Understanding Florida’s

Personal Injury

Protection Insurance14 Days or Lose It!

Auto Accidents Resources In Floridahttp://davidlaw.com/

What is PIP?

Personal Injury Protection coverage, also referred to as “no-fault” Insurance

Part of your car insurance contract

PIP will cover portions of your medical expenses and lost wages regardless of whether you caused the accident or not

PIP coverage is required in the state of Florida

PIP Medical Treatment Timing Requirements

Under Florida law, you must seek medical treatment related to the accident within 14 days to be eligible for reimbursement.

For those who wait beyond this period, they will lose important benefits like payment for medical expenses and loss of wages.

PIP Excluded Services

The following treatments are specifically excluded from PIP coverage

Massage Therapy

Acupuncture

Limitations now exist for Chiropractors in the amount of $2,500

How Much Will PIP Pay?

Compensation can vary by contract

Most PIP payments are limited to $10,000

If you carry a deductible on your policy, that will need to come out of pocket before PIP kicks in.

Important Steps To Preserving PIP Benefits

You MUST NOTIFY your insurance company and report the accident

Failure to do so will void your right to compensation

Notify via phone call then follow up in writing (email or certified letter).

As mentioned before, seek medical treatment within 14 days.

Seek Treatment from YOUR Provider of Choice!

Insurance companies may want to pick and choose your medical providers but they DO NOT have the right to do so

You should seek treatment from your provider of choice when the treatment is required. There is no need to obtain permission from the insurance company on who or when to get treatment.

How Quickly Do I Get My Benefits?

Under Florida law, the statue requires that your benefits be paid within 30 days after the insurance company receives written notice of the claim and amount.

It is extremely important that notice provisions are complied with in order to receive the benefits you are entitled to.

If the insurance company denies payment, you may be forced to put them on notice and later file a lawsuit to get the benefits you should have been paid.

Contact a qualified auto accident attorney if this is the case

Does PIP Apply In Every Situation?

There are some limitations to the types of injuries are covered by PIP. For example; Motorcyclist Vehicles used in mass transit Uninsured motor vehicles with relatives in the same

household Intentional acts and injuries occurring during the

commission of a felony

Even if you believe PIP may be excluded, you still may have a potential claim! That is why it is important to allow a personal injury attorney to evaluate each situation and determine if other avenues of recovery exist.

What Can An Auto Accident Attorney Do To Help?

An auto accident attorney can help you through the procedural steps in securing your benefits

Notification to the insurance company We do this in a manner that will prevent the insurance

company from claiming ignorance or otherwise delaying the benefits you are entitled to

Assist you in completing the necessary PIP application The application has certain information that must be

completed in order to preserve your claim. We make sure everything is completed to the insurance companies’ requirements.

Additional Florida Auto Accident Resources

If you would like additional information relating to auto accidents and how you can protect your rights, visit the Counsel’s table, a comprehensive Florida Personal Injury resource center where you will find answers to many of your pressing questions. If you don’t find your answer you post a question directly and we will get back with you. You can also contact us directly at 800.360.7015 or fill out a free case evaluation form.