Another Insurance Scam Story....I'm so tired of this.

I'm Fired Up

It's been a while since I posted, but yesterday something happened which fired me up, and not it a good way.  One of my patients came in and told me about some lady he heard of, who had a car accident a few weeks ago.  This person lives somewhere in Cutler Ridge, which is South West Dade County, FL.

So, she had an accident, and she is now treating at a chiro office with her boyfriend, who was the passenger.  So, for a few minutes we were discussing the way the PIP works, and difference between first party insurance, and the at fault party's insurance, etc.  And then, out of the blue, my patient asked me about the $2000 dollars that this woman got, and the $2000 her boyfriend got, UP FRONT for their "settlement", at the chiro office.  The reason my patient was asking about this, is because, as an ex insurance utilization employee, he was wondering why these two people were ALSO told to come in to the office five times a week, for what appeared to him to be a minor car accident.

Now, I am a pretty calm person 99% of the time.  Very mellow.  Maybe even too mellow.

Considering the unbelievable nature of this story, I actually think I controlled myself fairly well.  But, I think that by the end of the visit with my patient, he was a little rattled up, because he has never seen this side of me.

As a doctor who has been practicing chiropractic for over 20 years now, I feel I have a good grasp of the way these scams work.  And, if you are reading this and you are not either a doctor or a lawyer, and you are maybe a little naive, I will explain to you what is actually happening at this office in Miami with these patients, and probably also to lot of other patients who are coming in for treatment over there.

This is likely the sequence of events and facts that surround this crime:

The patients are in their car and are in an accident.  Maybe the accident was staged, maybe not.

The injured patients called one of the lawyers who advertise on TV during the time when the Jerry Springer Show, or similar is on.  Or, maybe they called 411-Pain, 1-800-NEED-HELP or one of the other ones that are popular these days. The patients THEN are referred to a doctor's office and are told that the office will take very good care of them.

The doctor's office looks at the "case"after also communicating with the lawyer's office and realizes the at-fault party has a small or bad insurance company, or maybe that at-fault vehicle has no insurance at all.   However, the patients have one of the larger carrier well known insurance companies like Allstate, Geico, State Farm, or Progressive.   From this very quick investigation, the office quickly learns that the patients have a very bad case because of the bad coverage on the other side, and the patient's policy has no uninsured motorist coverage, but the two patients do have $10,000 in coverage, EACH, in fact.

Since the doctor's office knows that if the patients find out they have a bad case, they won't come in for treatment, the office offers the patients up front cash to come in, and come in frequently and a lot, so the office can quickly bill through the entire insurance benefit until the insurance benefit is exhausted.

There is also a possibility that this inducement or kickback is also provided when the patient actually KNOWS they have no case.  YES, lots of times patients know about their lousy case, and these patients come in expecting this cash kickback, for simply becoming a patient, because they heard that some offices do this.  In other words, they shop around for it, until they find an office who will pay them, and an office that will pay the most.

Either way the kickback is provided because the doctor knows that the patient will have no "incentive to treat" because they really don't have pain, but they just want money.

So, the doctor's office pays out $4000 and then bills $20,000.  This leaves the office with $16,000.

Yes, this scam happens.  Not always, but it does happen.  For those who are reading this and are thinking that all personal injury is a scam, YOU ARE WRONG about that.  Please don't group the legit medical and legal offices with total scam insurance fraud scheme offices.  It is unfortunate, but there are bad players in every profession.

The truth is that there are patients who are injured and who are treated correctly, legally, professionally, and who are helped.  You just have to make sure you go to a good office, and if you are using an attorney to help compensate you for your injury, you go to a good, and legit attorney.

If you are a patient and are tempted to accept a kickback from the medical office or someone working outside the medical office, be aware, that not only is the office committing insurance fraud, but YOU ARE TOO.  This means that you will be subject to prosecution and face the possibility of jail time, the same as the person who gave you the money.  And if you think you will not get caught, THINK AGAIN.  The insurance companies and the insurance fraud task force know the offices who are doing this, and they are waiting for the right time to rush into the office with guns drawn, and with the news crew present, to make an example out of you, and place your face and name on the front page of the news paper and the 5 o'clock news, and RUIN YOUR LIFE.

I have been treating patients who have been injured in car accidents for over 20 years.  If you would like information, please call my office and I would be happy to discuss how I can help you, the right way.

Professionally yours,
Dr. Alan Himmel

More Disruption Coming-- Autonomous Cars Will Change Auto Insurance Among Other Things...

