What is a PIP suit and how does it work in Florida after a car accident?

A PIP suit is a lawsuit filed against your own auto insurance company to force them to pay your rightful Personal Injury Protection benefits. When your insurer wrongfully denies your claim, delays payment beyond the legal window, or underpays your medical bills, a PIP suit is the legal tool that makes them pay — plus interest and attorney fees. When should you consider a PIP suit? 1. Your claim was denied without a valid reason If your insurance company denies your PIP claim and cannot provide a valid, documented reason, they are violating your policy. Common wrongful denials include: claiming you missed the 14-day deadline when you did not, disputing medical necessity without reviewing your records, or denying treatment your doctor clearly documented as necessary. 2. Payment is delayed beyond the legal window Florida law requires insurance companies to pay or deny PIP claims within 30-60 days. If they have been sitting on your claim for months without explanation, they are in violation. These delays are a tactic to pressure you into accepting less. 3. They are only offering $2,500 when you have an EMC If you have an Emergency Medical Condition (EMC) diagnosed by a physician, your PIP coverage should be the full $10,000. If your insurance company is only paying $2,500, they are not honoring your full benefit. Dr. Sklar M.D. provides EMC evaluations that unlock the full $10,000. 4. They are disputing the medical necessity of your treatment Insurance companies routinely claim that treatment was not necessary, even when your doctor clearly documented the need. When they do this, they are betting that you do not have the medical documentation to fight back. Dr. Plummer provides the legal-grade documentation that proves medical necessity. How a PIP suit works in Florida: Step 1: File a Complaint Your attorney files a lawsuit against your insurance company in Florida court. The complaint states that your insurance company violated its policy by wrongfully denying or underpaying your PIP claim. Step 2: Provide Medical Evidence Dr. Plummer supplies complete medical records, expert opinions, and testimony proving your treatment was medically necessary and directly related to your car accident. This includes injury evaluations, treatment plans, progress notes, and causation opinions. Step 3: Negotiation or Trial Most PIP suits settle before trial. Your attorney negotiates with the insurance company using your medical documentation. Insurance companies often settle because they know Dr. Plummer's documentation is thorough and court-tested. Step 4: Recover Your Benefits If successful, the court orders your insurance company to pay your medical bills plus interest and attorney fees. In many cases, the insurance company must pay your attorney's fees in addition to your medical bills. Why PIP suits are effective: PIP suits are particularly effective because insurance companies know they are wrong. They are often hoping you will not fight back. When you hire an attorney and have complete medical documentation, they typically settle rather than risk a court judgment. Dr. Plummer's role in PIP suits: Dr. Plummer provides all the medical documentation, expert opinions, and deposition testimony needed for PIP suits. He has been involved in hundreds of PIP cases over 33 years and knows exactly what attorneys need to win. His documentation includes: - Detailed initial injury evaluations with specific diagnoses - Treatment plans with measurable goals and timelines - Progress notes at every visit documenting improvement - Causation opinions linking injuries directly to the accident - Impairment ratings when appropriate - Complete billing records and PIP claim forms If you believe your insurance company has wrongfully denied or underpaid your PIP claim, call Dr. Plummer at (941) 740-2273. He will review your medical documentation and can refer you to experienced PIP attorneys who fight insurance companies every day. We provide the medical evidence you need to win.