries keep you from working, and in some cases, replacement services (like childcare or household help if you’re temporarily unable to manage daily tasks). It’s not just about covering a doctor’s visit — it’s about helping you function while you recover.
If you’ve been in a car accident in Florida, the best move is to act quickly. Get evaluated, get documentation started, and understand what your coverage includes. Waiting could mean leaving thousands of dollars in care on the table — and potentially prolonging your recovery.
At the end of the day, PIP is designed to support you — but only if you use it in time. Chiropractic care offers an effective, low-risk option for healing that fits right into your benefits. And if you’re not sure what your next step should be? We’re happy to walk you through it.