In Florida, you have a 14-day window in which to initiate medical care following an automobile accident. The legislation requires you to be seen by an auto injury certified medical doctor. This may not be your primary care physician and although your chiropractic care is covered you must be examined by the medical doctor in addition at the start of the claim process or the insurance company does not have to legally pay your PIP (personal injury protection) claim.
Unfortunately, massage therapy is no longer covered under PIP. This is despite the fact that it has been scientifically proven time and time again to speed and enhance healing after an accident. In order to receive massage therapy, you have to either pay out of pocket or if you have an attorney work it out with the attorney and the medical massage therapist’s office that they are to be compensated at the time the case is settled.
Make sure you select your coverages wisely on your auto policy. There is more than one kind of deductible and more than one option for medical payments. When you look at your policy, you have to select your deductible (this is the one most people think of and are aware of) for collision/comprehensive. This deductible is what you will be responsible to pay out of pocket should an accident occur in order to fix your vehicle. Comprehensive and collision deductible limits can be selected separately and do not have to match.
The second deductible is the Personal Injury Protection deductible. This is what you will be paying out of pocket to the doctor’s offices before the mandatory $10,000 Florida state limit kicks in.
Along with both of these, you have optional coverages that you may or may not elect in order to boost the amount you have towards medical coverage from your own insurance company in the event of an accident. This amount is chosen and can go anywhere from $1,000 all the way up to $100,000. Each incremental raise will also raise your monthly payment rate.
Knowing what is included in your policy is important. If you have an accident it is then too late to make adjustments and you are held to what was previously already in place. Talk with us today. Our experts at Centennial Insurance Services can guide you to the best policy possible at the very best price.
Call us directly at (239) 247-5125 or visit us online by going to www.cisinsfl.com.
We look forward to speaking with you!