Shmucher Law, PL offers medical provider representation in any of their disputed medical insurance claims. The following are common questions that we receive from providers:
What is Personal Injury Protection (P.I.P.)
PIP is referred to as no fault insurance coverage that every motorist is required to maintain under Florida law. Under the PIP insurance the motorists can get up to $10,000 in medical expenses and lost wages in a motor vehicle collision.
Does PIP insurance cover the driver at fault
PIP covers all drivers regardless of who is at fault.
Is there PIP coverage on the patient?
Here are the most common answers to this question
Did the Patient treat within 14 days of the accident?
No – no pip coverage will apply
Yes – Continue to the next question
Did the patient own a car?
Yes – Yes there is PIP coverage and any claim must be made with your own insurance company
No – Continue to the next question
Did the patient live with a relative (can be either blood or spouse) who own a car?
Yes – Yes there is PIP coverage and any claim will be made out of the relatives insurance
No – If the patient was in a vehicle that was involved in an accident they will have coverage under the drivers vehicle (of the car they were in).
Is a pedestrian covered under PIP?
A pedestrian can be covered under PIP if they owned a car or lived with a relative who owns a car. Also they may be able to get coverage through the at-fault driver’s insurance.
Is a bicyclist covered under PIP?
A bicyclist, like a pedestrian , can be covered under PIP if they owned a car or lived with a relative who owns a car. Again they may be able to get PIP coverage under the at-fault driver’s insurance if the other two don’t apply.
Emergency Medical Condition – Established within 14 days of accident?
No, there is no requirement that an emergency medical condition be established within the 14 days after the accident.
Who can provide the initial care and service?
Under the PIP statute the following places or people can provide the initial service Chiropractor, M.D., D.O., D.C., dentist, hospital, or ambulance.