More Disruption Coming-- Autonomous Cars Will Change Auto Insurance Among Other Things...

Dr. Alan Himmel-West Miramar Car Accident Injury Doctor

Autonomous cars are coming.  Get ready.  It is estimated that by 2025 there could be 600,000 autonomous cars on the road, and by 2035, there could be 21 million cars on the road. (1)

What is an autonomous car?  Well, it's a self driving car.  To paint the picture, this is probably what driving will be like in the future:  We will step into our cars with probably some futuristic doors which open up in  Lamborghini style in order for us to easily slide in with handfuls of carry-ons. Think of getting onto an airport shuttle bus.  We will step in, place our stuff on the side, and simply have a seat.  From there we will likely just speak our destination out loud, so that the navigation (GPS) hears us and figures out the best route.  A voice will come on and say, please buckle your seat belt, and inform us that we will be at our destination in 23 minutes and 16 seconds.  Ehh....no speeding anymore since we are not in control of the gas pedal.  And, at this point, the doors will shut, the system will make sure all passengers are safely secured, and we will be on our way.

Since we are no longer in control of our car, we could, if we want to just sit back and read the newspaper (if they still exist), do some computer work, watch a movie, or do anything else we want.
Even Sleep.

The trip will probably be very boring.  I figure it will be like being on a tour bus, with only one big difference; we have seen this city all before, since we live here.  This won't be like being on a tour bus travelling through Rome, unless you live in Rome.  There will be no reason to take your camera with you.

So, let's talk about how the autonomous car will change things, and there are plenty: The first thing that comes to mind, is that automated cars will reduce the amount of human error, since our cars will be controlled by computer software and hardware.  I know what you are thinking... GPS is very inaccurate and most of the time it sends you to the wrong place.  Believe me, this is a system which is in progress, and I would expect there to be gigantic improvements in GPS technology.  Eliminate human error and there are less injuries, and fatalities, because there are less accidents of all kinds. Car insurance companies will have to restructure the policies to account for the possibility of computer error, and those tech companies who created the system would be held liable for accidents.

And, I would expect cars with combustion engines (again, if they still exist) to be more efficient. Keeping you at a constant 45mph in a 45mph zone will save you gas.  It will also save your brakes.

How else would we expect life to change with autonomous cars?   Fewer car accidents mean fewer trips to a body shop.  Fewer car wrecks would mean fewer tow trucks on the road.  Calling a UBER driver (sorry Taxi Companies, it was good while it lasted but your days are numbered), will mean a driverless UBER car comes to you and picks you up.  There are billions of dollars going into making this happen.  Postal, UPS, and small package delivery will probably use these driverless vehicles also.

What if we don't want this?  Sorry, its coming.  Just about every car manufacturer is working on this to make it a reality, along with Apple, Google, Microsoft, just to name the obvious. (2) (3)
Let me put it to you this way:  When Google pays a billion dollars for a traffic app called Waze, do you think it is entirely for watching where the police are?  No.  Its all about the data that that app provides back to Google.  And, don't forget that just about everyone has a smart phone, which uses wifi and data, which is continuously sending information back to Apple and Google plotting your exact coordinates.  The information that these companies are gathering will one day be crucial to making these systems work.

For now, we are just starting to see a sprinkling of this new technology in our cars.  There have been self parking cars out for a few years now.  Also, blind spot monitoring in side view mirrors has been out for a while.  My 2014 Mazda has this feature.  I just saw a commercial on TV (can't remember the car company) showing a car that is available right now, that will completely avoid colliding into something.  They were demonstrating how the car automatically stops if a person walks out in front of a car which was driving straight ahead, and while the driver took his eyes off the road for a few seconds.  Pretty awesome, and that would prevent a rear end collision, too.

What if you are the type of person who likes to keep his car forever or you like the classic cars?  I doubt if these older cars would ever disappear completely, but you would expect them to be less and less common, just like we don't see many Model T's on the road very often.

In summary, we are living in some exciting times in terms of technology.  I am not sure if I am ready for it, because I still enjoy driving, and being in control of my car.  Our grandkids will likely look back and find it amusing that we actually use to drive our own cars.  

Miramar Chiropractor


References:
1. http://fortune.com/2016/06/07/autonomous-car-sales-ihs/
2. https://www.cbinsights.com/blog/autonomous-driverless-vehicles-corporations-list/
3. http://www.fastcompany.com/3024362/innovation-agents/10-autonomous-driving-companies-to-watch

Nursemaid's Elbow in a Young Child. Cause, signs, and reduction.

