Physical Therapy After a Car Accident (PIP & LOP Accepted)

Yes. All In One Specialty Health accepts Florida PIP (personal injury protection) for physical therapy after a car accident, and we also accept letters of protection (LOP). For PIP to pay, you first need initial care within 14 days of the crash and a referral for physical therapy from that provider. Call (786) 613-7160 and we will explain the next steps.

Under Florida law (§ 627.736(1)(a)), PIP pays medical benefits only if you get initial care within 14 days after the accident. The clock starts on the day of the crash, not the day the pain starts. That initial care must be provided, supervised, ordered or prescribed by a medical doctor (MD), osteopathic physician (DO), chiropractor, dentist or an APRN registered for autonomous practice, or given at a hospital or by emergency medical services. A physical therapist cannot provide that first PIP visit.

Yes. Under PIP, physical therapy is follow-up care, and Florida law requires a referral from the provider who gave you initial care or another qualifying provider (§ 627.736(1)(a)2). Bring the referral or prescription to your first visit. Physicians located in our building can perform the initial PIP evaluation within 14 days, and we coordinate your therapy plan with them. You can also bring a referral from your own doctor or chiropractor.

PIP medical benefits go up to $10,000 if a medical doctor, osteopathic physician, dentist, physician assistant or APRN determines that you had an emergency medical condition (EMC). If a provider determines that you did not have an emergency medical condition, medical benefits are limited to $2,500. A physical therapist or a chiropractor cannot make the EMC determination. Within the limit, PIP pays 80% of reasonable, medically necessary expenses.

If you did not get initial care within 14 days, PIP can deny medical benefits. Other coverage may still apply, such as your health insurance, Medicare, workers' compensation if the crash happened while you were working, or a letter of protection if you have a claim against the at-fault driver. Call us to check which of the plans we accept fits your situation, and talk to an attorney about legal questions. This is not legal advice.

Yes. With a letter of protection (LOP), your treatment is paid later from a settlement or judgment in your injury case, which your attorney usually arranges. In a lawsuit, Florida law (§ 768.0427(3)) requires disclosing the letter, itemized and coded bills, whether you had health coverage, and whether you were referred for treatment and by whom. Ask your attorney how this applies to your case.

For PIP, we bill your auto insurer directly. Billing directly does not guarantee coverage: what PIP pays depends on your policy and your claim. We review your PIP benefits with you before treatment starts, but we cannot promise approval or an amount.

Yes. All In One Specialty Health is a bilingual clinic: you can call, be evaluated and do your physical therapy in Spanish or English.

No. Florida PIP medical benefits do not include massage therapy or acupuncture, no matter who provides them (§ 627.736(1)(a)5). Physical therapy can be covered as follow-up care with a referral, within the limits above.