Experienced PIP Attorneys Recover Millions of Dollars in PIP Benefits for Clients
If you are a medical provider assigned to a patient whose PIP benefits have been denied, our lawyers can take on the insurance company for you. Florida’s laws regarding Personal Injury Protection (PIP) are confusing, and filing an insurance claim is fraught with challenges.
Insurance companies undervalue or outright deny PIP claims for a variety of reasons. Even a simple error in your patient’s paperwork can cause issues. You don’t have to go up against an insurer alone, though. The skilled Florida PIP insurance attorneys at GED Lawyers specialize in handling PIP claims in Florida and have a track record of successfully recovering millions of dollars in PIP benefits for their clients.
What Is PIP?
Florida’s Personal Injury Protection (PIP) insurance law dates back to 1971 when it was adopted as a way to ensure prompt, fair insurance payments for those Florida drivers who had been injured in car accidents.
Personal Injury Protection (PIP) insurance provides coverage of medical expenses and ‘ in some situations ‘ loss of income and other damages if you have been injured in a car accident. Typically, PIP insurance policies cover the driver, passengers, and any pedestrians involved in the car accident. In Florida, every driver is required by law to have Personal Injury Protection (PIP) coverage of $10,000.
Who Is Covered Under Florida’s PIP?
PIP covers not only the driver but also any passengers or pedestrians struck by the vehicle. PIP insurance extends beyond the policyholder ‘ to any children that are injured while riding a school bus, members of the household, and passengers in the vehicle at the time of the accident who do not have their own PIP insurance because they do not own a car.
If, however, a passenger in the car has their own PIP insurance policy, then the passenger will be protected by their own PIP policy for any injuries that are a result of the accident.
Florida’s No-Fault Car Insurance Laws
Florida follows a ‘no-fault’ car insurance policy, and Personal Injury Protection (PIP) provides protection regardless of who is legally responsible for the accident. It does not require that the policyholder prove fault in order to receive PIP benefits.
When sustaining an injury in a car accident, the injured party must first file a claim with their own insurance company to receive compensation for any non-serious injuries that they sustained. Then the next step is for the injured victim to pursue a property damage claim with the other driver’s insurance company. If the injuries sustained in the accident are severe and permanent, then the injured party must file a claim against the other driver.
Florida’s Pure Comparative Negligence
Florida is a ‘pure comparative negligence’ state. If you are injured in a car accident and your case goes to trial, the judge or jury will determine each driver’s level of fault for the accident. Then the damage awards are reduced by that percentage. So, if you sustained $10,000 in damages after a car accident but it was determined that you were 30% at fault for the accident, your recovery will be limited to 70% of the damages ‘ $7,000.
Statute of Limitations
Every state has legal time limits for filing a claim in court, known as the statute of limitations. In Florida, the statute of limitations for personal injury claims is two years from the date of the accident. Missing this deadline means that the court will not hear your case, nor will you recover any compensation for your injuries.
Recover the Insurance Benefits that Are Rightfully Yours
When the insurance company stalls, disputes, or denies a PIP claim, our team takes them on. If you have accepted an assignment of a patient’s PIP benefits and those benefits have been denied, let us help. At GED Lawyers, our skilled Personal Injury Protection attorneys fight for the insurance benefits that are rightfully yours.
We specialize in handling PIP claims and have in-depth knowledge of Florida PIP laws, staying current on any changes in Florida’s insurance laws. If you are a medical professional whose patient is being denied PIP benefits, we can help. Call us today!