OK so you have within 14 days of the accident to seek medical attention or else you will forfeit your personal injury protection benefits. You may have a claim against several people. First you have a claim against the driver if he was negligent and you have a claim against the driver of the other car if he was negligent. Florida is a comparative negligence jurisdiction meaning a jury will apportion fault based on the percentage that each tortfeasor was responsible for. You should discuss your case in private with counsel on a phone call here in Florida.
Unfortunately, it is not possible to competently answer your question at this time. An attorney providing advice will need much more information than what you have provided and to go into the issues you have identified, the answer would be too lengthy. There are requirements and deadlines. That is why you must consult with an attorney without delay, who can interview you and explain the system and how it applies to you. We all provide free consultations.
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