Even low-speed crashes can cause whiplash, sprains, muscle damage, joint irritation, disc injuries, headaches, and nerve symptoms. A proper exam helps identify injuries that may not be obvious immediately.

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.

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.

No Fault Insurance describes any auto insurance that both requires drivers to carry insurance for their own protection and limits their ability to sue other drivers for damages. Under the no fault law your auto insurance company will pay for your damages (up to your policy limits) regardless of whom was at fault for the accident. Any other drivers involved will be covered by their own auto insurance policies.

Under a pure no fault system drivers would be completely covered by their own policy and would be barred from suing another driver for damages. No state however uses a pure system. Florida uses parts of both, the no fault system, and the standard liability system (under which you are financially responsible for the cost of damages you cause). Florida still permits lawsuits in certain cases. The primary benefit to no fault insurance is that it guarantees every driver immediate medical treatment in the event of an accident.

The actual no fault part of your auto insurance policy is called personal injury protection or PIP.

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.

Expert testimony may be needed when injuries, treatment, diagnosis, or accident-related damages are disputed. In those cases, Dr. Quintero can help explain the medical evidence behind your injury claim.

Yes. Mild pain can be the first sign of whiplash, soft tissue damage, joint injury, or disc trauma. Early evaluation helps identify hidden injuries before they become harder to treat.

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.

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.

Adrenaline and inflammation can delay pain after a crash. Neck stiffness, back pain, headaches, spasms, or soreness may appear later, making early accident injury evaluation important before symptoms worsen.

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.

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.

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.

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.

Whenever the physical or mental condition of the insured is “material” to any claim for benefits the insurance company can require the patient to submit to an Independent Medical Examinations (IME).

Unlike cases involving liability insurance, PIP insurance companies select physicians of their choice. It is important to note that the right of the insurance company to obtain such exams is an integral part of the No-Fault Law. Accordingly, the patient/insured’s refusal to submit to a PIP independent medical exam (even when such refusal is on the advise of counsel) may constitute a material breach of the insurance contract. This will release the insurance company from further liability for payment.

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.

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.

Yes. Crash forces can injure spinal discs, causing bulging or herniated discs. Symptoms may include neck pain, back pain, sciatica, numbness, tingling, or weakness in the arms or legs.

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.

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

Yes. X-rays show bones, but many accident injuries involve muscles, ligaments, joints, discs, and nerves. Chiropractic care evaluates movement, pain patterns, and soft tissue damage that X-rays may not reveal.

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.

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.

An expert witness explains injuries, treatment, test findings, and long-term effects in clear medical terms. This can help the court understand how a car accident affected the patient’s body.

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.