                                       Nursemaid's Elbow

Dr. Alan Himmel

It is never a good idea to pull or tug a young child by the arm.  This action may create what is called a nursemaid's elbow. 

What essentially happens is that a person, who is trying to control an uncooperative child, grabs the child by the arm.  The child of course, still is not cooperative, and fights back, by pulling.  The resulting injury is that the head of the radius, subluxates at the elbow causing a lot of pain, guarding, and the inability of the child to want to use the arm or hand.

Often times, the radial head pops back in by itself and the pain and guarding will disappear on its own, allowing for almost instantaneous pain relief.  But, sometimes, the joint will not "go back in" without a little help.

I don't recommend doing trying to fix this at home, because without knowing for sure whether it is truly a radial head subluxation or a fracture, it is possible to cause more pain and injury.  However, if you are confident the child has a nursemaid's elbow, or if it has happened before (children who have had this injury, may tend to have it again) then this is what you can do to fix it.

Carefully supinate the hand in front of the child. Then, while palpating the radial head with your fingertip and just a little bit of pressure, use your other hand to slowly flex the arm at the elbow.  You may have to go past 90 degrees of flexion, but you will feel, with very little effort, the radial head click, and pop back into the correct position.  The child may cry a little, but the relief is instantaneous, and within a few minutes, the child should be acting normal again and giving high fives with the injured hand.

Emergency Chiropractic Florida

Emergency Chiropractic Florida

Dr. Alan Himmel

I decided to create another website:   www.emergency-chiropractor-florida.com

I named it Emergency Chiropractic of Florida because I continue to see patients who have been to the hospital or other doctor after a car accident, and it has been determined that they have an "emergency medical condition."  The designation of emergency medical condition or (EMC) allows the patient to seek follow up care and be covered by his PIP insurance up to his full coverage limits. Without the EMC, he is limited to only 25% of the coverage he pays for.  Not all of my car accident patients actually do have a bonafide EMC, and as a matter of fact, the EMC is only present if certain medical providers such as an MD or DO say it is present.

Nevertheless, these emergency patients often end up calling me because of my experience and my knowledge in regard to the proper treatment, management, and documentation of these types of injuries.  This comes with practically 18 years experience.  If you have been injured in a car accident, please call my office.  The number is 954-659-8600.

Dr. Alan Himmel

HAVING A PURPOSE

HAVING A PURPOSE

Dr. Alan Himmel

We all need to keep busy, have a purpose, have goals (big or small),  and have things to look forward to. I think that without goals or a maybe even a prospective finish line, life gets dull and depressing.

I see this a lot in the older crowd.  This is the scenario:  A guy has been working his whole life.  He is now retired.  Suddenly, what seemed like the best thing in the world (not having to work) now begins to affect the man's mental outlook.  Before retirement, he had something to do.  He had a responsibility. He may have been the provider for the family.   He had a function; a purpose.  Now, after retirement, the man's whole dynamic changes. When he was working, he had a specific time to wake up because he had to be at work at a certain time.  He may have had to report to a boss, or maybe had people depending on him as a boss or supervisor.  These are all things that are no long part of his life. The man who used to be busy and have a purpose is now finding that he has nothing to do.  He has no importance.  It's a shot to his ego.

And, I don't believe that the depressed mental attitude that this person feels is entirely a function of boredom, although having nothing to do also gives the man too much free time to think about things like his mortality and aging and other negative thoughts.  Having a purpose will occupy his thoughts, which will naturally displace these negative thoughts.

When you accomplish your goal, or if you find that you now have no purpose, you must find a new one.  Its okay to move on to new things in your life or even switch goals in the middle.  Just as long as you have a purpose at any given time.  In fact, you should expect to move from one purpose to the next, several times over the course of your life.  This is natural.

14 day Deadline to get treatment after a Car Accident Begins in Florida. Patients and Doctors are OUTRAGED!

ATTENTION CAR ACCIDENT PATIENTS!

NEW FLORIDA LAW REGARDING CAR ACCIDENT CLAIMS IN FLORIDA!

You have only 14 days to get treatment if you have been involved in a Car Accident in Florida.

Do you know what this means? This means if you are in an accident, and think that the pain will go away by itself, but it doesn't after 14 days, your insurance company that you pay all that money to every month, will DENY your claim.

