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Auto Insurance & PIP Claims Accepted After a Car Accident

Auto insurance and PIP claims are accepted at both clinics. Florida is a no-fault state: your own auto policy’s personal injury protection (PIP) pays for your care after a crash, whoever was at fault, as long as you are seen within 14 days. UrgentMed treats accident injuries at both clinics seven days a week and bills PIP directly to the carriers below and to any other Florida auto insurer. What the visit involves is on the car accident care page.

Insurance accepted · Auto / PIP

Auto insurance and PIP claims: carriers with their own page

Auto insurance and PIP claims: how the billing works

  • PIP pays 80% of reasonable medical expenses, up to $10,000 when an emergency medical condition is documented and $2,500 when it is not; your policy deductible, if you chose one, applies first.
  • MedPay, if your policy includes it, can cover the remaining 20% and expenses beyond PIP.
  • Health insurance can be billed as secondary once PIP is exhausted — bring both cards.
  • Records and bills go to your carrier, and to your attorney on request with a signed authorization (attorneys: how UrgentMed works with your office).
  • When PIP runs out or is denied and an attorney is handling your claim, treatment can continue under a letter of protection your attorney signs.

Florida no-fault basics

  • Florida requires the owner of every four-wheel motor vehicle registered in the state to carry at least $10,000 of PIP; it pays covered medical bills regardless of fault.
  • Treatment must begin within 14 days of the accident, and PIP pays for related follow-up care when a physician — or another provider the law lists — refers you to it.
  • Medical benefits can use the full $10,000 only when a physician, PA or nurse practitioner determines you had an emergency medical condition; otherwise they are limited to $2,500. The $10,000 limit covers medical and disability benefits combined.
  • If you own a car, your own PIP usually applies even when you were a passenger or a pedestrian; if not, the policy of a relative you live with, or the policy of the vehicle you were in.
  • PIP does not pay for massage therapy or acupuncture, whoever provides it.
  • This is general information about how Florida’s law works, not legal advice.

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Walk in at Davie or Plantation seven days a week, or check in online to hold your place. No appointment needed.

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Rideshare, commercial vehicles and work driving

Crashes while driving for work are usually workers’ compensation claims first; rideshare and commercial-vehicle policies are billed like any other auto policy. Tell the front desk every policy that may apply.

Accident injuries are seen at both clinics

Frequently asked questions

Which auto insurance companies does UrgentMed accept for PIP?

State Farm, GEICO, Progressive, Allstate, USAA, Liberty Mutual/Safeco, Travelers, Farmers/Bristol West, Nationwide, Mercury, Kemper/Infinity, Direct General/Esurance, National General, Ocean Harbor, AAA, American Family, The General — and any other Florida auto insurer.

Do I have to be seen within 14 days?

Yes. Florida’s PIP law requires initial treatment within 14 days of the accident for PIP medical benefits to apply.

Will I pay at the visit?

PIP is billed directly. Your policy deductible and the 20% co-insurance, if any, are explained before you are seen; MedPay or health insurance can cover them.

Do I need a police report?

It helps but is not required to be seen; bring your policy or claim number and the date of the crash.

Can I come in if I was a passenger or a pedestrian?

Yes. If you own a car, your own PIP usually covers you even as a passenger or a pedestrian; if you do not, the policy of a relative you live with may, and if neither applies, the policy of the vehicle you were in — or, for a Florida resident hit while walking or cycling, the policy of the vehicle that struck you.

What happens when my PIP runs out?

Your health insurance can be billed for the care that follows, and MedPay if your policy includes it. If an attorney is handling your claim, UrgentMed can continue your treatment under a letter of protection your attorney signs — care in exchange for a promise of payment from the settlement or judgment. Tell the front desk as soon as your insurer says the benefits are used up.

Does PIP follow the person or the vehicle in Florida?

Mostly the person. If you own a car, your own PIP usually pays even when you were a passenger in someone else’s car or a pedestrian; if you do not, the PIP of a relative you live with may; and if neither applies, the policy of the vehicle you were in. This is general information about how the law works, not legal advice.

Does every clinic take Florida PIP?

No — a clinic has to bill your auto insurer itself, and Florida sets licensing rules for clinics that do, so ask before you go. UrgentMed bills Florida PIP directly at both clinics: the first visit inside the 14 days, the emergency-medical-condition determination, X-ray and the follow-up care, on the same claim.

Looking for something else?

If you are experiencing a life-threatening emergency — chest pain, difficulty breathing, severe bleeding, stroke symptoms — call 911 or go to the nearest emergency room.