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What is EMC & What Injuries Qualify Under PIP?

pip insurance coverage Orlando

PIP insurance coverage is not always awarded the same regardless of what injuries you get. Payer Law is an Orlando car accident lawyer and we know that the severity of your injuries makes a significant difference in the amount of compensation that you receive. Some injuries are qualified as EMC and these are paid far better than injuries that fall under non-EMC. However, these decisions are not made by you or the court and it is this decision that could impact how your case turns out. If you are interested in learning more about PIP and EMC, contact us at Payer Law today.

What is EMC & How Does it Impact PIP Insurance Coverage?

EMC is otherwise known as the emergency medical condition. When you are injured in a car accident, your injury could be considered as an emergency medical condition. If it is, you could receive more PIP than you would if it was deemed a non-emergency medical condition. The way that EMC is determined is by a medical professional. After your accident, you must visit the doctor within fourteen days. From there, they will determine if you have an emergency medical condition. If they determine that you do have an EMC, you can receive up to $10,000. However, if you go to the doctor and they determine that you do not have EMC, you can only receive up to $2,500.

The portion that is more complicated for people to understand is that EMC does not have to be declared within fourteen days. Rather, the only thing that is required of you is that you go to see the doctor within the fourteen days. However, it is expected that your tests and imaging will take some time to come in so it may take some time before your doctor can accurately determine your condition.

EMC is determined by a medical professional by checking to see if it falls under certain criteria. The criteria are as follows:

  • Serious jeopardy to the patient’s health
  • Serious impairment of bodily function
  • Serious dysfunction of any bodily organ or part

These definitions can be found under the Florida Statute 627.732, which discusses PIP in detail. If a medical professional determines that your injuries fall into these categories, you can then file for PIP up to $10,000.

Do You Need an Orlando Car Accident Lawyer?

As an Orlando car accident lawyer, Payer Law knows the intricacies of what happens after an accident and how to get the compensation that you deserve. If you have been in an accident and you need help in getting your PIP insurance coverage so that you can recover, do not hesitate to contact us.

Contact Us

Payer Law is an attorney located in Orlando. We have dealt with a number of car accidents in the past and we know what it can mean to qualify and not qualify for EMC. We can help you make sure that you get the compensation that you need. Contact us if you would like to learn more about our services.

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