Florida PIP Changes Effective as of January 1, 2013 By Tod Aronovitz | 01/02/13 | 0 Comment

Florida residents who are in a motor vehicle accident this year should be aware of significant new changes in the terms of their insurance coverage, including the following:

1) An individual must seek medical services and care within 14 days after a motor vehicle accident in order to qualify for any benefits.

2) Initial services and care are only reimbursable if lawfully provided, supervised, ordered or prescribed by a licensed physician, licensed osteopathic physician, licensed chiropractic physician, licensed dentist, or rendered in a hospital, a facility that owns or is owned by a hospital, or a licensed emergency transportation and treatment provider.

3) The $10,000 allowable coverage in PIP benefits is limited to those circumstances where a physician, osteopathic physician, dentist, physician’s assistant or advanced registered nurse practitioner has determined that the injured person had an “emergency medical condition.”

4) An emergency medical condition is defined as “a medical condition manifesting itself by acute symptoms of sufficient severity that the absence of immediate medical attention could reasonably be expected to result in serious jeopardy to patient health, serious impairment to bodily functions, or serious dysfunction of a body organ or part.”

5) If no finding of an emergency medical condition is made by a requisite health care professional during the 14 days after a collision, PIP benefits are restricted to $2,500.

Under the new law, PIP will not pay for acupuncture or massage therapy.

Background on Florida PIP Changes

Laws governing Personal Injury Protection (PIP) benefits under the Florida Motor Vehicle No-Fault Law were amended in 2012 under Senate Bill 1860. Laws related to PIP motor-vehicle insurance fraud have also changed. The new law became effective on January 1, 2013, and automatically applies to Florida PIP policies in effect on that date.

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