Auto Insurance / PIP

Auto Insurance Chiropractic and Medical Coverage

In the State of Florida we are considered a No Fault State. This means everyone by law is required to carry Personal Injury Protection (PIP) Insurance. This insurance is used for your medical bills when you are involved in an accident related to your vehicle, regardless if it is your, or someone else’s fault.

The state minimum is $10,000 of coverage. This may seem like a great deal of money, however, when someone is seriously injured, it will not take long to use this money.

When purchasing auto insurance you have the option of increasing the PIP coverage amount. Some people carry up to $100,000. In addition, you have the option of have a deductible of $1000 before the coverage begins paying on your medical expenses. Having a deductible will decrease your premium.

Typically most plans pay 80% of the medical bills up to the PIP coverage amount. However, some plans pay 100% of the claims up to the PIP coverage amount. These plans have a rider on the policy that will cover the extra 20%; they have a higher premium as well.

We accept all forms of PIP coverage including: Allstate, State Farm, Travelers, Geico, Progressive, Direct, Electric General Insurance, Dairyland, Ameriprise, Esurance