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What Do I Do If My Insurance Company Refuses To Pay My Florida PIP Claim?


Florida being a no-fault state, expects motorists to turn to their insurance companies after auto accidents. That is why each Florida motorist must carry Personal Injury Protection (PIP) coverage of at least $10,000. Regardless of who is at fault, a motorist is entitled to receive compensation from their PIP coverage.  PIP can cover up to 80% of your medical expenses or up to a maximum of $10,000.

Generally, the main reason for introducing PIP in Florida was to reduce payment delays for injured motorists. Unfortunately, injured motorists still experience delays even with PIP coverage. Insurance companies all over the state are known for refusing to pay motorists’ auto insurance claims. So, what should you do when your insurance company refuses to pay your Florida PIP claim?

Before discussing what to do when your insurance company refuses to pay your Florida auto insurance claim, here’s a look at why your insurance company may deny your claim.

Why Insurance Companies Deny PIP Claims

Your insurance company may deny paying your PIP claim because;

  • You failed to seek medical attention on time. In Florida, car accident victims are required to seek medical attention within 14-days after their accident. Failure to seek medical attention within two weeks is many times used against claimants.
  • Your insurance coverage does not provide coverage for the particular claim you are making.
  • Your injury was not caused by the accident.
  • You failed to report the accident on time.

What You Should Do if Your Insurance Company Refuses To Pay Your PIP Claim

When your insurance company denies your PIP claim, your emotions will most likely run high. Nonetheless, despite what you feel, you need to avoid emotional responses. Anger, for example, will not help. Considering the number of insurance claims insurance companies deny, your insurance company is most likely used to outbursts. Therefore, an outburst will most likely not change the insurance adjuster’s mind.

After your insurance company denies your PIP claim, seek legal help. Insurance companies many times only recognize that claimants are serious about fighting back when claimants take legal steps. An attorney will help you determine why your claim was denied in the first place and gather facts that can help your case. The insurance adjuster might reconsider their position if you work with an attorney to provide new evidence and facts to support your claim. Generally, when you and your attorney present new facts and evidence, your insurance company might be forced to reexamine its original conclusion.

Contact a Miami Personal Injury Attorney Today

Florida PIP claim denials are not uncommon. Even though Florida is one of the no-fault states, and you deserve fair compensation, the reality is that your insurance company is not necessarily your friend. If you believe your insurance company has unfairly denied your PIP claim, allow the Miami personal injury attorneys at the Pendas Law Firm to help you. Also, reach out to our legal team if you need help filing a claim against an at-fault party if an auto accident left you with severe injuries that make it impossible for your PIP coverage to cover your damages. Our legal team will battle with insurance adjusters on your behalf. Contact us today to schedule a consultation.

The Pendas Law firm will also represent clients in the Orlando, Daytona Beach, Ocala, Fort Lauderdale, Tampa, Bradenton, Fort Myers, Jacksonville, and West Palm Beach areas.



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