Don't wait! Call Now.  954-659-8600.  Dr. A. Himmel

 14 Day Emergency Treatment offered to Car Accident Patients in Florida.

We have doctors who will see you 24 hours a day and 7 days a week at your home or our offices in Broward, Dade, or Palm Beach Counties.



If you wait one extra minute over 14 days, you lose $10,000 in PIP benefits that your are paying for by law.

CALL NOW.  This is no joke.  You will be forfeiting $10,000 of your insurance benefit if you wait.  

We have doctors who will travel to YOU so that you can initiate your treatment before the 14 day deadline expires.  We file ALL the paperwork for you so that the ONLY thing you need to worry about is feeling better after your car accident!  Any questions, just call us at 954-659-8600.  Dr. A.  Himmel

STANDARD OF CARE: Just my two cents.

STANDARD OF CARE:  Just my two cents.

Alan Himmel, DC. PA

If there is one thing I am very sure of by now, it is the fact that not all patients respond the same to medical treatments.  For example, if you have five patients and they all come in with the identical complaint of lumboscacral radiculopathy, caused by the identical thing, you will find that each one of these patients will typically respond different than the next patient to medical care.  I have learned over the years to respect this fact.  This, by the way, is a fact across the entire list of medical conditions.  There is no such thing as a guaranteed success with any medical treatment, because each patient is unique.  Any physician who tells you otherwise is lying to you. The treatments given to a patient for any one particular reason, are usually one that comes out of a bag of questionable tricks.  I use the metaphor "bag" here, because that's exactly what doctors have--a bag of tricks or treatments in their arsenal which they grab from, when a condition calls for it.

Within the arsenal of treatments that doctors have, is what is called "standard of care."  In other words, the standard of care treatments are treatments that all your doctor's colleagues do, and so, since everyone else is doing it, it makes it the treatment of choice.  Since the standard of care is the treatment that everyone else does, it is therefore reasonable and correct for your doctor to do the same.  In fact, many doctors are reluctant to step out of the box, and prescribe a medication, or do something, which is not considered the standard of care.

Reaching for the standard of care each time, in my opinion is problematic and can also be dangerous to a patient's health.  This type of thinking by doctors opens up several issues because physicians are well aware that standard treatments do not always equate to resolution of  a medical condition.   Treating patients is not like mathematics where you can predict the outcome, every time.   If you think about it,  if it was as simple as choosing the standard of care, then we wouldn't need doctors at all.  Could you imagine if we could do away with most docs and create a computer program which people would keep on their home computer, or even as an app for the smart phone, that would do everything, including calling in a prescription at your pharmacy?    Several years ago, a well respected friend of mine, who is in medical research once told me that most doctors and researchers are like robots.  She used to say that these people have lost their ability to think on their own, that they have no curiosity, and they don't question anything.  She asked me once, how many physicians do I think go home at the end of the day and do research, and try to find the BEST options and treatments for their patients?  This is something that I never thought of before, but certainly with the advent of the internet, this type of research is pretty easy to do, and reasonable, especially with a patient with a life threatening condition.

If you ever want to stop a physician in her tracks, look your doctor straight in the eyes and ask her what she would do if her mother or father or child was the patient.  This usually works.  If the doctor is giving her honest opinion of the best treatment, then she will confidently look you right back in the eyes and stick to her original recommendation.  If the doctor seems uneasy with the question, or looks away or down, I would be concerned and would seek another opinion.

Soft Tissue Injuries: Whiplash Recovery is Estimated to be at 50% or less.

Soft Tissue Injuries.  Whiplash Recovery is Estimated to be at 50% or less.

Alan Himmel, DC.,PA.

I wanted to talk for just a little bit about soft tissue injuries.

Most people think that unless you are a person who has suffered from a soft tissue injury (STI), that these types of injuries are no big deal. Well, nothing can be further from the truth, and I'll tell you why:

The body is an amazing thing. If you simply step out of the way, and let the body do what it does, it heals itself pretty well. For example, of you cut your finger, bite your lip, or even sustain a burn, the skin goes through a process of healing where it sends some specific blood cells to the scene of the injury and gets the job done. Even bone heals up pretty nice as long as the fracture doesn't involve a joint or articulation between two bones.

But, an injury to muscle, ligament, or tendon, or nerve is not the same as a small scratch or a bruise.  I mean, the cellular and chemical process by which the body begins the healing process is the same, but since the injury affects muscles, ligaments, tendons, and nerves, the injury will generally affect the ability of the person to move their body and function.



