By nature, car accidents are shocking and unexpected.  If seriously injured in an accident, your day will end with trip to a hospital.  If, like many, you are stunned but do not necessarily feel a physical complaint, you will go home to sleep or shake it off.  If this happens to you, understanding changes to Florida insurance coverage is essential to protecting your health and your rights.

Personal injury protection (PIP) is a required aspect of insurance coverage for all Florida motorists.  Recently, the Florida legislature created limits to accessing that coverage.  Those limits went into effect the first of this year.  If you are involved in a car accident, you now only have 14 days to seek medical care for injuries you suffer.

In addition to being limited to two weeks to see a doctor after your accident, only the services of specified health care providers will be reimbursed.  Too often, symptoms of serious neck, back or other injuries do not present for weeks or even months after initial injury.  If you do not seek appropriate medical care in the short window of opportunity just after your accident, you will not receive reimbursement for what could be costly medical expenses.

While the legislature enacted these changes to deter insurance fraud in the state of Florida, the changes also pose serious challenges if you are injured and shut out of needed medical care either by time or reimbursement limits if your condition is not deemed an emergency medical condition.

If injured in a car accident, see your doctor and speak with our firm for experienced legal advice.