PIP LAWS

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Most people do not understand what Florida PIP insurance is or what it does for you. PIP is an acronym for Personal Injury Protection. All drivers in Florida are required to carry it on their auto insurance coverage. This may be redundant but it is used to cover any injuries that you sustain as a result of a car accident. On January 1st, 2013 Florida laws regard PIP were changed and all drivers should be aware of how these changes will affect you if you are injured in a West Palm Beach car accident. Once you are injured in an automobile accident you have only 14 days to see a qualified physician, this could be a doctor, hospital, or urgent care center. Many times people are busy with their life and do not want to take the time out of their day to go wait around a doctor’s office. However, if you wait to see a doctor for more than 2 weeks after your accident your insurance company will not pay any of your medical bills that pertain to the car wreck. When you are seeking medical care you need to mention and note all of the injuries that you sustained as a result of the automobile wreck. Regardless of how small you think they are, they must be noted in your file. If you do not mention them during your initial visit with the doctor and they continue to cause you pain in the future they will not be covered by your auto insurance.

You need to have a medical doctor, osteopathic doctor, or LPN confirm that you have a medical condition. If it is another type of medical provider such as a chiropractor, your West Palm Beach auto insurance company will only be liable for up to $2500 of the total medical bills. As long as you are seen by a qualified medical doctor listed above your car insurance company will be responsible for paying up to $10,000 of your medical bills. It should be noted that the new law allows your car insurance company to not have to pay for any type of acupuncture care or massage therapy. The new law is meant to cut back on the fraud that existed against PIP and the flagrant misuse and diagnosis that was rampant in the market place. If you have truly been injured in a car accident please seek the medical treatment you need. Then call our office to determine what rights you have. Our West Palm Beach car accident attorney is here to fight for your rights.