Florida remains a no-fault state for insurance and this expects many motorists to turn to their own insurance policy in the event that they’re involved in an auto accident where another driver is underinsured. Regardless of who is at fault for an accident, PIP will be able to cover 80% of medical expenses up to a maximum of $10,000. PIP was originally introduced to help reduce payment delays to motorists and to reduce the load on the system for people that were experiencing problems with medical bills and coverage.
If you’re in a position where your insurance company is refusing to pay out PIP claims for your accident, it’s important to know why they may have denied your claim. Some of the main reasons that an insurance company might deny a PIP claim:
You did not seek medical attention on time:
You need to seek medical attention within 14 days of your accident to qualify for PIP coverage. Failure to seek medical attention within two weeks can often be used as a grounds for dismissal on your claim.
Your insurance coverage does not cover the claim:
If you’re making a specific claim that goes beyond medical expenses, your insurance coverage may not be able to provide you with compensation from your PIP coverage. This often occurs when the injury was not caused by your accident or the events of the accident or you failed to report your accident on time.
Contact an attorney the moment that your insurance company has denied your PIP claim. It’s very important that you have an advocate on your side who can reduce the chances of you getting emotional over the phone or having your claim disputed further. We work with you and your insurance company to determine why your claim was denied and how you could access compensation for your case.
Contact us today if your PIP claim is denied.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claims attorney. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.
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