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What You Need To Know About PIP Litigation In Florida


Personal Injury Protection is commonly referred to as PIP. If you get into a car accident and sustain injuries, you might need to file a lawsuit to recover some of your damages. From medical bills to lost wages, PIP coverage can help you with the monetary compensation you need to keep going. Here are the three steps to take to ensure that you get what you are entitled to.

Step One: Filing A Claim

If you are injured in an accident, the first thing you should do is to file a claim with your insurance company. Every insurance company requires a different process, so check with your insurer to understand how to proceed.

PIP claims have strict deadlines that you and your insurance company are required to adhere to. It’s important to file your claim as soon as possible. Keeping good records of when you filed and evidence to support it is essential for your case.

If your insurance company denies your claim, or if they offer a lower amount that does not cover your damages, the next step it to write a Demand Letter.

Step Two: The Demand Letter

A Demand Letter details your claim and explains the monetary amount that you are seeking. This should be laid out to cover the claim, interest, and all costs related to the initial claim rejection, such as penalties. This gives your insurance company notice that they have 30 days to pay the claim. If they do not pay within that time, you can go ahead and file a PIP lawsuit.

Step Three: File A Lawsuit

When filing a PIP lawsuit, the more evidence you have, the better. Collect thorough documentation from doctors, specialists, and anyone who treated you for your injuries. Collect witness statements from anyone who saw the accident occur. Provide records of all interactions you had with the insurance company up to this point. Have records of all forms of financial loss you suffered since the accident, such as lost wages. Your lawyer can help you gather all of the evidence to help you be prepared to present your case.

Moving On To A Personal Injury Claim

Though there are strict deadlines for filing your insurance claim, the guidelines are a bit more relaxed for filing a PIP lawsuit. Florida’s statute of limitations typically provides you five years from the day that the claim was due to file.

Based on the severity of your injury and the limits to your PIP, however, you might need to file a personal injury lawsuit. This type of lawsuit has different limitations, so you’ll need to contact a personal injury lawyer as soon as possible to help you understand and navigate through the system.

PIP lawsuits and personal injury claims can be daunting. For those who have already suffered through the trauma of an injury, the additional task of a lawsuit can feel dark and hopeless. But with our firm on your side, there’s a light at the end of the tunnel. You don’t have to go through this alone. Contact us today for help in getting your personal injury claim handled in the best way possible.

Stephen M. Fernandez developed a strong belief in justice and fairness in public policy while earning his Political Science degree prior to attending law school. Since joining the Florida Bar Association in 2004, Stephen Fernandez has combined his background in public policy, business administration and civil law to serve as a highly effective trial lawyer fighting for Florida's injured, working hard every day to make sure his clients get what they are owed.

What You Need To Know About PIP Litigation In Florida

Goldman Babboni Fernandez
Murphy & Walsh




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