Insurance accepted · Auto / PIP

Auto Insurance & PIP Claims Accepted After a Car Accident

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.

Auto insurers with their own page

How PIP 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 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.

Florida no-fault basics

• Every Florida-registered vehicle carries at least $10,000 of PIP; it pays your medical bills regardless of fault.
• Treatment must begin within 14 days of the accident, and follow-up care must be referred by the initial treating physician, PA, nurse practitioner, hospital or urgent care.
• The full $10,000 is available when an emergency medical condition is determined by a physician, PA or nurse practitioner; otherwise medical benefits are limited to $2,500.
• Non-emergency care such as massage and acupuncture is not payable under PIP.

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.