Recently, some changes have taken place in the Florida PIP auto insurance. Here is an article by Dino M Visitacion explaining them.
Understanding the Changes on Florida PIP Auto Insurance
With regards to the state authorities' purpose to crack down on Florida car insurance fraud, the state rendered some enhancements on its no-fault PIP insurance commonly known as Personal Injury Protection or PIP recently.
This content is going to provide fundamental information about the critical modifications on the reformed Florida auto insurance PIP law.
The Sunshine State still provides the $10,000 PIP coverage that will deliver immediate aid to the insurance holder in the event of a vehicular accident, to pay for medical bills, partial wage loss, as well as some out of the pocket expenditures that could be necessary pursuing the accident. However, not understanding the changes instituted on the Florida PIP law may deny an insurance policy holder for the said benefits. So, allow me to share the things that each Florida auto insurance policyholder must need to know about the reformed Florida PIP law:
Following an accident, the insurance holder should seek out medical treatment not later than 14 days. Failure to do this will default his or her PIP coverage.
Though the patient was able to avail of the medical care within the 14-day time window, the PIP beneficiary must be diagnosed by the medical professional to be in an "emergency medical condition (EMC)" before the beneficiary could avail of the full $10,000 PIP coverage, if not, the policyholder is only able to use the fractional $2,500 coverage. Emergency medical condition is being described as that whenever the beneficiary's health condition is in serious risk, that there's impairment to their bodily processes, or that there is a significant problem on any of his or her body parts or organs.
Chiropractors are not anymore included among the medical professionals that can classify a patient to be in an "emergency medical condition." The new Florida PIP law requires a list of medical providers which may only assign an EMC status to a patient.
Massage treatment are not anymore included in Florida PIP auto insurance coverage even so when it's being prescribed by the medical provider.
Your insurance company may well not cover the treatment for your injuries if the severity has not been recognized over the medical treatment, even if the doctor will attribute such with the injuries you sustained over the car accident.
The personal injury protection laws in the state of Florida have already seen numerous revisions throughout the years. PIP was first introduced to the state in 1971. Florida then was the second state in the United States to provide PIP coverage to its residents.
More information on the Florida PIP changes are readily available by reading the bill, HB-119, over the Florida's Senate website.
If you are looking for the cheapest auto insurance and homeowners insurance in Florida, I recommend InsureDirect.com. They also offer a click-to-call feature that can provide you insurance coverage in an instant. Visit them at http://www.insuredirect.com.
Source: EzineArticles.com.
This content is going to provide fundamental information about the critical modifications on the reformed Florida auto insurance PIP law.
The Sunshine State still provides the $10,000 PIP coverage that will deliver immediate aid to the insurance holder in the event of a vehicular accident, to pay for medical bills, partial wage loss, as well as some out of the pocket expenditures that could be necessary pursuing the accident. However, not understanding the changes instituted on the Florida PIP law may deny an insurance policy holder for the said benefits. So, allow me to share the things that each Florida auto insurance policyholder must need to know about the reformed Florida PIP law:
Following an accident, the insurance holder should seek out medical treatment not later than 14 days. Failure to do this will default his or her PIP coverage.
Though the patient was able to avail of the medical care within the 14-day time window, the PIP beneficiary must be diagnosed by the medical professional to be in an "emergency medical condition (EMC)" before the beneficiary could avail of the full $10,000 PIP coverage, if not, the policyholder is only able to use the fractional $2,500 coverage. Emergency medical condition is being described as that whenever the beneficiary's health condition is in serious risk, that there's impairment to their bodily processes, or that there is a significant problem on any of his or her body parts or organs.
Chiropractors are not anymore included among the medical professionals that can classify a patient to be in an "emergency medical condition." The new Florida PIP law requires a list of medical providers which may only assign an EMC status to a patient.
Massage treatment are not anymore included in Florida PIP auto insurance coverage even so when it's being prescribed by the medical provider.
Your insurance company may well not cover the treatment for your injuries if the severity has not been recognized over the medical treatment, even if the doctor will attribute such with the injuries you sustained over the car accident.
The personal injury protection laws in the state of Florida have already seen numerous revisions throughout the years. PIP was first introduced to the state in 1971. Florida then was the second state in the United States to provide PIP coverage to its residents.
More information on the Florida PIP changes are readily available by reading the bill, HB-119, over the Florida's Senate website.
If you are looking for the cheapest auto insurance and homeowners insurance in Florida, I recommend InsureDirect.com. They also offer a click-to-call feature that can provide you insurance coverage in an instant. Visit them at http://www.insuredirect.com.
Source: EzineArticles.com.
Thank you Dino! That was an excellent article.
Nadav
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