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Avoid Common PIP Recovery Pitfalls


A mandatory component of Florida auto insurance, Personal Injury Protection (PIP) is designed to provide compensation, quickly and effectively, for medical bills and lost wages should an auto accident occur.

While PIP is a welcomed financial lifeline for many, there are situations where Florida residents inadvertently jeopardize their ability to access PIP compensation. Working with a Miami personal injury lawyer is a way to streamline the recovery process.

Delaying Treatment and Providing Incomplete Information

A big mistake accident victims make is delaying or forgoing medical treatment and then deciding they need to access PIP recovery. PIP insurance requires that injured parties seek medical attention within 14 days of the accident, and failing to do so could result in the denial of your PIP claim. Because of this, seeing a healthcare professional after the event, even if your injuries seem minor, it’s crucial.

It is also important to notify your insurance company promptly. If you don’t inform the insurance company as soon as possible., you may experience delays in the processing of your PIP claim. Moving forward with a strong PIP claim also means you need to provide complete and accurate information about the accident and your injuries. Incomplete information can raise red flags with your insurer, leading to claim complications. Be honest and thorough, including collecting all documentation related to your accident and medical treatments. Records of medical bills, prescriptions, diagnostic reports, and other related expenses will support your PIP claim.

Misunderstanding Your Coverage and Accepting a Quick Settlement

In Florida, PIP insurance typically covers up to $10,000 in accident-related expenses such as medical expenses and lost wages, but if your injuries are not deemed an emergency medical condition, your coverage may be limited to $2,500. It is important to have a full understanding of your coverage limits, doing so will help you manage your financial recovery expectations.

Also be aware of the dangers of accepting a monetary settlement from an insurance company before you have a complete assessment of your injuries. It can be difficult to impossible to pursue further compensation after a settlement has been secured.

Too often, individuals assume they are ineligible for PIP compensation. This can be especially true for individuals who were not in their own vehicle at the time of the accident. But your PIP coverage may extend to your situation, don’t make the mistake of assuming your ineligibility without talking to a Miami personal injury lawyer to protect your financial future.

Because there are a lot of possible mistakes and PIP claims can be complex, realize there are options beyond navigating the claim process on your own. A knowledgeable attorney can inform you of best practices and walk you through the PIP recovery process.

Should you explore your PIP options? PIP insurance is a valuable resource in Miami, to ensure you receive the benefits you’re entitled to, talk to the legal team Spencer Morgan Law about common PIP recovery errors and how to strengthen your claim. Call 305-423-3800 to schedule your fee-free consultation.

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