Personal injury protection is no-fault coverage that pays regardless of who caused the collision. Depending on policy limits, PIP can pay up to 80 percent of reasonable medical expenses and a portion of lost wages, and it may cover costs that health insurance does not, such as rehabilitation and replacement services.
PIP is also where disputes begin. Carriers deny bills as unrelated, apply fee schedules aggressively, and cut off benefits early. When injuries are serious, you may also have a claim against the at-fault driver for damages that PIP does not cover.
How we help
- Review your policy and confirm what PIP, MedPay, and uninsured motorist coverage you have
- Make sure you receive treatment within 14 days so PIP benefits are not forfeited
- Challenge denied, reduced, or cut-off PIP payments
- Investigate the crash: police reports, scene and vehicle photos, witness statements, and reconstruction when needed
- Pursue a liability claim against the at-fault driver for medical costs, lost income, and pain and suffering
The 14-day rule
Florida law requires that you receive initial medical treatment within 14 days of the accident to be eligible for PIP benefits. Seek care immediately, even if you feel fine, and keep every record.
Beyond PIP
If your injuries meet Florida's threshold for permanency or significant scarring, you can pursue the at-fault driver for the full value of your damages. We build those cases with thorough medical documentation so the direct cause and the value of your injuries are clear.
Frequently asked questions
Do I need a lawyer for a PIP claim?
Not every claim needs one, but PIP disputes involve fee schedules, treatment deadlines, and policy language that insurers interpret in their favor. A free consultation will tell you where you stand.
What if the other driver had no insurance?
Uninsured and underinsured motorist coverage on your own policy may apply. We review your coverage and pursue every available source of recovery.
How much does PIP pay?
Florida's minimum PIP coverage is $10,000, paying 80 percent of reasonable medical expenses and 60 percent of lost wages up to the policy limit. Whether a doctor documents an emergency medical condition affects how much of that limit is available.
