This presentation walks you through what Florida's Personal Injury Protection (PIP) coverage is, how it works, and steps you need to take to ensure you are compensated if you suffer injuries in an auto accident in Florida.

1. Understanding
Florida’s
Personal Injury
ProtectionInsurance
14 Days or Lose It!
Auto Accidents Resources In Florida
http://davidlaw.com/

2. What is PIP?
 Personal Injury Protection coverage, also referred to as
“no-fault” Insurance
 Part of your car insurance contract
 PIP will cover portions of your medical expenses and lost
wages regardless of whether you caused the accident or
not
 PIP coverage is required in the state of Florida

3. PIP MedicalTreatmentTiming
Requirements
 Under Florida law, you must seek medical treatment
related to the accident within 14 days to be eligible for
reimbursement.
 For those who wait beyond this period, they will lose
important benefits like payment for medical expenses and
loss of wages.

4. PIP Excluded Services
The following treatments are specifically excluded
from PIP coverage
 MassageTherapy
 Acupuncture
 Limitations now exist for Chiropractors in the amount of
$2,500

5. How Much Will PIP Pay?
 Compensation can vary by contract
 Most PIP payments are limited to $10,000
 If you carry a deductible on your policy, that will need to
come out of pocket before PIP kicks in.

6. Important StepsTo Preserving PIP
Benefits
 You MUST NOTIFY your insurance company and report
the accident
 Failure to do so will void your right to compensation
 Notify via phone call then follow up in writing (email or
certified letter).
 As mentioned before, seek medical treatment within 14
days.

7. SeekTreatment fromYOUR
Provider of Choice!
 Insurance companies may want to pick and choose your
medical providers but they DO NOT have the right to do so
 You should seek treatment from your provider of choice
when the treatment is required.There is no need to obtain
permission from the insurance company on who or when
to get treatment.

8. How Quickly Do I Get My
Benefits?
 Under Florida law, the statue requires that your benefits be
paid within 30 days after the insurance company receives
written notice of the claim and amount.
 It is extremely important that notice provisions are
complied with in order to receive the benefits you are
entitled to.
 If the insurance company denies payment, you may be
forced to put them on notice and later file a lawsuit to get
the benefits you should have been paid.
 Contact a qualified auto accident attorney if this is the case

9. Does PIP Apply In Every
Situation?
 There are some limitations to the types of injuries are covered
by PIP. For example;
 Motorcyclist
 Vehicles used in mass transit
 Uninsured motor vehicles with relatives in the same household
 Intentional acts and injuries occurring during the commission of a
felony
 Even if you believe PIP may be excluded, you still may have a
potential claim! That is why it is important to allow a personal
injury attorney to evaluate each situation and determine if
other avenues of recovery exist.

10. What Can An Auto Accident
Attorney DoTo Help?
An auto accident attorney can help you through the procedural
steps in securing your benefits
 Notification to the insurance company
 We do this in a manner that will prevent the insurance company
from claiming ignorance or otherwise delaying the benefits you are
entitled to
 Assist you in completing the necessary PIP application
 The application has certain information that must be completed in
order to preserve your claim.We make sure everything is
completed to the insurance companies’ requirements.

11. Additional Florida Auto Accident
Resources
If you would like additional information relating to auto
accidents and how you can protect your rights, visit the
Counsel’s table, a comprehensive Florida Personal Injury
resource center where you will find answers to many of
your pressing questions. If you don’t find your answer you
post a question directly and we will get back with you.You
can also contact us directly at 800.360.7015 or fill out a
free case evaluation form.