PIP INFORMATION FROM OUR PERSONAL INJURY CHIROPRACTIC TEAM
Our personal injury chiropractic team will tell you what you NEED to know about the new PIP laws and what the government and insurance companies DON’T want you to know.
What is Personal Injury Protection (P.I.P.)?
P.I.P. stands for Personal Injury Protection. It is also known as “no-fault” coverage. All Florida motor-vehicle owners are required to maintain P.I.P. by law. It pays medical expenses related to a motor-vehicle collision up to the first $10,000 regardless of fault.
January 1, 2013: PIP laws changed
1. Patients now only have 14 days to seek treatment from an approved medical doctor or you will lose full PIP benefits.
2. Patients are required to see an approved doctor for an EMC (Emergency Medical Consultation) to help the insurance decide whether you need your entire PIP.
This forces patients to rely on their health insurance to pay for medical bills that are related to their auto accident. Previously, these bills and expenses were covered under the PIP coverage that is required by the state of Florida.
3. Only approved doctors can consult for the EMC required to obtain full PIP benefits. The following doctors are able to diagnose and declare an EMC: Medical Doctors (MD), Osteopathic Doctors (DO), Physician Assistants (PA), Dentists (DMD), and Registered Nurses (RN). Chiropractors (DC) are no longer given authority to diagnose for EMC.
Most people getting personal injury chiropractic treatment after an accident report the greatest relief from motor vehicle accident injuries and experience an easier path to recovery from soft tissue injuries.
4. Massage Therapy and Acupuncture treatment are no longer covered under the new PIP laws.
There are 8 primary benefits of massage therapy after an accident. Massage therapy stimulates tissue healing, reduces muscle spasms, improves scar tissue, increases joint flexibility, lowers blood pressure, reduces stress/anxiety, retrain soft tissue to function properly, and releases endorphins (the “happy” hormones).