Random Legal

Question 1

(Rdm Legal) PIP

Answer 1

“Personal Injury Protection”- An Add-on to automobile insurance policiesthat covers personal injury, medical expenses, lost wages, and other consequential damages. In most cases, PIP coverage indemnifies those who are injured as part of an automobile claim regardless of who caused the claim or who was at fault.

Question 2

(Rdm Legal)

(PIP) Time Limit for Injured to Receive Treatment

Answer 2

In Florida, an injured party must make a claim and receive initial services by a treating physician no later than 14 days after an accident. Failing to seek medical intervention within that time period serves to bar an injured party from subsequent care under policy.

Question 3

(Rdm Legal)

PIP) Mandatory Fee Schedules for Providers.

Answer 3

Among the 17 states that have a mandatory PIP insurance coverage, 7 (Florida included) have published medical fee schedules that dictate or limit the amount that medical providers may charge for emergency and outpatient medical procedures, pursuant to a PIP auto claim.In Florida, the PIP fee for service schedules are pegged to amounts that have been determined as reasonable under Medicare Part A and Part B, mandating that insurance companies pay certain amounts, upon claim, with an well defined ceiling. -However, the type of fee schedule does not prevent billing abuses through overbilling and unnecessary procedures. Since insurance companies are require to pay all medical bills submitted through PIP coverage so long as they are “reasonable” and adhere to payment schedules, these programs are ripe for abuse.(Fla. Stat. 627.736 Required personal injury protection benefits; exclusions; priority; claims.)