Not so fast my friends. Maybe you do and you just do not know it.
Hello, Jacksonville. Today I wanted to talk about car insurance. That’s right, I said car insurance!
Hello, Jacksonville. Today I wanted to talk about car insurance. That’s right, I said car insurance!
Every day I have people coming through my doors
who have been injured in auto accidents. All too often, as far as they know,
they will have to pay for their medical treatment all by themselves.
Fortunately, I have it on good authority that for most of you this just isn’t true!
You have help: your car insurance.
Drivers who are insured in Florida are required
by law to carry a minimum of $10,000 in Personal Injury Protection
insurance, also known as a ‘PIP’ policy. Note that that is a minimum - you may
be carrying more. Who is this money for? It is for you! Florida is a no-fault
state, so each person’s car insurance pays for their damages and injuries,
regardless of whose fault the accident was.
Here is how it works, in a nutshell: If you are
carrying a $10,000 PIP policy and you injure your back, that policy will cover
80% of the cost of your medical bills and 60% of the cost of your lost wages up
to $10,000, even if the accident was your fault. Additionally, the
policy covers property damage, again with a minimum of $10,000. So that will
help out with your car, too.
Basically, if you have car insurance you have a
guaranteed cushion of at least $10,000 in case of being injured in an accident.
That money can be used for visits to the ER, a physical therapist, or even your
friendly neighborhood chiropractor!
One thing you should be aware of: in 2012, the
Florida state legislature tightened up the no-fault law to reduce fraud. For
less serious conditions, there is now a cap of $2,500 on what you can claim. Also,
if you need to make a PIP claim, it is important to act quickly! You have
fourteen days to make your claim with your insurance. After that, you lose your
chance!
Despite these restrictions, Personal Injury
Protection is there to help you, the
person injured in an accident, and it can. It doesn’t matter if you were at
fault or even if the other driver was uninsured. The PIP policy still kicks in.
Your PIP policy can be used to help cover the cost of your medical bills. This
is a great advantage for Floridians. So take advantage of it!
Let’s start working on feeling better, Florida!
Yours in health,
Christopher B. Renne, D.C.
Chiropractic Physician
www.activechirocenter.com
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