If you have been injured in an auto accident, speak to me right away. Florida Drivers Insurance Law, requires that all licensed drivers carry medical (Personal Injury Protection or PIP insurance) coverage as part of their policy. This insurance allows for the diagnosis and treatment of injuries that occurred as a result of any auto accident and pays the claims for chiropractic services of reasonable and necessary treatment up to your policy limits, minus the deductible, regardless of who is at fault.