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Florida Law: You have 14 days to seek treatment after an accident to use your PIP benefits | Don’t lose your coverage
Dr. Huber Matos-Garsault, MD is a pain medicine physician in Jacksonville, FL and has over 25 years of experience in the medical field. He graduated from University of Medical Sciences in 2001. He is affiliated with medical facilities such as the Veteran Administration, UF Health Jacksonville and Baptist Medical Center Jacksonville He also serves as Medical Director for Active Medical & Chiropractic.
Dr. Chris Renne, D.C., has been practicing chiropractic medicine for over 28 years. He is Board Certified by the Association of Integrative Medicine and a member of the American Chiropractic Association, Florida Chiropractic Association, and Northeast Florida Chiropractic Association. He has a multi-disciplinary background that includes experience with specialties such as Orthopedic Medicine, Physical Medicine and Neurology. Dr. Renne says this diverse experience inspired him to build a practice that integrates chiropractic, physical therapy and medicine to address all of his patients’ needs.
Spinal misalignment, soft tissue strain, nerve irritation, none of it always shows up the day of the crash. A lot of patients come in two or three days later, and that’s exactly the window where seeing an auto accident chiropractor or personal injury doctor early makes the biggest difference, both for your body and your claim.
Adrenaline masks pain at the scene. Whiplash, soft tissue damage, and spinal misalignments can take days or weeks to become symptomatic, often worsening without early intervention.
A timely medical record creates a clear link between your accident and your injuries. Without it, insurance companies and defense attorneys can argue your pain is unrelated.
Under Florida’s no-fault insurance law, you must seek treatment within 14 days of the accident to be eligible for up to $10,000 in Personal Injury Protection benefits.
We coordinate directly with your personal injury attorney to make sure your treatment records support your legal claim. Many patients pay nothing until their case settles.
As a personal injury clinic, we provide chiropractic, physical medicine, laser therapy, and massage in one location. No bouncing between providers and no gaps in your care record.
Pain does not wait, and neither should your treatment. We offer same-day and next-day appointments for accident victims. Call now, and we’ll get you in today.
A chiropractor for car accident injuries works on realigning the spine, calming nerve inflammation, and getting your mobility back. For a lot of patients, that work runs alongside care from a personal injury doctor, so the recovery and the documentation move forward together instead of in two separate places.
Auto accident injuries can develop from sudden force, twisting, or impact, even in minor collisions. Our physicians diagnose and treat the full range of accident-related trauma, with care directed by a personal injury doctor when documentation and treatment planning matter most.
This is the injury most people associate with car accidents, and for good reason. The sudden back-and-forth motion of the neck on impact strains muscles and ligaments that often don’t hurt until a day or two later. Our whiplash treatment combines chiropractic adjustments with physical medicine, which may help reduce the risk of long-term neck stiffness after an untreated injury.
Impact can push disc material onto nearby nerves, leading to pain, numbness, or weakness that radiates into the arms or legs.
Often shows up a few days later as inflammation builds. Left alone, it tends to turn into a long-term mobility problem rather than fading on its own.
Usually tied to whiplash or cervical strain. Catching it early with chiropractic care is what keeps it from becoming permanent stiffness.
Seatbelt force or direct impact can strain the rotator cuff or joint, limiting how far you can comfortably move your arm.
Could be tension-related, whiplash-related, or linked to a concussion. Getting it documented matters just as much as treating it.
Dashboard or steering wheel impact is a common cause, and it tends to get worse, not better, without an early evaluation.
Muscle, ligament, and tendon damage that won’t always show up on an X-ray but still needs real treatment.
Our Treatment Approach
Manual adjustments to restore alignment, improve range of motion, and relieve acute pain caused by accident-induced misalignment.
Deep-tissue photobiomodulation that accelerates cellular healing, reduces inflammation, and relieves pain, ideal for soft tissue injuries.
High-energy acoustic waves that stimulate tissue repair, break up scar tissue, and promote collagen synthesis in chronic injury sites.
Non-surgical traction therapy for herniated disc and nerve compression, creating negative pressure to retract disc material.
Therapeutic exercise, electrical muscle stimulation, and rehabilitation protocols to restore strength, flexibility, and function.
Targeted deep tissue and therapeutic massage to address muscle spasm, myofascial tension, and post-accident soreness.
Our auto accident chiropractor and medical team build these therapies into one coordinated plan. Patients searching for a chiropractor for car accident care in Jacksonville don’t need to bounce between providers or repeat their story at every appointment.
We bill your PIP (Personal Injury Protection) insurance directly — most patients pay $0 out of pocket. We also work on lien with personal injury attorneys and provide detailed medical documentation to support your claim. Don't let cost stop you from getting the care you need and deserve. Every patient receives care with both recovery and proper documentation in mind, especially when insurance or attorney communication is involved. That's part of why working with an experienced personal injury doctor matters once the insurance company starts reviewing your file.
Active Medical & Chiropractic is a personal injury clinic in Jacksonville, FL, built around one thing: car accident recovery. As an auto injury doctor team, we offer same-day evaluations and handle chiropractic and medical care in the same building.
Most urgent care clinics aren’t set up for accident cases the way we are. Our providers know Florida’s PIP rules, how auto accident billing actually works, and what a treatment record needs to look like to hold up for your attorney. If you’ve been searching for a personal injury doctor in Jacksonville, this is what that looks like in practice, no referrals, no waiting weeks to get in.
Contact us the same day as your accident. We’ll schedule your evaluation immediately.
Comprehensive physical exam, range-of-motion testing, and injury documentation are completed by a personal injury specialist
Personalized care plan targeting your specific injuries, typically beginning the same day.
Guided rehabilitation until you’re pain-free, with complete records for your legal case.
Patient Stories
Florida’s PIP law gives you 14 days to start treatment if you want to use your insurance benefits, but honestly, the sooner the better. Most patients come in within 24 to 48 hours, which gives an auto accident chiropractor the best shot at catching something before it gets worse.
A personal injury doctor examines you for accident-related injuries, builds a treatment plan, and keeps medical records that back up both your recovery and any claim tied to the accident. It’s part medicine, part documentation.
Yes, it is usually a good idea to get checked, even if you feel okay at first. Adrenaline hides pain right after a crash, sometimes for days. A car accident doctor can pick up on whiplash or soft tissue damage before it turns into something you actually feel.
It usually starts with chiropractic adjustments and physical medicine, and depending on the injury, laser or shockwave therapy gets added in to bring down inflammation and get your neck moving again.
In many cases, PIP may help cover treatment costs up to your policy limits. Our team can help review your benefits and bill eligible care directly.
An auto injury doctor usually oversees the diagnosis and overall treatment plan, while a chiropractor focuses specifically on spinal and musculoskeletal treatment. We have both on staff, so patients don’t have to choose.
Don’t wait until the pain becomes unbearable — or until you’ve missed your insurance window. Call us now or request your free evaluation online. Same-day appointments available.
Mon–Fri: 8:00 AM – 6:00 PM | Sat: 9:00 AM – 1:00 PM
This page is for informational purposes only and does not constitute legal advice. Results vary per patient. © 2026 Active Medical & Chiropractic. Powered By Target Patients MD
