If you’ve sustained injuries in an automobile accident, it’s important to be assessed by a medical provider. An injury labeled as an emergency medical condition by a medical provider will prevent your insurance company from capping your PIP (personal injury protection) insurance coverage.

Learn more about the emergency medical condition designation after automobile accidents below.

Emergency Medical Condition in an Auto Accident

An injury may be labeled as an emergency medical condition by a medical professional, such as a member of the expert team at Florida Spine & Injury, if it:

• Puts the patient’s health and well being at a serious risk
• Severely impairs the patient’s physical function
• Severely damages a body part or organ

There’s no official list of conditions that qualify as an emergency medical condition; the designation comes down to the expertise of a medical provider.

PIP Insurance in Florida

PIP insurance coverage is additional insurance that drivers must add to their automobile policies under the Florida No-Fault Motor Vehicle Law. It covers the cost of medical expenses after an automobile accident, whether or not you’re considered to be at fault for the accident.

EMC And PIP Insurance

Under Florida law, a patient who experiences an injury labeled as an emergency medical condition by a medical professional can receive PIP insurance benefits at the full value of $10,000. Injuries sustained in an automobile accident that aren’t deemed an emergency medical condition are only eligible for PIP insurance coverage up to $2,500.

Seek Medical Evaluation After an Automobile Accident

After an automobile accident in Florida, it’s crucial to seek out medical treatment as soon as possible. According to Florida law, patients have 14 days to receive treatment after a crash using personal injury protection insurance. Prompt treatment will also help strengthen the patient’s legal case if an automobile accident lawsuit is filed.

If you’ve been injured in an automobile accident in Florida, it’s worth it to have your condition evaluated by a medical provider at Florida Spine & Injury. If we label your injury as an emergency medical condition, you can receive additional insurance coverage to pay for the medical care that you need.

The caring team at Florida Spine & Injury can provide you with a thorough medical evaluation after an automobile accident. We’ll determine if your injuries qualify as an emergency medical condition and help get you on the path to recovery.