personal injury protection

Personal Injury Protection (PIP) Insurance Claims in Florida

In the state of Florida, if you were injured in motor vehicle accident, whether it is the fault of another party or your own, your PIP coverage through your insurance company, must pay 80% of your medical expenses and up to 60% of your lost wages and replacement services (such as child care, home or yard cleaning, etc.). PIP insurance also pays up to $5,000.00 in death benefits.

Insurance claim disputes are not supposed to happen. The purpose of insurance is to help you when you are in need after an unfortunate event. In most cases the PIP insurance companies pay the money that is due under the insurance policy after you make your claim. However, there are occasions that the insurance company denies claims, pays less than what is due, delays payment, or makes unreasonable demands before making payment. This is when you need a lawyer to provide you with the advice and guidance on the different Florida PIP insurance claim disputes that arise.

Our law firm has significant experience in reviewing PIP insurance claims and advising claimants of their rights under their PIP policies. We also have extensive experience in litigating disputes involving PIP insurance, including actions for breach of contract and declaratory relief.

This type of coverage can, at times, be extremely troublesome for both the claimant as the statute regulating PIP insurance is often vague and open-ended. If you have any questions regarding your coverage, please do not hesitate to call.

What is Extended or Additional Personal Injury Protection Coverage?

PIP is only required to pay 80% of reasonable medical expenses and 60% of lost wages and replacement services. “Extended PIP” is an optional coverage offered by some insurance companies. For an additional premium, the insurance company may increase the amount payable under your PIP coverage over the mandated coverage limits. Usually the increase for medical coverage would be from 80% to 100% and the lost wage benefit from the mandated 60% to 80%.

What is a Compulsory Medical Examination (CME) or an Independent Medical Examination (IME)?

Florida law allows PIP insurance companies to require claimants to submit to compulsory medical examinations or independent medical examinations. This is when the PIP insurance company selects a physician of their choice to examine the claimant in order to evaluate any claims of injury. The insurance company will pay the cost of this examination.

It is important to know that if a claimant refuses to submit to the exam under PIP this may constitute as a breach of contract which may release the insurance company from their obligation to pay benefits.

Orlando, Volusia County and Flagler County PIP Personal Injury Protection Insurance Claim Attorneys

So now that you have been introduced to some of the pitfalls that can occur in personal injury protection insurance cases, it is imperative that you contact us to ensure that your case is aggressively pursued. We have worked with clients on personal injury cases for over 30 years. When you have been injured it’s unavoidable that unexpected costs creep up as you deal with the new reality of disability and perhaps not being able to work. You need the money that comes from your insurance, so it’s vital that you work with experienced attorneys who can cut through the red tape and get you the benefits you deserve. We are your local attorneys that offer you 24/7 access to our law firms’ over 100 years of combined legal experience. That’s a powerful advantage for you.

The Law Offices of Rue & Ziffra have provided legal advice and results for those who have been affected by PIP Personal Injury Protection Insurance Claims in Bunnell, Daytona Beach, DeBary, DeLand, Deltona, Edgewater, Flagler Beach, New Smyrna, Orlando, Ormond Beach, Palm Coast, Port Orange and Sanford.