In a Car Accident?
Call Us First.
Don't wait for symptoms to worsen. We specialize in identifying and treating hidden car accident injuries — and we handle your insurance so you don't have to.
Important: Whiplash symptoms can take 24–72 hours to appear. Don't assume you're fine — get evaluated today.
The Florida PIP 14-Day Rule
Most accident victims don't know this law exists — and missing this deadline can cost you thousands of dollars in medical coverage.
Critical Deadline: 14 Days
Under Florida Statute §627.736, you must seek medical treatment within 14 days of your car accident to qualify for Personal Injury Protection (PIP) benefits. Miss this window and your insurance company is legally allowed to deny your entire claim.
What Is Florida PIP?
Florida is a no-fault insurance state. This means your own auto insurance — not the other driver's — pays for your medical bills after an accident, regardless of who caused it. Every Florida driver is required to carry a minimum of $10,000 in PIP coverage.
PIP covers 80% of your medical bills and 60% of lost wages up to your policy limit. Chiropractic care is fully covered under PIP — but only if you see a doctor within 14 days.
What PIP Covers
Your 14-Day Window
Adrenaline masks pain — you may feel fine. This is normal and dangerous.
Whiplash, neck stiffness, headaches, and back pain begin to appear.
This is your window. Call us immediately — same-day appointments available.
After 14 days, your insurance can legally deny all medical coverage. You pay out of pocket.
Emergency vs. Non-Emergency Classification
Florida law also distinguishes between emergency medical conditions (EMC) and non-emergency conditions. If your injury is classified as an EMC, you receive the full $10,000 PIP benefit. Non-emergency conditions are capped at $2,500.
Dr. Plummer can evaluate and document your condition to ensure it is properly classified — protecting your full benefit entitlement.
Don't let the insurance company classify your injury for you. Proper medical documentation from day one is the difference between $2,500 and $10,000 in coverage.
Don't Lose Your PIP Benefits
Call Dr. Plummer today — same-day appointments, all Florida insurance accepted, no out-of-pocket cost.
Car Accident Injuries We Specialize In
These injuries are often invisible on standard X-rays but cause years of chronic pain without proper chiropractic treatment.
Whiplash
The most common car accident injury. Rapid back-and-forth neck movement damages muscles, ligaments, and cervical discs. Symptoms often appear 24–72 hours after the accident.
Post-Accident Headaches
Headaches following a car accident are a red flag for cervical spine injury. They can indicate concussion, whiplash, or nerve damage that requires immediate evaluation.
Back & Lumbar Injuries
The force of a collision compresses the lumbar spine, causing disc herniations, facet joint injuries, and muscle strains that become chronic without proper treatment.
Radiating Nerve Pain
Numbness, tingling, or shooting pain into the arms or legs following an accident indicates nerve compression from spinal injury — a serious condition requiring immediate care.
Spinal Misalignment
The impact of a collision can shift vertebrae out of proper alignment, creating nerve pressure and muscle imbalances that cause widespread pain and dysfunction.
Soft Tissue Damage
Muscles, tendons, and ligaments are often torn or strained in accidents. Without proper treatment, scar tissue forms and creates chronic pain and restricted movement.
Week-by-Week: With vs. Without Treatment
See exactly what your recovery looks like when you get care early — versus what happens when you wait. The difference is dramatic.
Day 1–3
The Accident & First Contact
Without Treatment
- Adrenaline masks all pain — you feel "fine"
- Inflammation begins silently in soft tissue
- Spinal misalignment goes undetected
- Most people wait, hoping it goes away
With Dr. Plummer
- Call Dr. Plummer — same-day evaluation
- Full injury assessment & documentation
- PIP insurance activated within 14-day window
- First adjustment — immediate relief begins
Without early care, scar tissue starts forming within 72 hours.
Same-day appointments · No out-of-pocket cost · PIP insurance accepted
What Happens When You Call Us
Call Us Immediately
Call within 24 hours of your accident. We'll schedule you for same-day or next-day evaluation.
Comprehensive Evaluation
We thoroughly examine and document all injuries — essential for your insurance claim and recovery.
Personalized Treatment
Targeted chiropractic care to heal whiplash, spinal injuries, and soft tissue damage.
Insurance Handled
We work directly with your auto insurance. Most accident care is covered at no cost to you.
