The 14-Day Rule
In order to qualify for your Personal Injury Protection (PIP) benefits, you must receive medical treatment within 14 days of the accident. If you do not seek medical treatment within this 14-day
window, your insurance company will have the right to deny medical benefits. The types of PIP benefits received if you comply with the 14-Day Rule cover up to, but not exceeding:
- $10,000 in medical benefits and disability
benefits
- $5,000 in death benefits
- 80% for hospital visits, ambulance, and nursing
care
- 80% for x-rays, surgeries, and physical
therapy
Why Does the 14-Day Rule Exist?
The 14-day rule
exists for two reasons: First, waiting to get medical attention can make an injury worse. The sooner you get professional medical treatment, the sooner you can minimize your injuries and prevent complications.
Second, proving
the nexus between the accident and your injuries is a critical part of making an insurance claim. When you get medical treatment right away, the link between the car accident and your injuries is clear. The 14-day rule exists to help car accident victims get the treatment they need and to ensure that accident claims are valid and accurate.
