Why Do We Have PIP Coverage in the State of Florida?

Early in the 1970’s Florida’s automobile insurance industry started complaining that victims of automobile accidents could sue the tortfeasor or at-fault party for their injuries, pain an suffering with absolutely no threshold to recovery.  They continued to complain that a relatively small car accident would gain some settlement value because the insurer would have to … Read more

Commonly Used Terms in Auto Accident Cases- Part 6

Pre-litigation Pre-litigation occurs prior to the initiation of the litigation process.  During the “pre-litigation” phase of your file, your attorney will obtain your medical records and bills in anticipation of preparing and forwarding a demand letter to the insurance carrier for the at-fault party (who caused the crash).   This process usually ends about the time … Read more

2013 Changes To Florida PIP Laws – Part 6

Under Florida law PIP is primary over all other forms of insurance.  What this means is that PIP must be used and exhausted before any other form of insurance will pay a medical bill.  Thus, as an example, if someone is in a car crash and there are PIP benefits available, Medicare, Medicaid or private … Read more