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Personal Injury Blog

How Can Florida’s 14-Day PIP Rule Affect Your Car Accident Case?

14-Day Rule Defined

Failure to seek medical care within 14 days of an auto accident will cause you to lose your right to receive Personal Injury Protection (PIP) coverage, which could equal thousands of dollars in lost compensation.  In Florida, you have 14 days after an auto accident to be examined by a healthcare professional – physician, dentist, urgent care center, hospital or chiropractor – or risk losing $10,000 in compensation you may be entitled to from the PIP insurance policy every Florida motorist is required to carry.  PIP covers medical bills like emergency services, hospitals, diagnostic studies, a percentage of your lost wages, and more.  Under the law, you must receive treatment within 14-days of an accident to be eligible for these benefits. 

14-Day Rule Explained

As Florida personal injury lawyers with a combined 60+ years of experience, we recommend that you go to the hospital or a medical professional immediately after a car accident even if you don’t have visible injuries.  Your insurance company will deny your claim if you fail to seek medical care under the 14-day rule.  

Don’t Self-Diagnose … Seek Medical Attention ASAP

The following scenario plays out time and again, and we don’t want this to happen to you:  A person involved in an accident feels some pain that they figure will go away so they don’t seek medical attention within the required 14-day window.  However, the pain got worse and now they missed the deadline to receive PIP coverage.  

Additionally, certain injuries may not be immediately apparent such as whiplash and internal injuries, which is why if you are involved in an accident you should be evaluated by a medical professional immediately to preserve your right to PIP benefits.  If you have questions about which healthcare professionals qualify, call us at 561-361-8677.  No one should give up $10,000 in medical benefits. 

Case Study

You should hire an attorney as soon as possible after a car accident to help guide you through the process of navigating the insurance system and seeking compensation from the negligent party. 

In a recently filed lawsuit, a Glotzer & Kobren client was injured in an auto accident and she didn’t see a doctor until more than 14 days after the injury-causing event.  “The client retained us months after her car accident, so we were not able to advise her of the 14-day requirement for PIP benefits,” explains Matthew Kobren, Esq. “The big takeaway is to get checked out by a healthcare professional immediately after an accident.  Do not wait.”  

Contact our personal injury attorneys for a free consultation.  Our law firm represents clients throughout the State of Florida and our staff speaks English, Spanish, Portuguese, and Creole.  If you or a loved one was unfortunate to be involved in an accident, call Glotzer & Kobren at 561-361-8677.  There’s NO FEE unless we WIN. 

Future Driven: Accident Claims & Autonomous Vehicles

Will 2022 be the year of the autonomous vehicle?  A Tomorrowland-like future with these sci-fi cars is on the horizon.  America is competing in a global race to make driverless cars the norm.  Most major car manufacturers currently offer vehicles with varying levels of autonomy.  You may find yourself in a semi- or fully-autonomous vehicle or self-driving car at some point in the near future. 

As the popularity of autonomous cars continues to rise and more drivers make the switch to self-driving vehicles, the number of autonomous car accidents will inevitably increase. We help clients determine who is liable in autonomous vehicle crashes and file a personal injury claim to recover financial compensation for various losses endured as a result of a collision.

Glotzer & Kobren, P.A. has helped scores of clients recover compensation for car accident injuries involving autonomous and self-driving vehicles. We represent clients throughout Florida and encourage you to contact us at 561-361-8677 for a free, confidential case evaluation if you’ve been involved in an accident.  Our car accident lawyers can help you exercise your rights and win full and fair financial compensation.

Self-driving vehicle accidents can involve complicated areas of liability, including:

  • Design defects
  • Computer software issues
  • Engineering problems
  • Human operator error
  • Manufacturing defects

When they work as they are designed to, self-driving cars can be safe and convenient. However, equipment and technology failures can result in serious and potentially deadly accidents.  As a result, it is not surprising to learn that the National Law Review found self-driving cars actually have a higher rate of accidents than human-driven cars. 

As self-driving vehicles become increasingly common on public roadways, crashes involving these cars are also becoming more common. Distracted driving and over-reliance on new technologies are contributing to higher percentages of car accidents than ever before. 

The skilled personal injury attorneys at Glotzer & Kobren, P.A. have the knowledge and resources needed to analyze your car accident and help you receive compensation to cover your medical bills, repair costs, lost wages, and pain and suffering.  Our lawyers will help assess who is at fault and determine which parties have been negligent in a self-driving or autonomous vehicle crash. 

A self-driving car or autonomous vehicle is no longer a futuristic idea in 2022.  We know how to build a successful self-driving and autonomous car accident case.  Call 561-361-8677 if you or someone you know has been injured in an accident.  There’s NO FEE unless WE WIN.

Save Thousands With Collision Coverage & Gap Insurance

How can you save money after an auto accident?  Obtain collision coverage and gap insurance before an accident occurs.

COLLISION INSURANCE covers any damage to your automobile if a collision with another vehicle or object (tree, light pole, fence, etc.) led to your accident. This coverage enables you to have your vehicle repaired through your own insurance policy subject to whatever deductible you choose.  

