Using PIP Insurance for Physical Therapy After a Florida Car Accident: A Patient's Guide
How to use Florida PIP insurance for physical therapy after a car accident. Coverage limits, the 14-day rule, referrals, and what to expect.
In Florida, Personal Injury Protection (PIP) insurance pays up to $10,000 for medical care, including physical therapy, after a car accident, but only if you receive an initial medical evaluation within 14 days of the crash. PIP typically covers 80% of approved physical therapy costs, and you do not need a referral to start treatment with a licensed physical therapist in Florida. To use your benefits fully, you must be diagnosed with an "emergency medical condition" by a qualified provider;…