You only have 14 day if you are Injured!

car-crash

car accident

Did you know that your car insurance coverage has been changed effective July 1 for all new policies written on or after that date?

There are several key changes to your car insurance when it comes to your personal injury protection (PIP) that you should be aware of because they can have a great effect on you or someone you care about. Some changes to the insurance take effect July 1, 2012 and the rest take effect January 1, 2013.

Here are some of the new changes that you should be aware about:

  • You now only have 14 days to present to a doctor and seek care for your injuries as a result of a car accident or you will be denied benefits under your PIP coverage.
  • Effective January 1, 2013 you will no longer be able to seek care from a massage therapist, acupuncturist, or podiatrist for your injuries. The only healthcare providers you can seek care from our medical doctors (M.D.), doctors of osteopathy (D.O.), doctors of chiropractic (D.C.), physician assistants, dentists, and nurse practitioners. You will also be allowed physical therapy.
  • If your doctor does not diagnose you with an emergency medical condition then you are only allowed $2500 in PIP benefits. To access the $10,000 required insurance you must have in emergency medical condition diagnosis within the first 14 days from an M.D., D.O., physician’s assistant, nurse practitioner, or dentist.

These are some of the changes that have taken place. To better protect yourself and your loved ones I recommend that you do the following:

  • Purchase Med Pay on your auto insurance. This will cover some of the medical expenses not covered under PIP.
  • Have at least $100,000 in uninsured and under insured benefits. (over 20% of all Florida drivers do not carry any insurance)
  • If you are involved in an accident seek care as soon as possible. Don’t neglect to mention any of your injuries or assume that they will just go away.
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