Individuals in car accidents will have only 14 days to seek initial treatment as opposed to the previous policy that placed no time limit on treatments. If treatment is sought after two weeks, nothing will be reimbursed by the insurance company. Further, policyholders may be eligible for only $2,500 in coverage, as opposed to the previous limit of $10,000. Only those with serious injuries are eligible for the higher limit, while those with less severe injuries will receive only up to $2,500.
Take pictures & photographs of the damage to the vehicles.
Even in a minor accident it is important to make sure there is a legal accident report. Do not leave the scene until the police file a full report. Make sure you have your accident report and auto insurance information with you to your initial chiropractic visit.
Try to stay calm. Panic can make others panic and the situation worse. There needs to be a calm person to determine the extent of damage and to determine if there are any injuries that need immediate medical attention. After you call the authorities, make sure you call your chiropractor to schedule an exam in order to receive your full medical benefits as stated by Florida Statute 627.736.
Call your agent or insurance company’s 800-number immediately, even at the scene with the police if possible. Sometimes the police officer can give your insurance company more accurate information rather than information you may not be recording properly because you are upset by the accident. This can save you a lot of time later waiting for your claim to be processed. Do not sign any documents without having an attorney review the documents first.