Anyone who has ever sprained an ankle or a knee knows that these injuries, despite the body's best attempt at healing, take a very long time and also cause permanent deficits in function. Injured tendons and ligaments and other soft tissue usually involves fine tears of the fibers. There are of course different grades of these types of injuries which range from a few small torn micro-fibers, to a severe tear or rupture which should be surgically repaired to reconnect. Every sprain, whether it happens to a person's neck as in a whiplash, or ankle while playing basketball, involve torn fibers. These pulled and torn  fibers are the cause of pain, inflammation and loss of range of motion which is typical of these injuries. So, expect a loss of range of motion of your neck if you have sustained a whiplash.

One of the things that I see in my office, and one that repeatedly comes up on MRI's is straightening of the cervical spine.  It is often seen after a whiplash trauma and is often considered by some doctors to be a normal variant, which is unlikely to be of any concern.  And, I'm sure many of the practitioners out there who are reading this are thinking, " big deal", everyone has this.  In fact many orthopedists are not concerned by this at all.  But, I studied this.  It is my job to tell it like it is, even if it goes against the normal thinking many of my colleagues.  I will tell you why this is something that clinicians should be aware of and in fact, should be concerned about.



You see, the curve, or lordosis, in the cervical spine is not there by accident.  In fact, its there actually to help buffer the spine and protect the spinal cord from shock due to the possibility of axial forces or downward compression from the head due to trauma.  Just think, if you had a spine which was as straight as a pencil, every time you even took a step, the joints of the spine would have to deal with the compressive forces and the possibility of injury or even fracture of a bone.  As an experiment, take that pencil that's on your desk, hold it in your hand, and now, jam it directly into a book or something on your desk.  Now, imagine doing the same thing with a pencil that has a slight c-shape curve to it.  I bet that you could feel the impact of that straight pencil going into the book, but the curved one is able to take or absorb some of the energy of the force.  You will feel that the curved one sent less of a shock up through your hand.   Think about that for a moment.

The next thing you have to be aware of is that the spine has supportive structures like the Anterior Longitudinal Ligaments (ALL) and Ligamentum Flavum (LF) which are often damaged from a whiplash injury. (3)  These ligaments connect from bone to bone, and in this case, your cervical vertebrae, which helps to keep these bones together and keep the normal cervical lordotic curve. An interesting study which confirms injures to these ligaments due to whiplash, was recently completed by Fice and Cronin in Ontario,and in fact, thet studied the minimal G-forces required to cause these ligamentous disruptions. (4)   Thus it is clear that these important ligaments in the cervical spine are there for supportive reasons.  When we see a spine of a patient post whiplash, very often we see the straightening which may be due to a disruption of these important pieces of connective tissue. (5)  Just as you wouldn't ignore an ankle sprain which involves  disruption of ligaments, you should also never ignore disrupted ligaments in the cervical spine.  I think we can all agree that this is a much more critical part of the human anatomy.

So, does this sound like something you want to ignore? These types of injuries without a doubt require some sort of rehab. If left alone, you can expect a permanent loss of function and/or pain. Up to 50% of individuals who suffer a whiplash will fail to recover.(1)  Other studies have the rate of recovery even worse. (2) The patient should be slowly rehabilitated using various methods. This, in my opinion is an emergency. It might not be a life or death emergency, but this injury could cause permanent loss of function of a body part, and sometimes a noticeable straightening and deformity.  It needs to be treated and treated right away in order to limit the amount of loss.

If you have a whiplash type injury, find your local chiropractor.  We are trained to help people hurt like this.  If you are in South Florida, you can call me to schedule an appointment.

I have two websites because I draw patients from both Miramar and Pembroke Pines. Check out my websites: www.MiramarChiropractor.com and www.PembrokePines-Chiropractor.com

Refrences:

1. Spine (Phila Pa 1976). 2011 Dec 1;36(25 Suppl):S330-4.

Prognosis after whiplash injury: where to from here? Discussion paper 4.

Sterling M, Carroll LJ, Kasch H, Kamper SJ, Stemper B.

Source

Centre of National Research on Disability and Rehabilitation Medicine, The University of Queensland, Brisbane, Queensland, Australia. m.sterling@uq.edu.au

2. Injury. 2011 Jan;42(1):25-32.

Identifying predictors of early non-recovery in a compensation setting: The Whiplash Outcome Study.

Casey PP, Feyer AM, Cameron ID.

