Ever have a door slammed in your face? If you don’t know the new law, the auto insurance companies will do it to you.
The Beginning of Crazy
There are some people (in South and Central Florida) who stage an automobile accident, find a cooperating doctor who says they are badly injured, and then, have a cooperating attorney sue the auto insurance companies for big money. This part of the story isn’t the crazy part; this part is factual. It is illegal, of course, there are laws against it, and there have been convictions that put people in jail. Some doctors and lawyers have lost their licenses because of insurance fraud. There are plenty of laws on the books, and when these laws are enforced, people get convicted.
SO – What does the insurance industry want to do? They make the claim that more laws will fix the insurance fraud problem and will lower auto insurance rates for all Floridians.
Lower Rates? – Sounds good!
The new law is proposed. As it goes through the various insurance committees, the guaranteed reduction of insurance rates gets dropped. The rest of the law continues through the Legislature. Our Governor, Rick Scott, pushes this legislation with all the influence he has. He calls legislators asking for their support for this bill. Not surprisingly, it gets passed.
What is in the final bill?
The insurance industry earns billons due to the reduced payments and benefits for Florida drivers who have been injured, AND no promise of auto insurance rate reductions. Politics are wonderful… NOT!
How It Affects You
The new law forces you to see a doctor right away whether you think you’re hurt or not. It takes away your insurance coverage for this accident if you don’t see a doctor within two weeks. THAT SOUNDS IMPORTANT, so I’ll repeat it – You must see a doctor, any doctor, MD or chiropractor, before the 14th day or forever lose your insurance coverage for this accident.
What To Do
If you have a consultation with me within that 14 day window, I might tell you to go home rest it another week, BUT you have your foot in the door. I can document that we consulted within 14 days, and you won’t be locked out of your insurance coverage.
I can tell you from experience that the insurance companies play hard ball. I consulted with a young lady on day 16 and they told us very quickly that they had no responsibility at all. She missed her 2 week limit. The auto coverage that she paid for was gone.
Auto insurance is supposed to cover you if you are in an accident. Don’t let them mess with you. IF ANYBODY YOU KNOW IS IN AN ACCIDENT, tell them to see a doctor within 2 weeks to protect themselves against these problems. Get your foot in the door so it won’t slam shut in your face.