If you work as a medical provider and your patient has had their PIP benefits denied, our team of attorneys is here to help. The team at GED Lawyers understands how to navigate the process of negotiating with insurance companies, and we could do so on your behalf.
It could be possible to have your client’s denied claim reversed. In some cases, these denials are based on little more than a paperwork error. A Coral Springs personal injury lawyer from GED Lawyers could help you face the insurance company so you don’t have to.
How Does PIP Coverage Work in Coral Springs?
Personal Injury Protection—or PIP—is a part of the auto insurance coverage that every driver is required to carry in Coral Springs. If you are unsure what PIP is, the best way to understand it is to think of it as the part of your car insurance that covers the cost of your client’s injuries.
It is important to remember that PIP covers more than just medical expenses immediately after an accident. An injury victim could be entitled to recover damages based on their past and future medical expenses. Additionally, PIP coverage can pay for any wages they miss out on while they recover from their injuries.
PIP coverage might overlap with a person’s health insurance, including any policy provided by their employer. It is a good idea to have both types of coverage, however, as policy limits could make it impossible to get the full value of a claim. Usually, an injured party will only have access to your health insurance proceeds in cases where medical bills exceed the limits of PIP coverage.
In most places, PIP coverage is an optional add-on that is not required under the law according to the Florida Department of Safety and Motor Vehicles. That is not the case in Coral Springs, as PIP coverage is mandatory. This is because Florida is a no-fault state, which means drivers have to rely on their own insurance in many cases before they file a lawsuit against the other driver.
Who Can File a PIP Claim?
Unlike liability insurance, PIP insurance is designed to cover the policyholder after an accident. This coverage extends beyond the driver of the vehicle in question. PIP coverage can also pay for the passengers in a vehicle covered by PIP insurance. In fact, this coverage is even extended to pedestrians and children injured in school bus accidents under some circumstances.
It is worth noting that the limits associated with these policies apply to everyone filing a claim. In general, this insurance only covers 80 percent of the expenses related to an accident. This means most people can expect to face some financial burdens after an accident even when PIP coverage is in place.
Why Are PIP Claims Denied?
Complicated PIP claim assignments can be frustrating, especially when these claims are denied. Insurance providers are required to give a reason why a claim was rejected, but that explanation does not always make sense. One of the benefits of hiring the team at GED Lawyers is that we can determine if the denial of your client’s claim was in error.
The first step in this process is to review the reason given for the denial. There are different excuses that insurance carriers rely on when rejecting PIP claims. Some of these excuses include the following:
- The claimant waited too long to seek medical care
- The claimant did not comply with an independent medical exam
- The claimant misrepresented the nature or severity of their injuries
- The prescribed medical care was unnecessary
Denials can occur due to allegations of mistake, fraud, or the failure to comply with the company’s investigation. Some of these denials are easy to rectify by providing additional information or agreeing to an independent medical exam.
In other cases, it becomes obvious that the insurance company is not acting in good faith. In these situations, there is little you can do on your own to get them to honor their policy voluntarily. With our help, you can pursue legal action that holds them accountable for their bad faith. We are also able to negotiate settlements with the insurance company even after the claim was initially denied. Putting your trust in our firm could provide you with a path to compensation on your assigned claim.
How Can a PIP Lawyer in Coral Springs Help?
The team at GED Lawyers understands how to deal with insurance companies when they refuse to respond to PIP claims in good faith. We have resolved countless cases with insurance companies, and our case results speak for themselves.
When we take on a new case, we carefully review the patient’s PIP paperwork to get to the bottom of why the claim was denied or underpaid. This investigation can provide us with the information we need to appeal that denial and push back against unreasonable settlement offers.
We can also take the stress and hassle of dealing with the insurance company off of your plate. You have other claims and patients to deal with, and we can resolve these complicated legal matters on your behalf. We can also communicate directly with the insurance company so that you don’t have to.
Along the way, we can keep you updated on the status of your case. We can also answer any questions you might have about the claims or appeals process.
Reach Out to a PIP Claims Attorney in Coral Springs Right Away
Our firm understands what it takes to hold insurance companies accountable. Each year, we use our experience and skill to help medical care providers recover the cost of the care they provide.
If you need help with your assigned PIP claim, GED Lawyers is ready to advocate on your behalf. A Coral Springs PIP lawyer from our firm could evaluate the claim, respond to any denials, and help you fight for the compensation you deserve. Call as soon as possible for your free consultation.