Personal injury protection, or PIP, is an auto insurance benefit governed by Florida law and policy requirements. Understanding possible benefits can help you ask better questions about injury care and billing.
Benefits have conditions and limits
PIP is not a promise that every service will be paid. Eligibility, applicable benefit limits, deductibles, medical necessity, and available benefits affect payment. An emergency medical condition assessment must reflect the patient’s clinical circumstances; it is not a service that automatically opens a guaranteed amount of coverage.
Initial care and follow-up
Florida’s PIP medical-benefit rules require qualifying initial services and care within 14 days after the collision. A phone call or report to an insurer should not be treated as a substitute for that care. Ask the insurer to explain your policy and any claim requirements.
How FIC helps
FIC provides physician-led evaluation, follow-up, and care coordination. The physician considers the need for imaging, medication, or specialists individually. Discuss billing arrangements before planned services and seek qualified legal advice for coverage disputes.
Request scheduling information or call 866-402-4250. Browse confirmed affiliate locations.
Source: Florida Statutes, section 627.736.