How Does P.I.P Relate To Your Car Accident Injury?

How PIP Coverage is Used For Physical Therapy In Miami

PIP Coverage:  When you or someone you love is injured in a car or truck accident in the Miami-Dade area, there’s no doubt you’ve heard those three letters.  So, what is PIP coverage and why does it come up when you’re considering physical therapy for your car accident? Read on to find all the answers – and how submitting a claim could mean that you pay NOTHING out of pocket when you come to Physical Therapy Now for treatment especially when used in combination with your other healthcare benefits.

What is PIP Coverage?

PIP is the acronym for Personal Injury Protection. Every state has its own laws that relate to PIP coverage, so if you have a driver’s license and a car and are following the laws in the state of Florida for auto insurance, you do, in fact, have PIP coverage.  You have at least the minimum amount of coverage on your insurance policy, which, in Florida, is $10,000.

Florida is what is called a “no-fault state.”  This means that regardless of who is at fault for an accident, each individual in the car accident uses his/her own insurance policy to pay for the cost of their injuries.

So, if you already have insurance coverage, why then, does the state REQUIRE that you have PIP?  The way insurance coverage is broken down in Florida, the PIP coverage covers most of the financial aspects related to your injuries, including the cost of recovery (including doctor’s visits, physical therapy), medical treatment (for example, medication, ambulance, surgery) diagnostic services, (such as ex-rays), lost wages and much more.

Does PIP Coverage Pay For All of My Physical Therapy

It depends.  For injuries that are considered “emergencies,” PIP insurance will cover up tp $10,000. In “non-emergency” cases, the PIP coverage is significantly less, at up to $2,500.  There are also specific timelines you must keep in mind when you submit a claim to your auto insurance company for PIP, so if you are injured and need insurance to cover your expenses (as most everyone does), get that claim submitted ASAP.  Missing this deadline could be missing out on PIP coverage, and that could mean thousands of dollars in medical treatment billed directly to you instead of the insurance company.

One of the perks of coming to Physical Therapy Now for car accident injury rehab is that we assist in the communications with your insurance company if you would like.  That’s one less thing for you to have to worry about as you embark on the road to recovery!  There are those rare occasions when an insurance company denies claims.  We do our best to assist in those areas, but would then likely advise you to contact a Personal Injury Lawyer in Miami to pursue the insurance company to pursue a fair settlement.

What If I Was Injured In Someone Else’s Car?

Don’t worry, your own auto insurance policy should then kick in and cover the costs of your injuries.  If you don’t have your own auto insurance, the PIP coverage would either default to the person’s car you were in at the time of the accident or the auto insurance policy of the person in the home where you reside could be used to cover the cost of your injuries.  The insurance team at Physical Therapy Now has years of experience dealing with PIP insurance, so you’re in good hands.  We won’t begin any treatment (or billing) until you have full knowledge of any out of pocket expenses associated with your physical therapy in Miami.

PIP Coverage and Physical Therapy and Miami

Many people believe that the $10,000 required minimum is not nearly enough coverage for possible car accident injuries – and that may be right. Depending on the seriousness of the injuries, the expenses associated with your treatment could far exceed your insurance policy limits.  The solution:  Don’t wait.  Call your insurance company today and ask this question:  “How much is the next tier of PIP coverage?”  You’ll be pleased to know that thousands of dollars MORE in coverage can cost less than $10/month.

And then, if you are ever injured a car accident and need physical therapy for treatment, call us at Physical Therapy Now.  We’ve been told on many occasions that each facility has the the best physical therapist in Miami and we’re proud of that!  Plus, no matter where you live in Miami Dade, you can access a Physical Therapy Now facility within 5 miles.

Call us today to schedule your first appointment.  We’ll then review your insurance coverage to determine how much your policy allows given your specific car accident and injuries.  Contact us by calling (800) 481-4582.  We are here for you!