Florida is a no-fault state. If you’re hurt in a car accident, your own Personal Injury Protection (PIP) coverage is generally the first place medical bills go, no matter who caused the crash. Here are the basics, in plain language.
The 14-day rule
PIP generally covers medical benefits only if you receive initial care within 14 days of the accident (Florida Statutes §627.736). Initial care can come from licensed providers, including a chiropractic physician. Waiting longer may mean PIP won’t pay for that accident.
What PIP generally pays
Florida requires drivers to carry at least $10,000 in PIP. In general, PIP pays:
- 80% of reasonable medical expenses
- 60% of lost income from the injury
- A death benefit
Your policy may carry a deductible, and you may be responsible for the remaining share of medical bills. Your insurer can tell you exactly what your policy includes.
The “emergency medical condition” step
Under current law, PIP medical benefits are generally limited to $2,500 unless a qualifying provider (a medical doctor, osteopathic physician, dentist, physician assistant, or advanced practice registered nurse) determines you have an emergency medical condition. With that determination, benefits can go up to the full $10,000.
This is one reason a chiropractic office may refer you for a medical evaluation. At Therapy & Injury, when a patient needs a medical evaluation, we refer them to an independent medical provider.
Practical tips
- Report the accident to your insurer promptly and keep your claim number handy.
- Get checked within 14 days, even if you feel fine.
- Keep copies of bills, receipts, and records of missed work.
- For questions about claims against another driver, talk to your insurer or an attorney.
Read more: Florida’s 14-day PIP rule and your first visit · What to do after a car accident
Educational information only, not legal or insurance advice. Coverage depends on your policy and current Florida law.