Florida PIP Attorneys

Fight Denied or Underpaid Claims

Denied or underpaid PIP benefits after a Florida car accident? Kemp Law Group fights insurance companies to get you the coverage you deserve.

After a car accident in Florida, your Personal Injury Protection (PIP) insurance is supposed to cover your medical bills and lost wages. Unfortunately, insurance companies often deny claims, delay payments, or refuse to pay the full amount. At Kemp Law, we make sure insurers honor their obligations.

Call (727) 788-6792 for a free consultation with an experienced Florida PIP attorney.

What is Personal Injury Protection (PIP) in Florida?

Florida’s no-fault insurance system requires all drivers to carry at least $10,000 in PIP coverage. PIP is designed to provide a financial safety net after a car accident, covering:

• 80% of medical expenses related to your accident
• 60% of lost wages if you miss work due to injuries
• Up to $5,000 in death benefits for funeral expenses

The 14-Day Rule: You must seek medical care within 14 days of your accident to qualify for full PIP benefits. Missing this deadline reduces your coverage to $2,500.

When You Need a Florida PIP Lawyer

Most PIP claims are straightforward, but legal help is critical if:

• Your claim was denied despite timely treatment
• The insurance company delays payment for weeks or months
• Benefits are terminated early before your policy limit
• Insurers dispute your medical treatment as unnecessary or excessive
• You exceeded the $10,000 PIP limit and need additional compensation
• Your injuries are catastrophic requiring compensation beyond PIP
• Insurers dispute whether your injuries are accident-related

Insurance companies aim to pay as little as possible. Our goal is to get you everything you’re owed.

Common PIP Problems We Solve

• Denied claims – citing pre-existing conditions, treatment gaps, or accident unrelated
• Underpaid claims – insurers argue treatments are “unnecessary” or “excessive”
• Delayed payments – Florida law requires payment within 30 days; insurers often stall
• Independent Medical Exam (IME) demands – biased examiners can undervalue your injuries

Beyond PIP: When Your Injuries Exceed Coverage

If your medical bills exceed PIP’s $10,000 limit, you can pursue:

Filing Against the At-Fault Driver

Claims may include:

• Additional medical expenses
• Pain and suffering
• Permanent disability or disfigurement
• Lost earning capacity

Serious Injury Threshold

To recover non-economic damages in Florida, your injury must meet the “serious injury threshold,” such as:

• Significant and permanent loss of a bodily function
• Permanent injury, scarring, or disfigurement
• Death

Types of Cases We Handle

• Catastrophic injuries: spinal cord damage, traumatic brain injury, severe burns
• Permanent disabilities preventing return to work
• Wrongful death claims exceeding PIP’s $5,000 death benefit

Why Florida PIP Cases Require Experienced Attorneys

PIP disputes involve specialized knowledge:

• Insurance Bad Faith: We hold insurers accountable for delayed or denied payments, including statutory interest and attorney’s fees.
• Medical Documentation Expertise: We ensure all records link injuries to your accident and justify treatment.
• Florida No-Fault Law Knowledge: We stay current on PIP legislation, coverage rules, and case law.

The True Cost of DIY PIP Claims

Without an attorney, you risk:

• Insurance adjusters using your statements against you
• Missing critical filing deadlines
• Accepting lowball settlements that don’t cover future medical needs
• Overlooking additional compensation beyond PIP

Insurance companies have attorneys protecting their interests. Shouldn’t you?

What Makes Kemp Law Group Different

• We take PIP cases other firms won’t touch – every coverage level matters
• No recovery, no fee – pay nothing unless we win your case
• Local Florida expertise – offices and experience throughout the state
• Aggressive representation – prepared to go to trial if needed

Common PIP Questions

Can the insurance company force me to see their doctor?

Yes, but these “Independent Medical Examiners” often minimize injuries. We can challenge biased findings.

What if I was partially at fault?

PIP covers you regardless of fault. Your percentage of fault matters only if pursuing damages beyond PIP.

How long do I have to file a PIP lawsuit?

Generally, five years from denial or underpayment, but act fast—evidence and witnesses can disappear.

Will using my PIP insurance raise my rates?

PIP is first-party coverage you already pay for. Using it usually doesn’t increase your premiums.

Get Help with Your Florida PIP Claim Today

If your insurance company is denying or underpaying your PIP benefits:

Call Kemp Law Group at (727) 788-6792

• Free case evaluation
• No fees unless we win
• Offices throughout Florida