The laws with regards to the medical coverage received for Florida car accident victims have recently been reformed. This reformation does not come as a way to help those who have been injured, but rather as a way to limit the amount of money that insurance companies must pay out in case of injury.
In the past, Florida residents have known that they were entitled to $10,000 in medical care-a figure that can be quickly consumed during care for a number of types of injuries and severity levels. However, this $10,000 figure is being limited and restrictions that were put into effect July 1, 2012 mean less money given to help cover medical expenses for people who have been injured in a Florida car crash.
If you have been injured and still want to receive the full payout that was originally put in place, there are a few criteria you must meet to be eligible to receive the $10,000 amount.
- See your doctor within 14 days - Instead of trying to play tough, it is important to see your doctor within 14 days of the Florida auto collision. Even if you think your injuries are minor or you can recover from them on your own, seeing a doctor within 14 days will, at the very least, help ensure that you will stay eligible for the $10,000 medical care coverage should you have a need for it.
- Have an "emergency medical condition" - Under the new Florida PIP law, you will also need to have what is considered an "emergency medical condition." This condition is defined as a serious injury that puts your health in jeopardy. Without an "emergency medical condition," your coverage will be dropped down to only $2,500 for medical care.
- Be seen by a recognized doctor - If you have back pain, you may want to see a chiropractor, but this is not a doctor who can determine if you have an "emergency medical condition." Under Florida law, you must be seen by a medical doctor, osteopath, dentist, physician's assistant, or nurse administrator.
If you have any questions regarding the changes to the PIP law in Florida, contact our offices for more details and help with your case.