Auto accidents, no matter how minor you may think they are, may involve new pain that is not going away. This can be due to the ‘Whiplash effect’ from the accident. Your peripheral nervous system (your fight or flight response) will ‘kick in’ as your protection mechanism. This tends to make your muscles stay “locked up” and, unless they are released, you continue in your pain cycle. If you are going through Physical Therapy ask if massage might be recommended. This will help speed your recovery time. Take our prescription form to your Doctor and ask if they would refer you to us. We will then file the insurance for you.

November 29, 2011 /24-7PressRelease/ -- Every Florida owner or registrant of a motor vehicle with four or more wheels is required by law to carry a minimum of $10,000 in personal injury protection (PIP) insurance. PIP insurance, also known as Florida No Fault Insurance, provides coverage up to policy limits for urgent medical care.

However, while PIP coverage has been a useful tool to ensure that injured Florida drivers have a safety net at their disposal, there is one gaping hole in PIP protection: it does not apply in many cases to non-residents.

How PIP Insurance Works

"Fault" for an accident can come into play in many ways and you may be entitled to economic recovery beyond that provided by PIP coverage. But, PIP protection is "no-fault" coverage; when you are involved in a motor vehicle accident, regardless of who caused it, your Florida PIP insurance covers you up to the limits of your policy. In turn, if another motorist was injured in the crash, their first $10,000 in medical bills will be paid for by their own PIP coverage.

PIP insurance generally "follows" policyholders. For instance, you are covered by your own PIP insurance while riding in someone else's vehicle, or when injured in a motor vehicle accident as a pedestrian or a bicyclist. Likewise, if passengers with coverage, or certain licensed drivers operating your vehicle with your permission, are injured in your automobile, their own PIP policies will kick in.

Your PIP insurance also covers your children and members of your household traveling in your vehicle -- it will even cover your child if he or she is injured while riding on a school bus. In addition, your PIP will cover certain other passenger in your vehicle who lack their own PIP policies, so long as these passengers do not own a vehicle themselves.

Click here to go to PIP referal form.