Florida’s new PIP law is causing confusion with many people questioning what is covered and what is not.  To be quite honest, the law makes a horrible mess of PIP and is very favorable to the insurance company.  Here is a summary of what the new PIP law addresses:

1)  IF YOU FAIL TO GET A MEDICAL OPINION WITHIN 14 DAYS YOU WILL GET NO BENEFITS – The most important part of the PIP law to claimants establishes that if you do not receive some medical attention within 14 days of the date of the crash, NO BENEFITS WILL BE PAID.

2)  ALTHOUGH YOU ARE PAYING FOR $10,000.00 OF INSURANCE, YOU MAY NOT QUALIFY FOR $10,000.00 – The new PIP law establishes that a claim for full benefits must qualify as an “EMERGENCY MEDICAL CONDITION. (EMC)”  That means that a qualified physician (an M.D., a D.O., a D.D.S., a P.A., or a R.N.P.) must diagnose an EMC.  Notice that chiropractors (D.C.), Massage Therapists (L.M.T.) are not on the list.

3)  NO EMC RESULTS IN $2,500.00 MAXIMUM BENEFIT – If a claimant does not have an EMC, but does receive medical care within 14 days, then the maximum benefits are $2,500.00.

There are many new aspects that will affect Florida consumers.  If you are involved in an auto accident, please call me immediately to discuss your case.  As a personal injury auto accident attorney in Tampa, I will make sure that you receive the benefits you are paying for and are entitled to.