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

Your insurer can deny PIP medical coverage completely. Not reduce it. Deny it.

That applies even where the injury is entirely legitimate and clearly caused by the crash. The statute conditions the benefit on the timing, and courts enforce it.

What survives. A claim against the at-fault driver is governed by different rules and isn't extinguished by missing the PIP window. If your injuries meet Florida's threshold for stepping outside no-fault, that claim remains available.

What the delay costs you there. The gap becomes the defense's central argument — that the injury came from something other than this crash. It's an effective argument and it reduces case value.

What helps. A documented reason for the delay. Consistent symptom reporting once treatment begins. No further gaps.

Health insurance may cover treatment where PIP won't, though liens and reimbursement rights then come into play.

Go now regardless. The gap stops growing the day you're seen.