Auto Accident Care · Carrollwood · Northdale · Tampa
Car Accident Chiropractic Care in Tampa
Florida's PIP law requires that your care begin within 14 days of the accident. Wait longer, and you can lose your no-fault benefits.
If you were in a car accident in the last two weeks, that clock is already running. Call us and we'll get you in. Your visit is billed to your auto insurance under Florida PIP, not to you directly.
Car Accident Chiropractic Overview
Why 14 days matters after a Florida car accident
Florida's PIP law requires that your care begin within 14 days of the accident. Your insurer and your claim paperwork will call it a motor vehicle accident; most people just say they were in a crash. That 14-day rule is a condition the statute places on your no-fault benefits, not a grace period you can use at your convenience. Miss the window, and your insurer can deny the claim regardless of how the accident affected you.
You don't need to have pain today for the examination to be worth doing. Some injuries from a collision are not felt right away. Stress hormones can blunt pain at first, and soreness can build over the following days as inflammation develops. Getting examined inside the 14 days keeps you inside that window either way.
Same-day or next-day appointments are typically available. Call 844-51-SPINE and we will tell you the soonest we can examine you.
More than 14 days out? Call us. You may still have options, and we can tell you what applies to your situation.
Common symptoms after a crash, and where each one is explained
Some of these show up at the scene, and some show up days later, after the adrenaline wears off. Each one links to the page that explains it in plain language, what the examination checks, and the warning signs that mean emergency care instead of an appointment.
- Neck pain or stiffness that showed up after the crash
- Headaches, especially starting at the base of the skull
- Low back pain, or a back that seized up the next morning
- Shoulder pain, including where the seat belt crossed
- Pain, numbness, or tingling running into an arm or a leg
- Pain shooting from the low back down one leg
- An MRI report that now says disc bulge or herniation
- Jaw pain or clicking, sometimes from the airbag or clenching
- Hip pain, or pain where the lap belt sat
Not sure which fits? That is normal, and it is the examination’s job to sort out, not yours. Book the visit and bring every symptom you have noticed, even ones that seem unrelated.
What your first visit covers
Your first visit includes your Florida PIP paperwork, a complete examination, documentation of your injuries, and your care plan. Plan for about 90 minutes.
- The PIP paperwork your insurer requires to open your claim
- A complete examination of what the crash affected
- Documentation of your injuries in your chart, including how you move and where it hurts
- A care plan, explained to you before you leave
Already a patient here? Book this visit, not your usual one. An accident needs its own examination and its own records.
¿Habla español? Reserve su evaluación de accidente, primera consulta.
Does PIP cover chiropractic care, and how much?
Florida PIP benefits are limited to $2,500 unless a qualifying medical provider documents an emergency medical condition. With that determination, up to the $10,000 policy limit may be available for covered care. Coverage depends on your policy and your case. We verify yours before treatment.
An emergency medical condition determination is made only by a physician, dentist, physician assistant, or advanced practice registered nurse.
We can't tell you in advance what your policy will pay or what you'll owe. Every policy is different, and PIP is a limit on what's available, not an amount that is automatically paid. What we can tell you is that we verify your specific coverage before your care plan begins, and we handle the insurance paperwork on your behalf.
The longer version, including how a PIP claim is opened and what the statute leaves out, is on our Florida PIP explained page.
Objective documentation, visit to visit
Every visit is written into your chart: what we found, how you moved, and what changed since the visit before. That record is the backbone of a PIP claim, and it's the same record your attorney or your insurer will ask for.
Already have an attorney? Don't have one yet? Either way works here
If you have an attorney, tell us and we'll send your documentation to their office on their timeline. If you don't, we still open your PIP paperwork and treat you the same way. Having a lawyer is not a requirement to be seen. Whether to hire one is a decision about a different part of your case. It is yours to make, and we do not advise patients either way.
New to needling as part of your recovery? See how dry needling fits into a chiropractic care plan when it's part of what your examination calls for.
What to do right now
- Get emergency care first if you need it. If anything about your injuries feels urgent, go to the ER or call 911 before anything else.
- Call us. We will take the details we need to start your file and get you on the schedule.
- Come in for your first visit. Paperwork, a complete examination, documentation, and a care plan, all at once.