Source

Rehabilitation Studies Unit, Sydney Medical School, University of Sydney, Sydney, NSW 2006, Australia. pcas0573@uni.sydney.edu.au, petrina@harvard.co.nz

3.  J Biomech. 2012 Aug 30. [Epub ahead of print]

The effects of ligamentous injury in the human lower cervical spine.

Devin Leahy P, Puttlitz CM.

Source

Orthopaedic Bioengineering Research Laboratory, Department of Mechanical Engineering, Colorado State University, Fort Collins, CO 80523, USA.

4.  J Biomech. 2012 Apr 5;45(6):1098-102. Epub 2012 Jan 28.

Investigation of whiplash injuries in the upper cervical spine using a detailed neck model.

Fice JB, Cronin DS.

Source

Department of Mechanical Engineering, University of Waterloo, Waterloo, Ontario, Canada N2L 3G1. jfice@uwaterloo.ca

5.  Tidsskr Nor Laegeforen. 2010 Jan 14;130(1):29-32.

[Anatomy of the cervical spine].

[Article in Norwegian]

Holck P.

Source

Institutt for medisinske basalfag, Avdeling for anatomi, Universitetet i Oslo, Postboks 1105, Blindern 0317 Oslo, Norway. per.holck@medisin.uio.no

Florida No Fault 14 Day Treatment Rule.

SUPPOSE YOU HAVE A CAR ACCIDENT ON JAN 1, 2013 OR LATER...

Dr. Alan Himmel

Is anyone aware of another little change to the Florida No-Fault PIP law that goes into effect on Jan 1, 2013?  Of course not, so I am here to inform you of another very important fact that you should know if you are an insured Florida resident.

Let me set the scene: You are either the victim of or an at fault driver involved in an auto accident which occurs on, lets say Jan 1, 2013 or thereafter.  You are driving, and all of a sudden, you collide with another car which is not stopping.  The accident causes car causing damage, and also caused some neck pain and headache.  You go home that day and you take some Ibuprofen and ice it, and your neck and headache feel a little better.  You decide that the pain is not so bad, and  you figure that the neck stiffness that is setting in, is no big deal.  After all, you have had a stiff neck in the past, and it always goes away within a week or so.  So, you just decide to rest it, ice it, and take over the counter pain killers. It actually begins to feel better after about a week, and at this point you figure it will continue improving.  You are busy at work and with the family.  You don't have time to waste going to doctors and getting xrays, because you think that you will be OK, and its not that important anyway.  But it starts to get to a point that the neck pain and stiffness are not improving anymore and your wife is telling you to go get checked out.  So, you make an appointment at your doctors office.  Today is Friday and your doctor cannot see you until Monday;  so take it.

Well, little did you know, that Monday is exactly 15 days after your car accident.  You go to get checked out, and your doctor is worried and decides to order an MRI to rule out serious problems. He also writes you a prescription and that same night, you get the MRI done.  The report comes back in a few days and there are two cervical disc herniations.  Well, your doctor at this point is thinking Orthopedics, Physical Therapy or Chiropractic care, because he knows that these things left untreated can very often get worse to the point that there is radiating pain, numbness, and tingling down your arms.  He tells you that sometimes these things require surgery.  Now you are worried.



But wait!  At least you were responsible enough to pay your auto insurance, which is mandatory in Florida.  You have always been a responsible person and actually you have been paying for years and never missed a payment and never even filed a claim.  By the way, just to let you all know, PIP insurance is primary in Florida, meaning that if you decide to use your health insurance, your health insurance company will deny your claim because your injury is auto accident related.  But, not to worry, you have GEICO.  Or was it Allstate?  Or Progressive....   Hmmm.  It doesn't matter anyway, which insurance company you have.

Do you know why?

Because your Governer, Mr. Rick Scott, created a law that states that you must initiate treatment within the first 14 days and you waited 15 days.  You are now completely out of luck.  You paid for your coverage and now your wonderful elected officials created a new way for your insurance company to deny your claim.   No coverage for you.  Your insurance company gets off the hook and they get to keep the money you paid them.  They don't have to pay your doctor bills.  And guess what?  Its a state law!

Do Not Wait.  If you have been involved in a car accident in Miramar or a car accident in Pembroke Pines FL, You should get treatment immediately.  You can call me personally, Dr. Alan Himmel.  I answer the phone myself.  954-659-8600 or 305-979-5549

You can also check out my Website, www.MiramarChiropractor.com