Florida’s no-fault law attempts to make it easier and quicker for drivers injured in car accidents to recover financially. Yet, the process is not always smooth for the doctors who treat them. If your medical office is facing difficulty with a PIP insurance claim, GED Lawyers can assist you. A Naples personal injury protection lawyer at our firm will work to ensure your practice receives the benefits assigned under your patient’s policy.
Our attorneys will work diligently to get your claim settled so you can reconcile your books quickly and ensure your business expenses are paid. Our law office provides free consultations to medical providers searching for a solution to their PIP benefit problems. Once you tell us the challenge you’re facing, our Naples personal injury attorneys will explain your rights and offer a possible solution.
A Naples PIP Lawyer Can Determine Why You Didn’t Receive Proper Payment
If the liable insurance company denied your PIP claim, it must give a written reason why. Our team can evaluate this reason and act accordingly. We may present the insurer with additional evidence, negotiate a settlement, or otherwise strategize on your behalf.
Some reasons we commonly see for denied PIP claims include:
- The driver no longer had coverage.
- The insurer alleges medical costs are not reasonable or necessary.
- Coverage was exhausted by other providers.
- The emergency medical condition (EMC) was not reported.
- The insurer suspects fraud.
- The patient failed to attend an examination under oath (EUO).
Insurers must pay healthcare providers what they’re owed. When they don’t, this could constitute bad faith insurance practices.
We Combat Bad Faith Insurance Practices
Insurance companies must process every claim in good faith. When they don’t, they could be guilty of bad faith insurance practices. This is when insurers attempt to discourage claimants from seeking compensation by:
- Denying the coverage outlined under the liable policy
- Refusing to maintain constant communication
- Offering less than healthcare providers need
- Pressuring the injured claimants into dropping the claim
- Otherwise impeding the claims process
Our Naples PIP lawyers can protect you from any practices that attempt to deny you compensation. You can learn more about your options now when you connect with GED Lawyers.
Florida PIP Insurance Laws That Affect Your Claim
With an Assignment of Benefits (AOB), the rights of an injured PIP policyholder are transferred to you as the medical provider. That includes timeframes for paying out claims, amongst other things. There are a number of laws under Florida’s statutes that could affect your PIP claim and its outcome.
Some of the pertinent laws include:
- Insurers must furnish payment for your claim within 30 days, or payment is considered overdue.
- The insurer is not obligated to remit payment for a claim within 30 days if it provides proof that it does not bear liability for the Naples car accident.
- You have 15 days to submit a revised claim when your initial claim is denied based on an error.
- Insurers must keep a log of all PIP benefits paid to a policyholder and supply that log to the insured within 30 days of a request if litigation ensues.
- Reimbursement for medical services and care are paid up to $10,000 if the victim has serious injuries as determined by a physician, dentist, or an advanced practice registered nurse.
- If you did not furnish an EMC report to the insurer, the company will only cover $2,500 worth of services rendered.
Healthcare professionals not included in the above list, such as chiropractors, must receive an EMC report from one of the above practitioners to prove the medical services required.
Our personal injury attorneys serving Naples medical care providers can rectify your situation. We can combat an EMC-based denial by getting the patient referred to a qualified medical professional.
We Understand Delayed and Denied Claims in Naples
Our law firm provides dedicated service to healthcare providers throughout the Naples area. If a crash victim was legally entitled to the service you provided, per their PIP policy, we will fight to ensure you are justly reimbursed. With over three decades of helping medical care practitioners recover damages through PIP claims, our attorneys understand how detrimental a denial, delay, or partial payment is to your business.
Having to write off bad debt reduces the funds necessary to keep your practice open and provide the optimal level of care to your patients.
A Naples personal injury protection attorney from our team will work hard to rectify any unjustly denied or underpaid claims you have. If the insurer doesn’t play fairly, you have the option of pursuing legal action in court. We may file a lawsuit based on breach of contract, meaning the insurer didn’t uphold its end of a contractual agreement. When you entrust us with your case, you can rest easy knowing we’re managing your claim or lawsuit from start to finish.
Florida’s Statute of Limitations for Your Naples PIP Lawsuit as a Medical Provider
Per Florida Statutes § 95.11, a claimant generally has five years to file a lawsuit against an insurance company. We recommend consulting our attorneys right away. Not only can we file your case within the statutory deadline but, sometimes, securing legal help is enough to compel a fair settlement offer.
We resolve many PIP claims through negotiations and insurance talks. Yet, we leave your right to file a lawsuit open. This could provide the leverage needed to resolve your situation.
A Naples Personal Injury Lawyer at Our Firm Can Manage Your PIP Claim
When insurers won’t honor their obligation to reimburse your medical practice for the cost of treatments you provided, contact GED Lawyers. Our Naples personal injury protection lawyers have the legal experience to procure the payout you’re entitled to. Let us take over the stress of managing your claim.
In addition to reimbursement through personal injury protection, your medical practice could also collect any remaining balance that exceeds the PIP limits. Our attorneys can discuss your options with you. You only pay us if we recover your compensation. Call us now for a free case review.