Basically, in a Florida car accident, for many years, the no fault coverage provided $10,000 of medical (and wage) coverage. Thus, your own insurance would pay $10,000 towards your medical (and wage) coverage, regardless of fault. It pays at 80 percent. However, a law was passed in 2012 that went into effect on January 1, 2013 which made medical coverage only $2,500; however, if you are deemed to have an emergency medical condition (as defined by the statute), then PIP would again pay up to $10,000. Of note, the statute listed the type of medical providers that could find an EMC. Clearly, medical doctors and doctors of osteopaths were allowed to make the EMC finding as were some other medical providers; however, chiropractors were not allowed to make the EMC finding such that pip would go from $2,500 to $10,000. Thus, when someone was treating with a chiropractor, if more than $2,500 of treatment would be needed, they would have to be seen by one of the enumerated medical providers to make the finding of whether there was an EMC or not.
If you or a loved on has been in any sort of accident where you feel someone else was at fault, please feel free to call the Florida accident lawyer at Drucker Law Offices – Gary J. Drucker, Esquire. Drucker Law Offices offers a free consultation in accident cases and the personal injury lawyer will discuss your case with you. There is no lawyer fee unless a recovery is made by the injury lawyer in your case.