If you are in an accident with another vehicle that is entirely the other driver’s fault, you can go through the other driver’s property damage coverage to have your vehicle repaired.  However, there are some situations where that may not be an option.  

The attorneys at Glotzer & Kobren have recently seen an increase in the number of people who are driving without any auto insurance.  If you are in an accident with one of these individuals, there obviously won’t be an insurance company to pay for your repairs and in our experience, people driving without insurance don’t have the money to personally pay to repair your vehicle.  The minimum amount of property damage coverage in Florida is $10,000.00.  A situation that can prove problematic is if you don’t have collision coverage and you are in an accident where there is significant damage to your vehicle that will require costly repairs. If the damage to your car exceeds $10,000.00, there will not  be enough coverage to completely repair your vehicle.  

Similarly, if you are involved in an accident with more than one other vehicle that is not your fault, there may not be enough coverage to repair all of the vehicles damaged in the accident.  Furthermore, if you are involved in an accident that is partly your fault, the other driver’s insurance company will only pay for the same percentage of the repairs as the other driver’s responsibility for causing the accident.  For example, if the other driver is found to be 50% responsible for causing the accident, you will be responsible for paying 50% of the repairs to your vehicle.  

While these examples present frightening possibilities, the good news is they are all avoidable if you have collision coverage on your auto insurance policy.  While nobody wants to pay more for their auto insurance, it will be far less costly than having to pay for the repairs to your vehicle out of your own pocket.  

Another problem we have seen more often lately is clients who do not have GUARANTEED ASSET PROTECTION (GAP INSURANCE) on a vehicle that they have purchased and are financing to pay it off.  When you purchase a vehicle and finance the purchase with the dealership or a bank, the amount of the loan on the vehicle is always more than the value of the vehicle.  In order to protect yourself, you can purchase GAP insurance at the time you purchase the car.  If you are in an accident and your vehicle is declared a total loss as a result of the damage, the law only requires the insurance company to pay you the value of the vehicle, not what you may still owe on the vehicle.   

If you have GAP insurance, the GAP insurance pays the difference (GAP) between the value of the car and the amount of the loan to the lienholder.  If you do not have GAP insurance, you will be responsible for paying the difference (GAP) between the value of the car and the amount of the loan to the lienholder out of your pocket, even if you were not at fault for the accident.  

Just like with collision coverage on your auto insurance policy, there is an additional cost with purchasing GAP insurance but that cost is significantly less than what you would have to pay out of pocket to cover the GAP. 

“I have clients who are going to pay thousands of dollars out of pocket because they didn’t purchase collision coverage or gap insurance,” explains Matthew Kobren, Partner, at Boca Raton-based Glotzer & Kobren, P.A.  “It doesn’t have to be this way.  Collision insurance and gap insurance are must-haves for Florida motorists.”  

Unfortunately, we cannot rely on other people to “do the right thing” when it comes to taking care of your car that was involved in an accident.  To make sure that you will be able to get your car repaired or not have to pay thousands of dollars out of your own pocket for a car that was totaled in an accident, you need to protect yourself before you have an accident by purchasing these two coverages.

If you have any questions about collision insurance or GAP insurance, please contact Glotzer & Kobren at 561-361-8677.  Florida auto insurance laws can be confusing so we are here to help Florida motorists and their families decipher coverage options and policy language.      

Our goal at Glotzer & Kobren, P.A. is to maximize the value of your insurance claim so that you can get the money you need to cover your medical bills, repair costs, lost wages, and more.  We represent clients throughout South Florida and encourage you to contact us at 561-361-8677 for a confidential consultation if you’ve been involved in an accident.  There’s NO FEE unless WE WIN.

Behind the Wheel: Glotzer & Kobren Secures Epic Six-Figure Settlement in Motorcycle Accident Case

Case Study

Glotzer & Kobren, P.A. is proud to announce that we recently resolved a complex motorcycle accident case for $300,000.00.  Our top-rated motorcycle accident lawyers are expertly trained to specialize in these types of cases.  We have the legal skills and a track record of success obtaining a favorable recovery for injured motorcyclists.  Throughout our combined 60 years of legal experience, our trial attorneys have helped many Florida bikers who have been injured due to the negligence of another driver, an unsafe roadway, or a defective motorcycle.

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Risky Business: Driving in a Pandemic & Post-Pandemic World

U.S. traffic deaths are up despite the coronavirus pandemic. The results of a new study reveal that the number of people killed on the nation’s highways rose 4.6% in the first nine months of 2020 despite coronavirus lockdowns. The National Highway Traffic Safety Administration (NHTSA) estimates that 28,190 people died in traffic crashes from January through September of last year, up from 26,941 in the same period of 2019. How did this happen during stay-at-home orders?

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boca raton personal injury lawyers

Past, Present & Future: Tracking the Impact of COVID-19 on Personal Injury Claims

Driven by Success

The coronavirus (COVID-19) pandemic vastly changed the landscape of our justice system.  It has also created unique issues for personal injury cases.  But despite the pandemic, Glotzer & Kobren, P.A. continues its impressive track record of success by maximizing our client’s recovery after an accident.  In 2020, our Boca Raton-based personal injury law firm collected $8,000,000 in compensation for those injured due to the negligence or recklessness of another.

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