Personal Injury Protection
Understanding Florida PIP laws can be challenging. We’re here to guide you and protect your interests.
Understanding PIP in Florida.
Personal Injury Protection, aka “No Fault” Insurance.
PIP Basics
- Florida is a No-Fault state, meaning your Personal Injury Protection (PIP) insurance covers up to $10,000 in medical bills and lost wages after a car accident, regardless of who caused it.
- Medical payments coverage (MedPay) is an additional coverage that helps pay for medical expenses beyond your Personal Injury Protection (PIP) limits.
- Florida law requires every driver to carry $10,000 in Personal Injury Protection (PIP).
What does PIP Cover?
If you’re hurt in a car accident, PIP may pay for:
- Medical Bills (doctors visits, hospital care, therapy)
- Lost Wages if you can’t work
- Death Benefits for fatal accidents
PIP can also apply if you’re a cyclist or pedestrian hit by a car.
Important Deadline
- You must see a doctor within 14 days of the accident to use PIP benefits.
- Waiting too long could mean losing your coverage.
The Reality with Insurance Companies
- PIP is supposed to pay up to $10,000 for necessary treatment.
- But many times, insurers:
- Deny Claims
- Underpay Bills
- Delay Payments
Emergency Medical Condition (EMC) Requirement
- To receive the full $10,000 benefit, a doctor must determine that you have an “Emergency Medical Condition.”
How We Fight for Medical Providers in PIP Cases
At Seth M. Alper, P.A., we stand with medical providers who deserve to be paid fairly and promptly for the care they provide to auto accident victims. In the constantly shifting landscape of Florida’s PIP laws, especially after the passage of HB 837, many providers are finding it harder than ever to recover what they’re owed. We’re here to change that.
Aggressive Enforcement of Your Rights
Insurance companies often delay, underpay, or outright deny valid PIP claims. We don’t tolerate that. Our team aggressively pursues reimbursement on your behalf. Whether the issue is improper reductions, delayed payments, or complete denials. We use deep knowledge of Florida PIP statutes and fee schedules to hold insurers accountable.
Strategic Litigation – Pre and Post HB 837
Even though HB 837 has eliminated one-way attorney’s fees in many PIP cases, we continue to represent providers statewide in both pre- and post-reform cases. We evaluate each claim strategically, weighing the costs, risks, and potential recovery. We then proceed with litigation when it makes financial sense.
Documentation and Compliance Support
We assist providers with reviewing billing practices, coding accuracy, and documentation to strengthen claims before they’re even submitted. The stronger the claim file, the harder it is for insurers to deny payment, and the easier it is to win in court if they do.
Personalized, Provider-Focused Service
Unlike firms that have pulled away from PIP litigation post-reform, we remain committed to the medical provider community. We understand the business side of medical practices and tailor our approach to meet your financial goals, practice size, and preferred level of involvement.