What Happens in Physical Therapy vs. Chiropractic Therapy in Florida
In many states in car accident injury cases, insurance adjusters are suspicious of physical therapy and chiropractic treatments. However, in Florida, Personal Injury Protection (PIP) statute regulates more precisely this problem.
The minimum limits for medical bills covered by PIPIf you are hurt in a car accident in Florida and you are covered by PIP, the minimum limit for medical bills is $10.000 when you have an emergency medical condition. The condition must be determined by a physician, dentist, physician assistant, or advanced registered nurse practitioner in the first 14 days after the car accident.
If you don't have an emergency medical condition, the minimum limit for medical bills is $2.500. The condition has to be determined by a physician, dentist, chiropractic physician, physician assistant, advanced registered nurse practitioner, physical therapist or person licensed to provide emergency transportation and treatment in the first 14 days after the car accident.
Physical therapyA physiotherapist is a medical professional providing treatment in case of injury, assisting and restoring mobility and function. They are not medical doctors and cannot prescribe medication.
Physiotherapists are movement scientists and have expertise in restoring all movement related dysfunctions by designing a program of exercises and performing manual therapy techniques like joint manipulation and tissue mobilization.
Physical therapy is a common treatment in injury claims. In Florida, after a car accident, you can seek treatment directly from a physical therapist and receive compensation for the medical bills, provided your medical condition is not an emergency one and you request the assistance in the first 14 days after the incident.
Chiropractic therapyA chiropractor is a trained practitioner engaged in the diagnosis and treatment of mechanical disorders of the musculoskeletal system. They are not medical doctors, but in Florida, they are considered health care providers.
Chiropractors practices are neurology related and orthopedic related. Also, they can work on the general alignment restoration of the skeletal system. Chiropractic adjustment may be performed for soft tissue mobilization or joint adjustment.
In Florida, under PIP statute you have a short window of time (14 days) to seek the maximum amount of medical benefits. A chiropractor can provide primary care services in non-emergency medical conditions; therefore, if you need chiropractic care you must seek medical attention within 14 days of the incident to benefit from the maximum amount of benefits available.
Massage therapy and acupuncture services are not covered under the PIP statute in Florida, even when a medical doctor is overseeing these services.