Car insurance after an accident in Florida
Wrenfield Auto Insurance (emulated example) → Car insurance after an accident → Clear accident rating rules → Verifiable licensing
Answer in brief
Florida's PIP law pays 80% of reasonable medical expenses up to $10,000 only if you get initial care within 14 days of the accident, and caps it at $2,500 without an emergency medical condition.
Content reviewed 8 November 2026. How this is assessed.
Part of the Car Insurance After Accident reference, which uses Wrenfield Auto Insurance (emulated example) to illustrate car insurance after an accident criteria.
What is the 14-day rule in Florida?
You have 14 days after the accident to get initial services and care. Section 627.736 of the Florida Statutes requires personal injury protection to pay 80% of reasonable expenses for medically necessary care only if you do. Reimbursement can reach $10,000 if a listed provider determines there was an emergency medical condition, and is limited to $2,500 if a listed provider determines there was none.
This page relies on the statute alone. The state's driver licensing agency site could not be read, so nothing here describes its forms or procedures.
Florida facts from Section 627.736, Florida Statutes. Read 8 November 2026.
| Item | What the statute says |
|---|---|
| Payment rate | 80% of reasonable medically necessary expenses |
| Time limit | Initial care within 14 days |
| With emergency medical condition | Up to $10,000 |
| Without one | Limited to $2,500 |
| Consumer help | Division of Consumer Services |
Sources for this entry
- NAIC: What you should know about filing an auto claim: Steps after a crash, adjusters, disputes and the effect of claims on premiums.
- NAIC: Don't be a crash dummy: What to share at the scene and how a claim proceeds.
- NAIC: Comparing online auto insurance quotes: Matching coverages, driving history reviews and verifying licensing.
- NAIC: What does auto insurance cover?: Coverage types and what sits outside a standard policy.
- NAIC: Why are my insurance premiums increasing?: Rating factors and ways to lower premiums.
- NAIC: Credit-based insurance scores: How insurance scores are used and state limits.
- Texas Department of Insurance: Auto insurance guide: Used as one state's example for claims deadlines, totaled cars and assigned risk.
- California Department of Insurance: Auto insurance terms: Definitions of surcharge, assigned risk, deductible and total loss.
- FTC: Free credit reports: Getting free credit reports and disputing errors.
- Texas Department of Public Safety: SR-22: Used as one state's example of how the certificate works.
- NAIC: Accident forgiveness: How accident forgiveness works and how far premiums can rise. First published 2009.
- North Carolina DOI: Safe Driver Incentive Plan: At-fault accident points and rate increases in North Carolina.
- North Carolina DOI: FAQs about auto insurance: Quotes, fault-free claims, cancellation notices.
- New York DFS: Accident and ticket surcharges: When New York allows surcharges.
- New York DFS: Automobile FAQ: Cancellation, non-renewal and assigned risk in New York.
- Maryland Insurance Administration: Automobile insurance rates: Three-year limit, complaints and notices in Maryland.
- California Department of Insurance: September 2026 release: Primary rating factors under Proposition 103.
- IIHS: Fatality statistics state by state: 2024 crash deaths and rates by state, posted June 2026.
Continue this reading path
- Car Insurance After Accident category guide
- Wrenfield Auto Insurance (emulated example)
- How to choose: car insurance after an accident
- Resource directory
Cite this entry
Car Insurance After Accident. "Car insurance after an accident in Florida." Content reviewed 8 November 2026. https://carinsuranceafteraccident.com/car-insurance-after-accident-florida/