Insurance companies have been permitted to offer an array of optional deductibles. In 1982 the Florida Legislature reduced the optional deductibles amounts to $250.00, $500.00, $1000.00 and $2000.00.

Under Florida Statute §627.739.(1) an individual may elect a deductible on PIP coverage to apply to the individual alone or to the individual (and dependent, relatives residing in the same household). This deductible does not apply to any other person covered under the policy (i.e., passenger who is not a dependent, relative, pedestrian or bicyclist). The amount payable by the insurance company when the PIP policy carries a deductible is computed by multiplying the total medical expenses by 80% and thereafter subtracting the deductible.

1. Do not give a recorded statement to the other driver’s insurance company. It can be used against you later on. You want to control your case and the release of information. Insurance companies must ask you for your permission in order to record an interview.
2. Do not make friendly conversation with the adjuster. Stick to business only and only tell them the “Who”, “What”, “When”, and “Where” not the “How”. Keep your answers short use “Yes” and “No”.
3. Do not give out information about your family or let them know who your doctors are.
4. Do not sign a medical release. Federal law protects your medical records. The insurance companies may use this release to dig through all your medical history even things not related to the car accident.

Medical Payment Coverage is separate and distinct from PIP benefits whereas the PIP benefits will pay only 80% of the incurred medical expenses. Medical Payment Coverage will pay the remaining 20% of the incurred medical expenses. Should the PIP coverage be exhausted the full $10,000.00 being paid, the medical payment coverage will begin paying 100% of the incurred medical expenses until such coverage is exhausted. Medical pay is optional.  It is like gap insurance for your car.

AAIC combines accident-focused chiropractic care, detailed medical documentation, diagnostic referrals, attorney coordination, and expert witness support when needed to help protect your physical recovery and injury claim.

Detailed records document pain levels, examination findings, treatment progress, referrals, and diagnostic needs. In a car accident injury case, this helps show how the crash affected your body and recovery.

The personal injury protection (PIP) law Florida Statute (§627.736(1)), requires every insurance company writing PIP policies to pay the following benefit after an auto accident:

80% of all reasonable expenses for necessary medical, surgical, X-ray, dental and rehabilitation service including prosthetic devices and necessary ambulance, hospital and nursing services. Such benefits shall include necessary remedial treatment and services recognized and permitted under the law of this state for an injured person who relies upon spiritual means through prayer alone for healing, in accordance with his religious beliefs.

Her reports clearly describe accident injuries, clinical findings, treatment plans, diagnostic recommendations, and patient progress. This gives attorneys strong medical information to better understand and present the injury case.

Your first visit includes a detailed accident history, symptom review, orthopedic and neurological testing, range-of-motion evaluation, injury documentation, and treatment or diagnostic recommendations when medically necessary.

Bring your photo ID, auto insurance information, accident report if available, attorney information if applicable, prior medical records, imaging results, and a list of symptoms since the crash.

Yes. When needed, Dr. Quintero can testify as an expert witness and explain your accident injuries, treatment, diagnostic findings, and medical documentation in a professional and understandable way.

1. Help everyone to a safe place
2. Don’t move your car unless instructed by someone in authority
3. Assist the injured
4. Call 911, Request police, medical and fire assistant as necessary
5. Do NOT discuss the accident with anyone but police
6. Turn on hazard lights and put out markers and flares as appropriate
7. Exchange information with all drivers involved in the accident
8. Get names, addresses and phone numbers of all witnesses
9. Get photographs of vehicles and other objects involved. Include skid marks, if any, and full views of scene
10. Write down everything the others involved in the accident say about it and everything you can remember as soon as you can

Watch for neck pain, headaches, dizziness, shoulder pain, back pain, stiffness, numbness, tingling, spasms, or reduced mobility. These may be signs of whiplash or other accident-related injuries.

MRIs can show soft tissue and spinal injuries that X-rays may miss, including herniated discs, bulging discs, nerve compression, and ligament trauma, providing objective evidence after a car accident.

