Short answer
Tell your insurer about the accident in writing straight away: New York allows only 30 days, and Florida pays medical benefits only if you get care within 14 days. Once the insurer has proof of your bills, most PIP states give it 30 days to pay (New Jersey 60), and late payments usually earn interest set by state law, as much as 2% a month in New York.
Deadlines in each PIP state
Delaware
Florida
Hawaii
Kansas
Kentucky
Maryland
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Oregon
Pennsylvania
Utah
Delaware PIP required; you can still sue the at-fault driver
| Your deadline | Medical and other expenses must be incurred within 2 years of the accident. |
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| Insurer must pay | Insurer must pay or explain a denial within 30 days of your written request and documentation (and send a claim form within 10 days of being asked). |
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| If it pays late | Unpaid benefits grow 1.5% a month from day 31 to 60, then 2% a month. |
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| Law | 21 Del. C. §§ 2118(a)(2), 2118B |
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| Your deadline | You must get initial medical care within 14 days of the accident, or PIP medical benefits don't apply. Medical benefits are capped at $2,500 unless a doctor finds an emergency medical condition ($10,000). |
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| Insurer must pay | Benefits are overdue if not paid within 30 days after the insurer gets written notice of the loss and its amount. |
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| If it pays late | Overdue payments carry interest at the statutory judgment rate or the policy rate, whichever is higher. |
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| Law | Fla. Stat. § 627.736(1)(a), (4)(b), (4)(d) |
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| Insurer must pay | Benefits unpaid 30 days after the insurer gets reasonable proof and a demand for payment are overdue; if it needs more documents it must send an itemised list within those 30 days. |
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| If it pays late | 1.5% a month on overdue benefits. |
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| Law | Haw. Rev. Stat. § 431:10C-304 |
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| Insurer must pay | Benefits are overdue if not paid within 30 days after the insurer gets written notice of the loss and its amount. |
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| If it pays late | 18% a year simple interest. |
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| Law | K.S.A. 40-3110 |
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Kentucky No-fault (you can reject it in writing)
| Insurer must pay | Benefits are overdue if not paid within 30 days after the insurer gets reasonable proof of the loss and its amount. |
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| If it pays late | 12% a year, or 18% if the delay had no reasonable basis. |
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| Deadline to sue for benefits | Sue within 2 years after the loss (and no more than 4 years after the accident) if nothing was paid, or within 2 years of the last payment. |
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| Law | KRS 304.39-210, 304.39-230 |
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Maryland PIP required unless waived; you can still sue the at-fault driver
| Your deadline | The policy can require your claim within 12 months of the accident, but not less. |
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| Insurer must pay | Insurer must pay within 30 days after it gets satisfactory proof of claim. |
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| If it pays late | 1.5% a month simple interest on overdue payments. |
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| Law | Md. Code, Ins. § 19-508 |
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| Your deadline | Submit the PIP claim within 2 years of the accident; medical expenses must be incurred within 2 years. |
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| Insurer must pay | Benefits are due as the loss accrues once you give reasonable proof; after a doctor's notice of disability, the insurer must start medical payments within 10 days or explain in writing why not. |
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| If it pays late | If benefits stay unpaid for more than 30 days, you (or your medical provider) can sue the insurer for them. |
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| Law | M.G.L. c. 90, § 34M |
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| Your deadline | Give the insurer written notice of injury within 1 year of the accident (or have benefits paid within that year). |
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| Insurer must pay | Benefits are overdue if not paid within 30 days after the insurer gets reasonable proof; provider bills sent later than 90 days after the service get an extra 60 days. |
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| If it pays late | 12% a year simple interest. |
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| Deadline to sue for benefits | Sue within 1 year of the accident unless notice was given or benefits paid; then within 1 year of the most recent loss, recovering nothing incurred more than 1 year before suit (paused while a specific claim awaits a formal denial). |
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| Law | MCL 500.3142, 500.3145 |
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| Your deadline | The policy can require notice no sooner than 6 months after the accident, and late notice only costs you benefits if the insurer shows it was actually harmed. |
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| Insurer must pay | Benefits are overdue if not paid within 30 days after reasonable proof (or within 15 days after a monthly accumulation period). |
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| If it pays late | 15% a year simple interest. |
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| Law | Minn. Stat. §§ 65B.54, 65B.55 |
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New Jersey No-fault (choice of limited or unlimited right to sue)
| Insurer must pay | Benefits are overdue if not paid within 60 days after written notice of the loss and its amount, unless within those 60 days the insurer denies in writing or asks, in writing, for up to 45 more days. |
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| If it pays late | Overdue benefits carry interest. |
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| Law | N.J.S.A. 39:6A-5(g) |
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| Your deadline | Written notice of the accident within 30 days (unless you show a reasonable excuse); medical bills within 45 days of treatment; lost-wage proof within 90 days. |
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| Insurer must pay | Benefits are overdue if not paid within 30 days after proof of the loss. |
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| If it pays late | 2% a month interest, plus a reasonable attorney fee on an overdue claim. |
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| Law | N.Y. Ins. Law § 5106(a); 11 NYCRR 65-1.1 |
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| Insurer must pay | Benefits are overdue if not paid within 30 days after reasonable proof (or within 20 days after a monthly accumulation period). |
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| Deadline to sue for benefits | Sue within 2 years after the loss (no more than 4 years after the accident) if nothing was paid, or within 4 years of the last payment. |
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| Law | N.D.C.C. §§ 26.1-41-15, 26.1-41-19 |
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Oregon PIP required; you can still sue the at-fault driver
| Your deadline | Medical expenses must be incurred within 2 years of the injury (up to $15,000). |
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| Insurer must pay | A provider's bills are presumed reasonable and necessary unless the insurer denies them within 60 days of getting the provider's claim. |
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| Law | ORS 742.524(1)(a) |
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Pennsylvania No-fault (choice of limited or full tort)
| Insurer must pay | First-party benefits are overdue if not paid within 30 days after the insurer gets reasonable proof of the amount. |
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| If it pays late | 12% a year interest, plus attorney fees if the insurer acted unreasonably. |
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| Deadline to sue for benefits | Generally 4 years to sue for first-party benefits. |
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| Law | 75 Pa.C.S. §§ 1716, 1721 |
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Utah No-fault
| Insurer must pay | Benefits are overdue if not paid within 30 days after the insurer gets reasonable proof. |
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| If it pays late | 1.5% a month interest, plus attorney fees if you have to sue to get them. |
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| Law | Utah Code § 31A-22-309 |
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Checked October 24, 2026 against each state's statute. Where a row is missing, the law sets no specific number and your policy's notice clause applies, so give notice as soon as you can. Other states offer PIP or medical payments coverage as an option; your policy sets those deadlines.
How to keep a PIP claim on track
- Report the accident to your own insurer in writing, even if the other driver was at fault, and ask for the PIP application form.
- See a doctor quickly and keep every bill, receipt and note from your employer about missed work.
- Send bills and wage proof as you get them, and log the date each was sent; the insurer's 30 days run from proof, not from the accident.
- If a payment is late, ask in writing for the payment plus the interest your state sets, then complain to your state insurance department.