Patients Who Came In Hurting
Left Feeling Better
These are real Google reviews from patients who came to Dr. Plummer after accidents and acute injuries — in their own words.
5.0
Average Google Rating
30+
Verified Google Reviews
25+
Years Treating Accident Patients
100%
Insurance Handled For You
“Dr. Plummer was able to open his office after hours to make an adjustment for my back pain. I was scarcely able to walk when I went in and was able to walk easier on my way out! Thanks Dr. Plummer!”
Mary K.
Back Injury
“I was in a lot of pain in my neck and upper back that radiated into my right shoulder. He got me some relief right away. Dr. Plummer told me if I am still having problems tomorrow to call and he would get me in right away. That's pretty nice.”
Russell K.
Neck & Shoulder Injury
“When I went in I could barely walk. Within two days I was back to normal.”
Michele P.
Back Injury
“I called Saturday morning with severe neck pain. Dr Plummer agreed to meet me in the office within 1/2 hour and was able to give me significant reduction in my pain. I truly appreciate that he was so responsive. I highly recommend Dr Plummer.”
Nick T.
Severe Neck Pain
“Had severe pain and got in to see the Doctor same day. He did an adjustment and I got immediate relief.”
David C.
Acute Spinal Pain
“Appreciate the quality and timely service. Was in a fair bit of pain which was relieved quickly.”
Brad B.
Acute Injury
Ready to be the next success story?
Same-day appointments · All Florida insurance accepted · No out-of-pocket cost
What to Bring to Your First Appointment
Being prepared helps us start your treatment faster and ensures your insurance claim is properly documented from day one.
Patient Intake Checklist
Auto Insurance Card
RequiredYour Florida PIP coverage info. If you have MedPay or umbrella coverage, bring those cards too.
Police / Accident Report
RequiredThe official report from the responding officer. If you don't have it yet, we can help you obtain it.
Photo ID
RequiredDriver's license or government-issued ID for patient intake and insurance verification.
Accident Scene Photos
HelpfulPhotos of vehicle damage, the scene, and any visible injuries. These support your injury documentation.
ER / Urgent Care Records
HelpfulIf you visited an ER or urgent care after the accident, bring any discharge papers or imaging results.
Attorney Contact Info
If ApplicableIf you've already retained a personal injury attorney, bring their name and contact info so we can coordinate.
Don't have everything? Come anyway — don't let missing paperwork delay your care. We can help you track down records and work with your insurer directly.
What to Expect at Your First Visit
Intake & Insurance Verification
~10 minWe collect your information and verify your PIP coverage directly with your insurer — no paperwork stress for you.
Full Injury Evaluation
~20 minDr. Plummer performs a comprehensive exam of your spine, neck, and soft tissue to identify all accident-related injuries.
Imaging if Needed
As neededX-rays or referrals for MRI may be ordered to document the full extent of your injuries for your insurance claim.
Treatment Plan & First Treatment
~20 minWe begin treatment the same day and create a personalized recovery plan. Most patients feel relief immediately.
Total first visit time: approximately 45–60 minutes
Quick Tips Before You Come In
- Wear comfortable, loose-fitting clothing — we may need to examine your neck and back.
- Write down all symptoms, even minor ones — headaches, tingling, stiffness, sleep issues.
- Note the exact time and location of the accident for your records.
- Do NOT give a recorded statement to any insurance adjuster before being evaluated.
- Avoid signing any settlement releases until you've completed treatment.
Frequently Asked Questions
Real answers to the questions accident victims ask most — especially about insurance coverage.
General Questions
PIP Insurance Questions
Still have questions? Dr. Plummer will answer them personally — no obligation.
Request a Free Callback
Not ready to call? Fill out this form and Dr. Plummer will personally reach out to answer your questions — no pressure, no sales pitch, just honest answers about your situation.
Dr. Plummer Calls You Personally
Not a receptionist or call center — the doctor himself will reach out.
Response Within 2 Hours
We prioritize accident victims. You'll hear back fast, especially within the 14-day window.
Completely Confidential
Your information is never shared. This is between you and Dr. Plummer.
Zero Cost to You
The consultation is free. Your PIP insurance covers treatment — no out-of-pocket expense.
Free Consultation Request
We'll call you back — usually within 2 hours.
Don't Let Your Injury Become Chronic
Call us today — same-day appointments, insurance handled, no out-of-pocket cost.