Florida’s no-fault insurance law requires all motorists to carry a minimum of $10,000 in Personal Injury Protection (“PIP”) insurance.    It’s this PIP insurance that covers all accident victims up to their policy limit no matter who is at-fault for the crash.  Your PIP insurance coverage also protects you when you’re a passenger in someone else’s motor vehicle, a pedestrian, or a bicyclist in the event you sustain injuries in a crash involving a motor vehicle.    It’s extremely important to act promptly after your traffic accident.  In order to make a successful PIP claim, you must receive initial medical treatment by an authorized healthcare provider within 14 days after the traffic accident.  Failure to comply with this deadline along with the many other technical rules governing the PIP insurance claims process may result in a substantial reduction or even complete denial of benefits.   For purposes of PIP insurance claims, the following types of healthcare providers are authorized to furnish initial medical care and services:  medical doctors, doctors of osteopathic medicine, chiropractors, hospitals, and emergency medical personnel.    The total cost of medical expenses and lost income can quickly exceed the legally required minimum PIP coverage limit even in cases involving relatively minor traffic accidents.  When PIP benefits are exhausted, you must then look towards other forms of insurance coverage, such as Medical Payments, Uninsured Motorists, etc., and possibly the at-fault parties involved in the crash.    This interaction of the PIP claims process, other forms of insurance coverage, and the at-fault parties and their insurance companies results in a tremendous degree of complexity that easily overwhelms accident victims.    That is why it’s vital to have an experienced auto accident lawyer working for you to guide you through the PIP insurance claims process and help ensure that you receive all the compensation to which you are entitled under the law.