Florida PIP Claims Lawyer
Personal Injury Protection
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Talk directly with Joshua Costello, Esq.
Share the basic facts and records you have so the firm can evaluate whether it may be able to assist.
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(954) 591-8099
Understanding the benefits available under your PIP policy
Florida Personal Injury Protection insurance is intended to provide prompt benefits after a motor vehicle accident without requiring the injured person to first prove who caused the crash. In practice, questions about eligibility, treatment timing, medical necessity, emergency medical condition findings, billing, examinations, and policy limits can delay or reduce payment.
The Costello Law Group represents Florida policyholders and medical providers in PIP disputes. Attorney Joshua Costello works directly with clients to review the policy, claim file, medical records, bills, explanations of benefits, denials, and payment history. The objective is to identify the actual issue and choose a proportionate next step rather than treating every unpaid bill as the same dispute.
Understanding eligible benefits and covered expenses
What Florida PIP May Cover
Under Florida’s current No-Fault Law, required PIP coverage generally provides up to $10,000 in combined medical and disability benefits and $5,000 in death benefits, subject to the statute and policy. Qualifying medical benefits generally pay 80 percent of reasonable medically necessary expenses, and disability benefits generally pay 60 percent of covered lost gross income and loss of earning capacity. Deductibles, exclusions, priority rules, and policy terms can affect payment.
Initial medical services generally must be received within 14 days after the accident. Medical reimbursement may reach $10,000 when an authorized professional determines the injured person had an emergency medical condition, while the statute generally limits medical reimbursement to $2,500 when the person did not have an emergency medical condition. These rules are detailed, and the record should be reviewed before drawing a conclusion about available benefits.
Support with denied, delayed, or underpaid PIP claims
Common PIP Disputes
A PIP claim may require legal review when the insurer:
- Denies coverage or disputes which policy has priority.
- Claims treatment was unrelated, unreasonable, or medically unnecessary.
- Reduces a bill under a fee schedule, coding position, deductible, or policy limitation.
- Challenges the timing or completeness of bills and supporting records.
- Requests an examination under oath or medical examination, or withdraws authorization for treatment.
- Pays some charges but omits or rejects others without a clear explanation.
Careful review and focused action on your PIP matter
From Claim Review to Demand
The first step is to reconcile the claim. That means matching each date of service and amount billed to the insurer’s payment, reduction, or denial reason. Florida law requires an itemized specification when an insurer partially pays or rejects a claim, and a claimant may have an opportunity to correct certain claimed errors.
Before filing an action for PIP benefits, Florida law requires a written notice of intent to initiate litigation after the claim is overdue. The demand must include specific information and be delivered in the required manner. The insurer then receives a statutory period to respond. Because the demand controls what may follow, it should be prepared from a verified ledger and complete supporting record.
Attorney-Led Representation
Request a Direct Review of a Florida PIP Claim
Contact The Costello Law Group if PIP benefits were delayed, denied, or reduced. Joshua can identify missing records, explain the insurer’s stated position, and discuss whether correction, negotiation, a statutory demand, or litigation is appropriate.
- Direct communication with Joshua
- Focused case preparation
- Clear explanation of options
- South Florida representation
Personal Injury Protection FAQs
Frequently Asked Questions
Does PIP pay every medical bill after a crash?
No. Coverage, the 14-day treatment rule, provider eligibility, medical necessity, causation, billing compliance, deductibles, benefit limits, policy terms, and exclusions may affect payment.
Can both an injured person and a medical provider have a PIP dispute?
Yes. The correct claimant and rights depend on the policy, services, applicable documents, and law. The firm reviews matters for policyholders and providers.
What records should I provide?
Provide the policy or declarations page, crash information, claim number, medical records, bills, explanations of benefits, denial letters, payment logs, correspondence, and any examination or document requests.
Based in Cooper City. Serving Davie, Pembroke Pines, and clients throughout Florida. Contact The Costello Law Group at (954) 591-8099 to discuss.
Free Consultation
Tell us what happened.
Share the basic facts and the records you have. The firm can evaluate whether the matter falls within its current services and explain what additional information may be needed.
Joshua Costello
The Costello Law Group
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