- We handle the insurance side. We file your PIP paperwork and send records to your attorney's office if you have one.
Coming from Lutz? The same visit, with the route from Lutz, is on our car accident care from Lutz page.
Already started accident care with us? Book your follow-up accident visit.
Is this an accident clinic?
This is a chiropractic office, and after a collision it does the work most people mean when they look for an accident clinic. Your first visit covers your Florida PIP paperwork, an examination of what the crash affected, and documentation your insurer and your attorney can use. You are examined by Dr. Bobby Koser, DC, chiropractic physician, and you hear the findings the same day rather than at a second appointment. Treating the neck pain, back pain, headaches, and joint problems that follow a collision has been part of his practice since he was licensed more than a decade ago.
A crash injury affects joints, muscles, and how you move, and the examination is what shows whether that is what you have. If yours points toward something that needs medical care, we tell you and help you get to the right provider. If you are looking for an auto accident chiropractor in Tampa, you are welcome here.
Common questions
What if I cannot make a weekday appointment?
If you cannot come in during the week, call 844-51-SPINE and we can arrange a weekend video visit with Dr. Koser. You need to be in Florida at the time of the visit, and the hands-on examination and treatment happen in person.
Do I need a police report?
A police report documents the crash date, the other driver, and where it happened, and it supports your PIP claim, but it does not decide whether we can see you. If a report was filed, bring the report number or exchange information you have. If one wasn't, tell us, and we'll still open your paperwork and document what happened from your history and your examination.
What if I already went to the ER?
Bring your discharge paperwork. An ER visit inside the 14-day window can satisfy Florida's initial-treatment requirement, and your discharge records become part of your file here. Your chiropractic examination then documents what an ER visit typically doesn't: the specific joints and muscles affected and how they move now.
Does PIP cover chiropractic care?
Florida PIP covers medically necessary care after a car accident, including chiropractic treatment, up to your policy's limit. Your benefit starts at $2,500 unless a qualifying medical provider documents an emergency medical condition, which can raise it to the $10,000 policy limit for covered care. What you owe depends on your specific policy, and we verify your coverage before you begin treatment.
What does this cost me?
Auto accident visits are billed to your auto insurance under Florida PIP, not charged to you directly the way our self-pay visits are. What you owe out of pocket depends on your policy's deductible and coinsurance, and we don't know that number until we verify your coverage, which we do before your first treatment. If you weren't in an accident and want our regular self-pay pricing, it's on our pricing page.
Neck pain or back pain after a car accident: why does it show up days later?
Neck and back soreness often shows up days after a crash, not minutes. Adrenaline and other stress hormones can mask pain at first, and inflammation in strained muscles and joints builds over hours and days. Soreness that sets in over the first two or three days is common, and for some people it starts later than that. That delay is one reason the 14-day window in Florida PIP law matters. An early examination puts the accident in your chart before the soreness arrives, and it keeps you inside Florida’s 14-day window either way.
What if it's been more than 14 days?
Call us. Florida's PIP law requires that your care begin within 14 days of the accident to preserve your no-fault benefits, and if that window has already passed, what applies depends on your specific situation. Being more than 14 days out does not disqualify you from getting care for your injuries. We can't tell you what options you have over the phone with certainty, but we can talk through how to get you treated.
What does an accident clinic do?
An accident clinic is the phrase most people search after a crash, and the name fits. It usually means a practice that examines accident injuries and handles the insurance paperwork that follows. At HealthSpine Chiropractic in Carrollwood, an accident-focused first visit includes a complete examination, documentation of your injuries in your chart, and the Florida PIP paperwork your insurer requires to open a claim. If the examination finds something that needs medical care instead, you hear that.
Too far from Tampa to come in?
Florida’s 14-day clock runs whether or not you can reach Carrollwood. You can start with a video visit from anywhere in Florida, and Dr. Koser takes your history, screens you, orders imaging near you and refers you locally.
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This page is general health information and is not medical advice for any individual. Whether your symptoms come from the crash, and what will help them, can only be determined by examination. Talk to Dr. Bobby Koser, DC, about your own situation.
Call us. We'll take it from there.
Same-day paperwork, a complete examination, and a care plan, billed to your auto insurance under Florida PIP.