Does PIP Insurance Cover Chiropractic After a Car Accident in Jacksonville?

Yes. Florida PIP covers chiropractic care after a car accident. Every registered vehicle in Florida is required to carry a minimum of $10,000 in PIP coverage, and chiropractic is a covered medical expense under that benefit. The critical detail is the 14-day window.

The 14-Day Requirement

You must receive initial medical treatment within 14 days of the accident date. This is a hard statutory cutoff under Florida law, not a guideline. If you wait longer than 14 days, your PIP coverage is permanently forfeited, no matter how legitimate your injuries are. The clock starts at the moment of the collision, not at the moment your symptoms appear, which matters a great deal because accident symptoms often do not peak until 48 to 72 hours after the crash.

How the Coverage Works

PIP pays 80 percent of reasonable and necessary medical expenses up to the policy limit. For most patients we treat, the 20 percent co-payment is waived by the clinic. We bill your PIP carrier directly and handle all the paperwork from your first visit. You do not need to manage the insurance side of this yourself.

If your injuries were caused by another driver and your damages exceed what PIP covers, you may also have a bodily injury claim against the at-fault driver's liability insurance. We document every visit with that possibility in mind.

No Referral Required

You can come directly to us. You do not need a referral from your primary care doctor or from the emergency room. Many accident patients see us as their first provider after the crash. We perform the initial examination, classify the injury, and begin treatment in the same visit.

Call Us Today

If you were in an accident recently, call us at (904) 539-3352 and tell us the date of the crash. We will confirm your PIP window and get you scheduled. 13770 Beach Blvd #4, Jacksonville FL 32224.

Written by

Dr. Cody Muren, DC

Doctor of Chiropractic · Certified Acupuncturist