Have an Emergency Medical Condition (EMC)?
An Emergency Medical Condition, often called an EMC, is a medical report which can be issued by a doctor after an auto accident. The purpose of the EMC is to cause the auto insurance company to release the full amount of PIP coverage for medical expenses. PIP is Personal Injury Protection , and is required coverage provided for automobile owners in the state of Florida.
If your auto accident injuries result in an Emergency Medical Condition – requiring you to return to a doctor or chiropractor after your initial exam, it is important to have the documentation of the initial injury completed promptly by a medical doctor. While the medical condition may not seem like an “emergency” for the emergency room, the PIP insurance terminology still labels it an Emergency Medical Condition, and still requires the EMC report by a medical physician.Yr Chiropractor May Refer You for an Emergency Medical Condition
If you’ve been injured in an auto accident in Florida, auto insurance limits the amount of PIP money the injured patients can access for medical care until a medical physician (not a chiropractor) issues this important medical report. Once you are seen by the medical physician, your PIP funds increase from $2,500 to $10,000.
In the past this meant that patients seeing a chiropractor would be referred out to a medical physician to secure the EMC. Often that meant waiting weeks to get an appointment with a physician, driving long distances to the physician’s office, and waiting in a crowded lobby with sick patients. But now, with a simple text link to your cell phone you can access medical physicians from the comfort and privacy of your own home and an EMC can be issued the same day. Remember the responsible car insurer pays for the telemedicine visit.Aer an Accident, get a Medical Exam
Even if your injuries seem to be minor, it is important to have your injuries documented. If you went to an attorney, they would refer you for an examination, but what if the accident was your fault? You still deserve to get whatever medical coverage you may need after an accident. If you qualify for Emergency Medical Condition (EMC), then you will be glad you got the documentation you needed so that your injuries get the proper medical treatment. It is important to talk to an auto injury specialist to determine if an Emergency Medical Condition EMC is necessary.
It can sometimes be tempting to put off what appears at first to be minor injuries, especially if you were at fault for the accident. Claiming coverage under your PIP will not damage your insurance scores – the accident itself has already done that and claiming PIP coverage for your injuries will not make matters worse.
Now you Can Get an EMC Exam from the Comfort of Home.
With Florida Injury Medical Centers’ new telemedicine portal all that hassle and risk has been eliminated. Now from the comfort and safety of your own home through a simple cell phone connection, you can see a Board-Certified Medical Physician 24/7 anywhere in the state of Florida who will issue the EMC on your time schedule.
Call 866-402-4250 now and have your EMC issued today.
