I called my adjuster and requested a second opinion because my doctor has pretty much said that I have a permanent injury. I trust my doctor but I want to make sure they are right. The insurance company told me that there are NO second opinions in the state of Florida. Is this true? She said that I would have to pay for it on my own if I wanted one. This doesnt make any sense. They say I can do a one time doctor change, but not get a second opinion. Has anyone else had this problem? What should I do?