Florida is a no-fault insurance state, so if you own a car with a license plate, you’ll be required to carry $10,000 of personal injury protection (PIP) insurance along with your other coverage. After payment of your deductible, your PIP insurance coverage in Miami is intended to cover the following:
• 80% of your medical bills
• 60% of your lost earnings
• $5,000 of death benefits
• Mileage reimbursements for medical care and treatment
The Emergency Medical Condition Requirement
Under Florida law, you must be diagnosed with an emergency medical condition within 14 days of the date of your accident. Without such a condition, your insurance company’s total exposure is only $2,500. That sum might not even cover an emergency room bills. The general rule is that your insurance company has 30 days after receipt of a medical bill in connection with your accident to pay it. It might have another 60 days to investigate a bill if it has a reasonable belief that fraud might be involved in the PIP claim. You’ll likely need help with all of this.
Provider Payment Issues
If you’re a health care provider, and you’ve been experiencing payment issues on PIP insurance coverage in Miami, you’ll probably need help too. Car insurance companies will use any number of legal excuses to try and avoid paying PIP claims. Delays and denials only cause medical bills to continue to accrue. Our dedicated and aggressive PIP insurance attorneys may well be able to help you.
