Florida is a no-fault insurance state. This means that after a car accident, your own Personal Injury Protection (PIP) insurance is the first source of payment for your medical bills and lost wages, no matter who caused the accident. Florida law requires all drivers to carry a minimum of $10,000 in PIP coverage.
Unfortunately, PIP claims are denied and disputed far more often than most accident victims realize. Insurers may question whether your injuries are truly accident-related, dispute the medical necessity of your treatment, apply aggressive reimbursement cutbacks, or use technical policy interpretations to reduce or eliminate your benefits entirely.
Critical: The 14-Day Rule
Florida law requires you to seek medical treatment within 14 days of your accident to qualify for PIP benefits. This deadline is strict and non-negotiable. If you've been in an accident, get checked out right away, even if you feel okay. Many serious injuries don't show obvious symptoms at first. Do not wait.
What PIP Covers in Florida
Medical Expenses
PIP covers 80% of reasonable and necessary medical expenses, including emergency care, hospitalization, surgery, and follow-up treatment.
Lost Wages
PIP covers 60% of your lost wages if your injuries keep you from working, up to your policy's coverage limit.
Death Benefits
In the event of a fatal accident, PIP provides a $5,000 death benefit to the insured's estate regardless of fault.
Replacement Services
If your injuries prevent you from performing household tasks, PIP may cover the cost of replacement services at approximately $20/day.
PIP Denial Appeals
When your insurer improperly denies PIP benefits, VP Law challenges the denial and fights to reinstate your full coverage.
Coordination with Liability Claims
When PIP coverage is insufficient, we simultaneously pursue compensation from at-fault parties and any available underinsured motorist coverage.
How VP Law Handles PIP Claims
Immediate Case Review
We review your accident, injuries, and insurance policy to map out your full PIP entitlement and identify any issues that could affect your benefits.
Medical Provider Coordination
We connect you with qualified medical providers who understand PIP paperwork, so your treatment is documented properly for the most benefits.
PIP Claim Monitoring
We stay in active contact with your insurer throughout the claims process, addressing delays, documentation requests, and coverage disputes as they arise.
IME Defense
If your insurer schedules an Independent Medical Examination (IME) to cut off your benefits, VP Law protects your rights throughout that process.
Denial Appeals & Litigation
If your insurer improperly denies or significantly reduces your benefits, we file formal challenges and pursue litigation if necessary.