Under a new law passed in Florida that went into effect January 1, 2013, if you do not go to the hospital OR a doctor within 14 days following an accident, your own PIP insurance does not have to pay your medical bills. Thus, if in 15 days you have not treated at the hospital OR with a doctor, then your automobile insurance does not have to pay your bills. You can still go to a doctor through your health insurance. If there is another car that is at fault, you also can still make a claim against that other car’s insurance for your injuries. But under the new law, your own PIP insurance will not be responsible for any of the resulting medical bills.
