If you’ve been injured in a car accident, understanding Florida Personal Injury Protection (PIP) insurance is one of the first steps toward getting the care you need.
At Complete Care, we focus on helping people recover from auto accident injuries while guiding them through the PIP process from start to finish.
From your initial evaluation through every stage of your recovery, our goal is to make accessing quality injury care as simple and stress-free as possible.
You don’t have to navigate insurance requirements or the recovery process alone—our team is here to help guide you every step of the way.
Complete Care primarily treats injuries resulting from auto accidents. While we do not accept major medical insurance, we do accept Florida PIP insurance, which is how many of our patients pay for treatment after an accident.
We also provide medically necessary diagnostic imaging, including MRI services when appropriate, as part of your personalized treatment plan. If additional specialty services are needed, our coordinated care team can help connect you with the right providers within the Complete Care network.
We also offer self-pay options for patients who need alternative payment solutions.
Personal Injury Protection (PIP)—also called no-fault insurance—helps pay for medical care and certain other accident-related expenses after a car accident, regardless of who caused the crash.
Florida law requires drivers to carry at least $10,000 in PIP coverage, which helps pay for medical treatment after an accident.
PIP provides up to $10,000 in combined medical and disability benefits, including:
If your injury is not determined to be an emergency medical condition (EMC), available benefits are limited to $2,500.
Although both help pay for healthcare expenses, PIP insurance and health insurance serve different purposes after a car accident.
PIP pays first for accident-related medical care and also helps cover expenses that health insurance typically doesn’t, such as a portion of your lost wages. It also extends coverage to passengers injured in your vehicle, regardless of whether they have health insurance.
Yes. Florida requires drivers to carry PIP insurance regardless of whether they have health insurance. After a car accident, PIP is generally the first source of coverage for injury-related treatment.
Your health insurance may help cover eligible expenses once your PIP benefits have been exhausted, depending on your policy.
PIP is often confused with other types of auto insurance coverage.
Because Complete Care accepts PIP insurance, it is typically the primary way patients pay for treatment after a car accident.
To qualify for PIP benefits in Florida, you must receive a medical evaluation within 14 days of your accident. Waiting longer may result in losing your eligibility for benefits.
Take these steps after an accident:
Complete Care offers same-day appointments, walk-in availability, telemedicine services, and transportation assistance for qualifying patients, making it easier to receive care within Florida’s important 14-day treatment window.
Florida PIP insurance helps pay for a variety of accident-related expenses.
| PIP Covers | PIP Does Not Cover |
|---|---|
| 80% of medical expenses | Vehicle repairs |
| 60% of lost wages | Property damage to another vehicle or structure |
| Mileage reimbursement for medical appointments | Medical expenses exceeding your available PIP benefits |
| Up to $5,000 in death benefits | Certain deductible amounts |
Getting medical care after a car accident can feel overwhelming, but it doesn’t have to be.
At Complete Care, we help simplify the process by providing coordinated injury care while helping you understand how your PIP benefits apply to your treatment.
From your first appointment, our team works to ensure you receive the right care at the right time. Every recovery plan is tailored to your injuries, your goals, and your progress because no two accidents—or patients—are exactly alike.
If your treatment requires additional services, our coordinated care model makes it easy to access advanced diagnostics and specialty care within the Complete Care network.
Rather than navigating multiple providers on your own, you’ll have a care team helping guide your recovery every step of the way.
Our approach focuses on active recovery, not just pain management. Treatment is designed to help you restore strength, improve function, and return to the activities that matter most to you.
Throughout your recovery, our goal is for you to feel cared for and cared about. We understand that recovering after an accident involves more than treating an injury—it also means helping patients feel informed, supported, and confident throughout the process.
Remember, Florida’s PIP law requires you to be evaluated within 14 days of your accident to remain eligible for benefits. Complete Care offers:
These services help make it easier to receive care quickly so you can begin treatment without unnecessary delays.
Complete Care works with most auto insurance carriers for patients receiving treatment after a car accident.
For medically necessary MRI and neurological diagnostic testing, we work with most auto insurance companies, as well as participating insurance carriers, third-party administrators (TPAs), and authorized referral sources.
Florida PIP insurance provides up to $10,000 in combined medical and disability benefits. This typically includes:
If your injuries are not determined to be an emergency medical condition (EMC), benefits are generally limited to $2,500.
Yes. Florida requires drivers to carry PIP insurance regardless of whether they have health insurance.
After a car accident, PIP is generally the first source of coverage for injury-related medical care. Health insurance may help cover eligible costs after your available PIP benefits are exhausted.
Yes. When medically necessary, PIP benefits may cover diagnostic imaging as part of your accident-related medical care.
Complete Care offers on-site diagnostic imaging services, including X-rays, Open/Wide-Bore MRI, and advanced brain imaging technologies such as Diffusion Tensor Imaging (DTI) and Susceptibility Weighted Imaging (SWI) at select locations.
Yes. Florida law requires drivers to carry at least $10,000 in personal injury protection coverage to register and operate a four-wheel vehicle. PIP helps cover medical expenses and certain other costs after a car accident, regardless of who caused the collision.
Florida law requires you to receive a medical evaluation within 14 days of your accident to qualify for PIP benefits. Waiting longer could affect your eligibility for coverage.
Complete Care offers same-day appointments, walk-ins, telemedicine, and transportation assistance to qualifying patients, helping you receive care as quickly as possible.
Depending on your circumstances, self-pay options may be available. Our team can review your situation, explain your payment options, and help you determine the best path forward.
If you’ve been injured in a car accident, don’t wait. Early evaluation is one of the most important steps you can take for both your health and your PIP benefits.
Call 844-699-2273 or request an appointment today to begin your personalized recovery journey with Complete Care.