Do You Accept PIP Insurance?

Quick Answer: Yes. McNamara Chiropractic Center accepts PIP (Personal Injury Protection) insurance for patients injured in car accidents. Florida requires all drivers to carry PIP coverage, which pays for up to $10,000 in medical treatment with no out-of-pocket cost — as long as you seek care within 14 days of the accident. We handle all PIP billing directly.

---

The Full Answer

If you've been in a car accident in Florida, understanding PIP insurance is critical — and we're here to make it simple. McNamara Chiropractic Center has extensive experience treating auto accident patients under PIP, and we take care of all the billing and documentation so you can focus on recovering.

What Is PIP Insurance?

Personal Injury Protection (PIP) is a mandatory form of auto insurance in Florida. Unlike liability-based systems where you must prove fault before receiving benefits, PIP is no-fault — meaning your own insurance policy pays for your medical care regardless of who caused the accident.

Florida law requires all registered vehicle owners to carry a minimum of $10,000 in PIP coverage. This is your money — set aside specifically to cover medical treatment after an accident.

How PIP Coverage Works in Florida

Here's what you need to know:

• Coverage amount: $10,000 for emergency medical conditions; $2,500 for non-emergency conditions
• Who is covered: You, your household family members, and passengers in your vehicle (if they don't have their own PIP)
• Fault doesn't matter: PIP pays regardless of who caused the accident
• The 14-day rule: You must seek medical treatment within 14 days of the accident to be eligible for the full $10,000 benefit. If you wait longer than 14 days, you forfeit your right to PIP coverage entirely.
• Your share: PIP covers 80% of reasonable medical expenses and 60% of lost wages. The 20% medical copay is typically waived at our office.

What PIP Covers at Our Office

When you come to McNamara Chiropractic Center after an accident, PIP covers:

• Initial examination and diagnostic assessment
• Chiropractic adjustments
• Soft tissue therapies
• Rehabilitation and therapeutic exercises
• Electric muscle stimulation and ultrasound
• Spinal decompression (when prescribed)
• Class IV laser therapy (when prescribed)
• All required medical documentation for your case

Why You Should Seek Treatment Immediately

Crash symptoms — especially whiplash, back pain, and soft tissue injuries — often don't peak until 24 to 72 hours after the accident. Many people feel okay initially and wait to see if symptoms develop. This is a mistake for two reasons:

1. Delaying care allows injuries to worsen. Untreated inflammation and muscle spasm can become chronic conditions.
2. The 14-day clock starts at the accident, not when your symptoms appear. Waiting more than two weeks costs you your benefits.

If you were in an accident today and you're not sure whether you need care, come in for an evaluation. You are not obligated to begin treatment — but getting examined protects your health and your legal rights.

How We Handle PIP Billing

We handle all PIP insurance paperwork directly so you don't have to navigate the process alone:

• We verify your PIP coverage with your insurer before your first visit
• We bill your insurance directly — no upfront payment from you
• We provide all required documentation if you have a personal injury attorney
• We coordinate with your attorney's office if litigation is involved

McNamara Chiropractic Center is experienced in working with personal injury law firms throughout Broward County. If you have an attorney, we'll coordinate with their office. If you don't, we can refer you to a reputable personal injury attorney if needed.

---

Were you in a car accident? Don't wait — call McNamara Chiropractic Center now at (954) 943-1100. We offer same-day appointments for accident victims. Visit us at 3320 N. Federal Highway, Suite 101, Lighthouse Point, FL 33064.

→ Can chiropractic care help after a car accident?
→ Back to all FAQs