Recovery depends on the injury, your health, diagnostic findings, and treatment consistency. Some patients improve in weeks, while disc injuries, whiplash, nerve symptoms, or severe soft tissue damage may take longer.

Medical documentation connects your symptoms, exam findings, treatment, and recovery to the accident. Clear records help your doctors, attorney, and insurance company understand the seriousness of your injuries.

Yes. With patient authorization, Dr. Quintero can coordinate with your personal injury attorney by providing medical records, treatment updates, diagnostic findings, and documentation related to your accident injuries.

Mild soreness usually improves within days. Pain that worsens, radiates, limits movement, causes numbness, affects sleep, or triggers spasms may indicate a more serious accident injury needing evaluation.

Untreated whiplash may lead to chronic neck pain, headaches, stiffness, muscle spasms, reduced mobility, and nerve irritation. Early treatment can help reduce inflammation and support better healing.

The doctor of chiropractic is a specialist in spinal musculoskeletal disorders. He or she is expertly trained to diagnose and treat the many musculoskeletal injuries that may occur in an accident or in your daily life. Upon injury the individual often alters the normal position or flexibility of the spinal vertebrae. Chiropractic treatment is designed to restore normal alignment and thus minimize pain and suffering. Gentle manipulative therapy or “adjustment” is often effective in rapidly returning the injured person to a productive status. The doctor of chiropractic can also provide guidance with advice designed to reduce work-related injuries, proper lifting procedures and therapeutic stretching exercises.

Yes. You can be evaluated and treated even without an attorney. The first priority is identifying your injuries, starting proper care, and documenting your condition after the accident.

No referral is usually needed. Car accident patients can contact Airport Accident & Injury Center directly to schedule an evaluation, begin treatment, and document injuries after a South Florida crash.

Some auto accident injuries are hidden and are seldom detected for months or even years. As a result things can occur when an injury is not taken care of properly or the accident victims settle their case with the insurance companies before getting evaluated by a doctor trained in soft tissue injuries. This could be a big mistake. Why? Because you lose the right to have your insurance company pay for treatment if you need it. A good rule of thumb is to be informed of your rights and then make a decision. It is our position that if you were indeed injured you should get the care you need to get back to the way you felt and functioned just before the accident.

It is not the responsibility of the insurance company to pay for anything more than that. They are not responsible for preexisting injuries only the injuries sustained from the accident. Even if you are just sore you should get checked out immediately because you may experience pain, numbness, headaches, muscle stiffness, fatigue, and other problems including arthritis many months down the road. Remember nothing is more important than your health especially when you start to lose it.

You should be evaluated as soon as possible, even if symptoms feel minor. In Florida, early care helps detect hidden injuries, begin proper treatment, and document your condition within the important post-accident timeframe.

As a matter of fact most doctors are not trained in the detection of these hidden injuries. If you have been in an auto accident you need a doctor who is trained in the biomechanics of the human body, someone who treats these injuries every day. In addition xrays can be taken to find out if there has been any structural damage. In our office we evaluate auto accident victims and make any appropriate referrals to other health care providers if needed.

Our primary responsibility is giving you the care if you need it and submitting the required medical reports to the insurance company and your attorney so your rights are protected.

If you have been in an auto accident recently there are important decisions you have to make and if I were you I would make the decisions very carefully.

1. Florida is no fault state, no matter who gets the ticket you are entitled to receive treatment.
2. If the accident is not your fault, insurance companies cannot raise your insurance premium even if you have been treated for injuries.
3. If you don’t have a legal status in the US you are still entitled to receive a minimum of $10,000.00 for treatment of medical benefits.
4. Many people don’t know that you have up to 14 days from the date of the accident to pursue medical and chiropractic care. However it is best that you seek care as soon as possible.
   Under the State of Florida Law you are entitled to receive a minimum of $10,000.00 for medical & chiropractic care.