Plummer Chiropractic
Car Accident Specialist · Englewood FL
In a Car Accident?
Call Dr. Plummer First.
Florida law gives you only 14 days to see a doctor after an accident or your PIP insurance can deny your entire claim. We handle everything — same-day appointments, PIP billed directly, no out-of-pocket cost.
Adrenaline masks pain for 24–72 hours. You may feel fine right now — but whiplash and disc injuries often appear days later. Don't wait.
Florida Statute §627.736: You have 14 days from your accident to see a doctor or your PIP insurance can deny your entire claim. Every day you wait costs you.
Your PIP Insurance
Pays for Everything.
Florida is a no-fault insurance state. Your own auto insurance — not the other driver's — pays your medical bills after an accident, regardless of who caused it. Every Florida driver carries a minimum of $10,000 in PIP coverage.
PIP covers 80% of your medical bills and 60% of lost wages. Chiropractic care is fully covered — but only if you see a doctor within 14 days of the accident.
What Your PIP Covers
Same-Day Appointments · PIP Billed Directly · No Out-of-Pocket
Your 14-Day Window
Adrenaline masks pain — you may feel completely fine. This is normal and dangerous.
Whiplash, neck stiffness, headaches, and back pain begin to appear as adrenaline fades.
This is your window. Call us — same-day appointments available. We handle all insurance.
After 14 days, your insurer can legally deny all medical coverage. You pay everything out of pocket.
We Handle Everything For You
Car Accident Injuries
We Treat Every Day
These injuries are often invisible on standard X-rays but cause years of chronic pain without proper chiropractic treatment.
Whiplash
Rapid neck snap damages muscles, ligaments & cervical discs. Symptoms often appear 24–72 hours later — not immediately.
Post-Accident Headaches
Headaches after a crash signal cervical spine injury, concussion, or nerve damage. Never ignore them.
Back & Lumbar Injuries
Collision force compresses the lumbar spine causing disc herniations and facet joint injuries that become chronic without care.
Radiating Nerve Pain
Numbness, tingling, or shooting pain into arms or legs means nerve compression from spinal injury — needs immediate evaluation.
Herniated Discs
Impact forces can rupture spinal discs, pressing on nerves. Spinal decompression therapy resolves this without surgery.
Soft Tissue Damage
Torn muscles, tendons & ligaments don't show on X-rays. Without treatment, scar tissue forms and creates years of chronic pain.
Not sure if you're injured?
Come in anyway. Many serious injuries have no immediate symptoms. A thorough evaluation is the only way to know — and it's covered by your PIP insurance.
What Happens When You Call Us
We make it as easy as possible. You focus on healing — we handle everything else.
Call Us — We Answer 24/7
Dr. Plummer answers his own phone, even on weekends and after hours. Call immediately after your accident — we'll get you in same day.
Thorough Injury Evaluation
We examine and document every injury — including hidden ones that don't show on X-rays. This documentation is critical for your insurance claim and any legal case.
Targeted Treatment Begins
Chiropractic adjustments, spinal decompression, and soft tissue therapy to heal whiplash, disc injuries, and nerve damage — starting your first visit.
Insurance & Legal Coordination
We bill your PIP insurance directly. We also coordinate with your personal injury attorney to ensure your medical records support your full compensation claim.
We Work Directly With
Personal Injury Attorneys
If you're working with a personal injury attorney, we coordinate directly with their office. Our detailed medical documentation — injury reports, treatment records, and progress notes — gives your attorney the evidence needed to maximize your settlement.
We also accept patients on a Letter of Protection (LOP) — meaning we treat you now and get paid when your case settles. No insurance? No problem.
Detailed Medical Records
Comprehensive injury documentation that supports your legal claim
Direct Attorney Coordination
We communicate directly with your attorney's office throughout treatment
Letter of Protection Accepted
No insurance? We treat you now and get paid when your case settles
What Accident Patients Say
“When I went in I could barely walk. Within two days I was back to normal. Absolutely incredible. Dr. Plummer is the real deal.”
Michele P.
Back Pain After Accident
“I called Saturday morning with severe neck pain. Dr Plummer agreed to meet me in the office within 1/2 hour and gave me significant reduction in my pain. I highly recommend.”
Nick T.
Neck / Whiplash
“When I went in I could barely walk. Within two days I was back to normal. Absolutely incredible. Dr. Plummer is the real deal.”
Michele P.
Back Pain After Accident
“Had severe pain and got in to see the Doctor same day. He did an adjustment and I got immediate relief. I was amazed at how fast it worked.”
David C.
Acute Accident Injury
32 Years Treating
Accident Victims in Englewood.
Dr. Gary Plummer has been treating car accident patients in Englewood, Rotonda West, Cape Haze, Placida, and Boca Grande for over 26 years. He answers his own phone 24/7, offers same-day appointments, and handles all PIP insurance billing directly — so you can focus on healing.
Answers His Phone 24/7
Dr. Plummer answers personally — even after hours and on weekends. Call right after your accident.
Same-Day Appointments
We get you in the same day you call — often within hours. Time is critical with PIP.
PIP Billed Directly
We handle all insurance billing. Most accident patients pay zero out of pocket.
Expert Injury Documentation
Thorough records that protect your PIP benefits and support your legal claim.
Attorney Coordination
We work directly with personal injury attorneys and accept Letters of Protection.
House Calls Available
Can't drive after the accident? Dr. Plummer comes to you anywhere in the service area.
Open 7 Days · 7am–9pm · Calls Answered 24/7
Everything You Need to Know
About Florida PIP
Real answers to the questions accident victims ask most.
Still have questions? Dr. Plummer will answer them personally — no obligation.
Serving All of Southwest Florida
Accident patients travel from across Sarasota and Charlotte County for Dr. Plummer's car accident care.
Call Dr. Plummer
Right Now.
Same-day appointments. PIP insurance handled. No out-of-pocket cost. Serving Englewood, Rotonda West, Cape Haze, Placida, Boca Grande, Port Charlotte & all of Southwest Florida.
2650 South McCall Road · Englewood, FL 34224 · Open 7 Days, 7am–9pm
© 2026 Plummer Chiropractic & Accident Center · Englewood FL 34224 · Results may vary. Always consult a healthcare professional.