Yes, Florida PIP insurance covers chiropractic care after a car accident, and every registered vehicle in Florida is required to carry at least $10,000 in PIP. The catch is a strict 14-day window: you must be seen by a provider within 14 days of the crash or your PIP benefit is permanently forfeited.
The 14-Day Rule Is Not Negotiable
Florida law sets a hard statutory cutoff, 14 days from the date of the collision, not from when your pain shows up. That distinction matters because whiplash and soft-tissue injuries often don’t peak until 48 to 72 hours after impact. Many Jacksonville drivers feel “okay” the day of the crash and wait it out, only to lose their coverage entirely. If you were in an accident, get evaluated now, even if you feel fine.
How PIP Coverage Works
- PIP pays 80% of reasonable and necessary medical expenses up to your $10,000 policy limit.
- For most patients, we waive the 20% co-pay, you typically owe nothing out of pocket.
- We bill your PIP carrier directly and handle all the paperwork from day one.
- No referral from a primary care doctor or ER is required, you can come straight to us.
What If the Other Driver Was at Fault?
If your injuries were caused by another driver, you may also have a bodily injury claim against their liability insurance on top of your PIP benefit. We document every visit with detailed clinical records specifically to support that process if it becomes necessary. You focus on healing; we make sure the paperwork holds up.
Your First Visit
We perform a full exam, classify the injury, and begin treatment in a single visit, so you’re covered from day one. Dr. Cody Muren, DC leads our auto injury cases and keeps thorough records at every stage. We see patients from across Jacksonville, Jacksonville Beach, Neptune Beach, Atlantic Beach, and Ponte Vedra Beach.
Call us at (904) 539-3352 or stop by at 13770 Beach Blvd #4, Jacksonville, FL 32224. Tell us the date of your accident and we’ll take it from there.