What Floridians Can Expect With The New PIP Law

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  • Medical treatment must be sought within 14 days of the car accident in order to be eligible to file a PIP insurance claim, otherwise, your right to file a claim is waived
  • New PIP law seeks to cap monetary amount of claims for damages at $2,500 unless “Emergency Medical Condition”
  • “Emergency Medical Condition” is defined as:
    • A medical condition manifesting itself by acute symptoms of sufficient severity, which may include pain, such that the absence of immediate medical attention could reasonably be expected to result in any of the following:
      • Serious jeopardy to patient health
      • Serious impairment to bodily functions
      • Serious dysfunction of any bodily organ or part
  • Chiropractors may not diagnose a patient with an “Emergency Medical Condition” and acupuncture and massage therapy are excluded from claim payments after the accident
  • New PIP law defines who may diagnose an “Emergency Medical Condition”:
    • Medical Doctor
    • Osteopathic Physician
    • Dentist
    • Supervised Physician’s Assistant
    • Advanced Registered Nurse Practitioner
  • If there is a proper diagnosis of an “Emergency Medical Condition,” then PIP will cover up to $10,000 in medical and disability benefits
    • In addition to the $10,000 policy limits, there is a $5,000 death benefit
  • If initial services and care are rendered within 14 days after the accident, the covered medical benefits include:
    • 80% of all reasonable expenses for medically necessary medical, surgical, X-Ray, dental, and rehabilitative services, including prosthetic devices, and medically necessary ambulance, hospital, and nursing services