Personal injury protection insurance law changes for 2013
From the desk of Dr. Michael P. Cartales, D.C.
I am writing this to update you on some major changes in Auto Accident Injury (PIP) coverage that took place in Florida starting on 1/1/13. These changes significantly reduce your coverage and initiate some guidelines that could cause you to lose medical (PIP) coverage altogether. I have included some steps (below) you can follow to make sure you have coverage for Chiropractic/Medical Care in the event of an accident.
Here are some of the changes that took place 1/1/13:
Take the following step to avoid total loss of your coverage:
PIP can cover, within the specified dollar and time limits, the medical and or funeral expenses of the insured, others in its vehicle at the time of the loss, and pedestrians struck by its vehicle. The basic coverage is for the insured's own injuries, on a first-party basis, without regard to liability. Again, it is only available in certain states.
Many states that do not have PIP have Auto Medical Payments coverage, or AMP, and some states even have both. AMP is also a first party coverage, without regard to liability, but is only available in a few states, and generally optional.
AMP & PIP limits range from $1500.00 to $250,000.00 depends on the injury and the state. Claimants involved in an auto accident would be wise to submit their own insurance information to their medical providers, as third party carriers are under no legal obligation to pay a claimant's medical bills, while first party carriers are liable to pay these claims.
Third party carriers are subject to payment only after a judgement has been made against them, and any payments prior to that are considered voluntary. Settling a claim with a third party carrier is considered a voluntary payment.
Florida made personal injury protection insurance, mandatory for drivers. Claims fraud in Florida was the highest in the nation in 2011, estimated at about $1 billion.
Michael P. Cartales, D.C.
ActiveLife Family Chiropractic, P.A.
Http://activelifefamilychiro.com
I am writing this to update you on some major changes in Auto Accident Injury (PIP) coverage that took place in Florida starting on 1/1/13. These changes significantly reduce your coverage and initiate some guidelines that could cause you to lose medical (PIP) coverage altogether. I have included some steps (below) you can follow to make sure you have coverage for Chiropractic/Medical Care in the event of an accident.
Here are some of the changes that took place 1/1/13:
Prior to 1/1/13, your PIP auto injury coverage would pay up to $10,000 for medical expenses. Starting 1/1/13, your coverage went down to $2500 for non-emergency medical conditions. This is a 75% drop in your coverage. Coverage for emergency medical conditions remain at $10,000.
Any injuries from an auto accident must be diagnosed within 14 days of the accident date, or all medical coverage is lost.
All injuries from the accident must be reported on the first visit to a Doctor, and no additional injuried body regions will be eligible for the claim after the initial exam and diagnosis.
Take the following step to avoid total loss of your coverage:
Get to a Chiropractor or Medical Doctor in less than 14 days following an accident and have all injuries diagnosed on the first visit, no matter how minor or severe.
PIP can cover, within the specified dollar and time limits, the medical and or funeral expenses of the insured, others in its vehicle at the time of the loss, and pedestrians struck by its vehicle. The basic coverage is for the insured's own injuries, on a first-party basis, without regard to liability. Again, it is only available in certain states.
Many states that do not have PIP have Auto Medical Payments coverage, or AMP, and some states even have both. AMP is also a first party coverage, without regard to liability, but is only available in a few states, and generally optional.
AMP & PIP limits range from $1500.00 to $250,000.00 depends on the injury and the state. Claimants involved in an auto accident would be wise to submit their own insurance information to their medical providers, as third party carriers are under no legal obligation to pay a claimant's medical bills, while first party carriers are liable to pay these claims.
Third party carriers are subject to payment only after a judgement has been made against them, and any payments prior to that are considered voluntary. Settling a claim with a third party carrier is considered a voluntary payment.
Florida made personal injury protection insurance, mandatory for drivers. Claims fraud in Florida was the highest in the nation in 2011, estimated at about $1 billion.
Michael P. Cartales, D.C.
ActiveLife Family Chiropractic, P.A.
Http://activelifefamilychiro.com
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