How Florida's Changes in Personal Injury Protection Affect Injured Sanford Motorists

A new law was scheduled to go into effect January 1, 2013 in order to try to prevent insurance fraud. However, this new law is likely to have a negative effect on non-insurance groups, medical providers and injured car accident victims. A car accident attorney can help you understand your rights under this new provision. Sanford, Florida residents, along with all Florida residents, need to take note.

With this new law:

  • · Motorists injured in a car accident will have just fourteen days to initiate medical treatment. The previous law did not mandate any time limit for treatments. If medical assistance is sought after two weeks, insurance companies do not have to pay anything.
  • · Insurance companies could charge similar fees for lower amounts of Personal Injury Protection (PIP) coverage. Fees that normally provided up to $10,000 in coverage may now only pay up to $2,500.
  • · Massage therapists and acupuncturists will no longer be covered.
  • · Insurance companies are not required to inform policyholders that changes have or will occur.
  • · Insurance companies are mandated to reduce their PIP rates by a minimum of 25% by 2014; however, they may file a petition with the government to be excluded from this requirement.

Many drivers who delay seeking medical help following a car accident will undoubtedly be affected by the strict 14-day limit. Procrastinating can likely prohibit your ability to receive PIP compensation.

Many Florida massage therapists, chiropractors and acupuncturists have joined to file a lawsuit to fight the limitations of what types of medical professionals and medical procedures are covered following an accident. It is almost certain that other groups will contest the constitutionality of the new law.

If you live in Orange County, Florida, including Sanford, it is even more critical for car accident victims to contact Oldham Smith Personal Injury Lawyers today to ensure you receive the benefits you are entitled to.


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