Understanding Your
Auto Insurance Benefits
If you were injured in a car accident in Florida, your auto insurance policy includes medical benefits that activate immediately — regardless of who was at fault. Here’s what you need to know.
Florida’s 14-Day Rule — Don’t Wait
Florida law requires that you seek medical evaluation within 14 days of your accident to access your Personal Injury Protection (PIP) benefits. Miss this window and your auto insurance may deny coverage entirely — even if your injuries are real and documented. If you were in an accident, call us today.
No Surprise Billing
PainMed complies fully with federal No Surprise Billing protections. You will always know what to expect before any service is rendered — no unexpected charges, no hidden fees.
Your auto insurance covers your medical care
Florida is a no-fault insurance state. That means your own auto insurance policy — not the other driver’s — pays for your medical treatment after an accident, regardless of who caused it.
This coverage is called Personal Injury Protection, or PIP. It’s included in every Florida auto insurance policy by law.
What your PIP benefits include
- Emergency and acute care visits after an accident
- Pain management evaluations and treatment
- Diagnostic imaging — X-ray, MRI coordination
- Interventional procedures when medically indicated
- Physical therapy and rehabilitation
- EMG and nerve conduction testing
- Follow-up care throughout your recovery
- Up to 60% of lost wages due to injury
Emergency Medical Condition (EMC)
Florida law distinguishes between an Emergency Medical Condition and a non-emergency injury. If a licensed physician determines your injury qualifies as an EMC, the full $10,000 in PIP benefits becomes available. Our physicians perform this evaluation at your first visit — it is a standard part of your initial assessment.
Insurance plans we work with
PainMed works with a range of insurance coverage types for personal injury patients. Contact our office to verify your specific plan before your first visit.
Auto Insurance (PIP)
Florida Personal Injury Protection coverage is the primary payer for most of our patients. We work directly with your auto carrier.
Health Insurance
We work with major health insurance plans for patients whose auto PIP benefits have been exhausted or are not applicable to their case.
Workers’ Compensation
Patients injured on the job may have workers’ compensation coverage that applies to their pain management care. Call our office to discuss your situation.
Not sure what coverage applies to your situation? Call us — we’ll help you understand your options.
Call 813-668-0000Steps to protect your health and your benefits
Get Medical Care
Seek evaluation as soon as possible — within 14 days is required by Florida law to preserve your PIP benefits.
Call PainMed
Call 813-668-0000. We’ll get you scheduled quickly — often the same week. Bring your insurance card and accident details.
Get Evaluated
Dr. Eldeeb will evaluate your injury, document your condition, and determine whether your injury qualifies as an EMC under Florida law.
Begin Treatment
Treatment begins promptly. We handle the insurance billing — you focus on getting better.
PIP insurance — common questions
What is Florida PIP insurance?
Personal Injury Protection (PIP) is a mandatory component of every Florida auto insurance policy. It provides up to $10,000 in medical benefits for injuries sustained in a car accident, regardless of who was at fault. Florida Statute §627.736 governs PIP coverage requirements.
Does PIP cover pain management and injections?
Yes. PIP covers reasonable and necessary medical expenses related to your accident injury, including evaluations, diagnostic testing, and interventional pain procedures when medically indicated by your treating physician.
What happens if I don’t seek care within 14 days?
If you do not receive a medical evaluation within 14 days of your accident, your auto insurance carrier may deny your PIP claim entirely — even if your injuries are genuine. This is why prompt evaluation is critical. Call us as soon as possible after your accident.
What is an Emergency Medical Condition (EMC)?
Under Florida law, if a licensed physician determines your injury constitutes an Emergency Medical Condition, you are entitled to the full $10,000 in PIP benefits. Without an EMC determination, benefits are capped at $2,500. Dr. Eldeeb performs this assessment as part of your initial evaluation.
Do I need health insurance to be seen at PainMed?
Not necessarily. For auto accident injuries, your Florida PIP coverage is typically the primary payer. If you have questions about your specific coverage situation, call our office before your first visit and we’ll help clarify what applies to you.
What should I bring to my first appointment?
Bring your photo ID, your auto insurance card, any health insurance card you have, a list of current medications, and any prior medical records or imaging related to your accident if available. You don’t need to bring anything else — our team will walk you through the rest.
Don’t wait — the 14-day window matters
Call us today to get scheduled. Same-week appointments available. Saturday hours offered.