Loophole in New Florida PIP Law Already Being Exploited

April 5, 2012

In past posts I have talked about the new Personal Injury Protection (PIP) law currently working its way from the Florida legislature to the governor's desk for signature. According to cnbc.com, there is already a Tampa based company trying to circumvent the spirit of the law by exploiting one of the loopholes we discussed in previous posts.

Doctors For Hire

Florida drivers must carry $10,000.00 in Personal Injury Protection to help pay their medical bills and lost wages when they get injured in an automobile accident. The purpose of the law is laudable: most accidents cause only mild injuries and everyone should at least be prepared to bear the cost of these minor injuries.

The problem, however, is that some chiropractors and some doctors have centered their practices on exhausting those $10,000.00 with treatments that have often proven useless. This situation has made Florida legislators come up with a new set of rules known as HB 119 until they are signed into law by Governor Rick Scott, a strong supporter. HB119 limits chiropractors' access to only $2,500.00 of the $10,000.00 coverage, unless (and here comes the loophole being exploited) a physician, a dentist, a physician's assistant or even a nurse practitioner determines that the patient has a medical emergency.

As a result of this loophole, there is a company in Tampa offering to send medical doctors or osteopathic physicians to chiropractor's offices so that they can document the "medical emergency" necessary for those chiropractors to be eligible to bill insurance for the remaining $7,500.00 of the personal injury protection coverage.

Don't allow these chiropractors to plunder your insurance policy and deprive you of the money you need for real medical treatment. Any of our many excellent South Florida hospitals can provide you with the treatment your injuries need and they all accept payments from car insurance policies.

We Can Help

I realize that being involved in an accident is an experience that may leave you shaken. Worst, it may leave you seriously injured and in no shape to call an attorney as soon as you should. However, hiring a lawyer with experience handling car accident cases is essential to recover any compensation you may be owed and you (or a relative on your behalf) should contact a law firm as soon as circumstances allow. Insurance companies have their own lawyers and investigators working very hard by collecting evidence and interviewing witnesses from the moment the accident was reported. Shouldn't you too?

With more than 70 years of combined experience, the lawyers at Greenberg and Stone, P.A. are ready to help victims of car accidents, tractor trailer accidents, motorcycle accidents, accidents at amusement parks or any other kind of accidents recover the funds they may be owed.

Throughout the years, the Miami Dade County Car Accident Law Offices of Greenberg, Stone & Urbano have represented many clients involved in car accident cases resulting in serious personal injuries and wrongful death.

Please note that our practice has been extended with a new satellite office in Aventura to better serve clients that reside in Ft. Lauderdale, Hollywood, Hallandale Beach, Dania & Dania Beach, Miramar, North Miami, North Miami Beach, Aventura, Miami Beach, Surfside, Sunny Isles and Miami Gardens. Visit our website to learn more about our firm and contact us today for a free consultation.