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Florida PIP 14 Day Rule Explained

If you live in Florida, you may have heard about the PIP 14-Day Rule. What exactly is this rule, and what does it mean for you? The kind staff at Impact Medical Miami are here to give you all the details so you know how to protect yourself after an accident.

The PIP 14-Day Rule Explained

PIP stands for “Personal Injury Protection”. This is a no-fault insurance policy designed to cover your medical expenses regardless of who is at fault for the accident. The rule states that you must seek medical attention within fourteen days of the car accident or else you won’t be able to file an insurance claim.

Why Is the PIP 14 Day Rule Required in Florida?

The reason for the fourteen-day rule is to ensure you’re treated before your injuries get worse. Also, medical professionals can treat your wounds more efficiently and your insurance claim is likely to be more accurate while the incident is still fresh in your mind. The longer you wait, the more muddled all the factors become which makes things harder on everyone involved.

PIP 14-Day Rule Qualifications and Coverage

By now you already know that you must seek medical treatment within fourteen days of your accident in order to qualify for insurance coverage. But what exactly counts as medical attention? Believe it or not, chiropractic care falls under the list of qualified practitioners. This is because licensed chiropractors are trained to treat injuries caused specifically by car impacts.

The amount that you’re covered depends on whether or not your situation is considered an emergency. Non-emergencies can be compensated for 80% of your bill up to $2,500 while emergencies shoot up to $10,000 and that’s on the lower end of the scale. Examples of emergency situations include:

  • Any dangers to your overall health or wellbeing
  • Impairments to essential bodily functions
  • Vital dysfunctions of an organ or body part

On top of seeking medical care, you should also be aware that police must either be on the scene of the accident or a police report must be made within ten days for the insurance claim to be made as well. Just another reason to call 911 as soon as you’re hit if you’re capable.

Why You Should Seek Chiropractic Care

Chiropractic treatments can lessen inflammation surrounding your tendons, ligaments, and muscles, all of which are incredibly prone to damage during a car accident. This form of treatment can also help with:

  • Jaw pain
  • Migraines and tension headaches
  • Stress disorders
  • Fibromyalgia pain
  • Weakened immune systems
  • Limited range of mobility
  • High blood pressure
  • Sleep disorders
  • Pain from repetitive stress injuries

If you just recently endured a car accident, call Impact Medical Miami today at 786-789-3171 to schedule an appointment to start your chiropractic treatment and meet the requirements for the PIP 14-Day Rule!