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Emergency Medical Conditions

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Understanding emergency medical conditions from
automobile accidents

In 2012, the Florida Legislative branch passed the Personal Injury Protection (PIP) statute. This statute essentially provides all Florida drivers with insurance coverage for 80 percent of their medical expenses after an automobile accident. This statute covers up to $10,000 worth of medical expenses and only applies to people who have sought treatment within 14 days of the automobile accident. Part of the PIP statute includes a clause stating people whose injuries qualify as an emergency medical condition (EMC) receive full coverage up to $10,000 as opposed to the 80 percent provided in other cases.

Understanding PIP to know when you qualify for EMC coverage

The PIP statute outlines an EMC as an injury with one or more of these three conditions:
  1. Serious threat to the health of the patient
  2. Serious impairment to functions in the body
  3. Serious dysfunction of any organ or body part
These conditions are a little vague, so many people are confused about when it’s okay to make an EMC claim. Insurance companies will deny your claim for EMC coverage if some specific actions do not take place. Talk to your doctor who’s treating your injuries from an automobile accident. Ask him or her if your injuries qualify as an EMC and make sure they remember to include the term “emergency medical condition” in your medical report for you to show your insurance provider.

Getting treatment for an automobile accident injury

If you’ve been involved in an automobile accident, you should always seek medical treatment afterward. You may not be in any pain after an accident, but many injuries do not cause pain or any symptoms until a day or two after the accident. By this point, treatment may be more difficult and recovery may take more time. At Florida Spine and Joint, we treat a variety of automobile accident injuries. Our healthcare professionals can perform an evaluation to determine if you’ve been injured or have an EMC. Whether you have a minor injury or an EMC, we have a variety of treatments that can help you recover.

Treating automobile accident injuries at
Florida Spine and Joint

Have you recently been involved in an automobile accident? Our team is ready to help. Contact us today to learn more about treating automobile accident injuries or to schedule an appointment.