PIP Insurance After a Car Accident in Tampa

Understanding Your PIP Insurance After a Car Accident in Florida

If you've been in a car accident in Florida, you have auto insurance benefits available to you right now — and a
deadline to use them.

What Is PIP Insurance?

Personal Injury Protection (PIP) — sometimes called no-fault insurance — is required by Florida law for all registered
vehicle owners. PIP covers accident-related medical expenses regardless of who was at fault in the collision, up to your policy's coverage limit. Most Florida PIP policies provide up to $10,000 in medical coverage.

Florida's 14-Day Rule — What You Need to Know

Florida Statute 627.736 requires accident victims to seek an initial medical evaluation within 14 days of the accident
to remain eligible for PIP benefits. Missing this deadline can significantly affect your ability to access the medical
coverage included in your auto insurance policy.

If you have been in an accident, seek a medical evaluation promptly — even if you feel you were not seriously injured.
Many traumatic injuries, including soft tissue damage, ligamentous injuries, and concussions, do not produce their
full symptom picture immediately following a collision.

What PIP Insurance Typically Covers

Florida PIP benefits generally include:

80% of reasonable and necessary medical expenses related to the accident
60% of lost wages resulting from your injuries
Reimbursement for transportation costs to and from
medical appointments
Death benefits

Coverage is subject to your individual policy terms and the determination of whether your condition meets the threshold for emergency medical condition (EMC) status under Florida law.

Emergency Medical Condition Determination

Under Florida's PIP statute, the full $10,000 in benefits is available to patients whose condition is determined to
be an emergency medical condition (EMC) by a qualified physician. Without an EMC determination, benefits may be
limited to $2,500.

At Suncoast Spinemed, Dr. Kevin Huffman, D.O. is available for EMC evaluations via telemedicine — typically within
24 hours of your first contact with our office. This ensures you receive the proper determination promptly and your full benefits are protected.

How Suncoast Spinemed Works With PIP

We accept Florida PIP insurance at both of our Tampa locations. Our team is experienced in working within the
PIP system and will help guide you through the process from your initial evaluation through your recovery.

Don't wait — Florida's 14-day clock starts at the moment of your accident.

Central Tampa: (813) 906-0000
USF - Temple Terrace: (813) 668-0000