What is Personal Injury Protection? Our Injury Lawyers in St. Petersburg, FL, Can Explain
The injury lawyers at Reeder & Nussbaum, P.A. in St. Petersburg are highly experienced at handling cases that require in-depth knowledge of Florida’s personal injury protection laws. Personal injury protection – or PIP, for short – is a type of insurance that all Florida-licensed motorists are required by law to carry. PIP insurance provides injured drivers with immediate medical bill assistance up to a certain dollar amount regardless of fault. The theory behind requiring Florida drivers to carry PIP insurance is that an injured motorist or passenger will be assured of receiving some degree of compensation without having to establish legal liability by filing a lawsuit. PIP coverage is often called “no fault” coverage because accident fault plays no role in the payment of compensation.
At Reeder & Nussbaum, P.A. in St. Petersburg, FL, our injury lawyers can help you if you believe that you are being short-changed with regard to your PIP insurance coverage. Despite having a legal obligation to compensate you in a manner consistent with your insurance policy, your car insurance company actually has several techniques at its disposal to reduce the amount of money that it pays you, or even deny you benefits outright. These include:
- Compulsory medical examination (CME) – This is a medical exam performed by a doctor hired by your insurance company. CMEs are generally superficial and conducted so as to give the insurance company justification for denying or discontinuing the payment of benefits.
- Peer review – At its discretion, your insurance company can elect to send your medical records to a doctor for an “independent” evaluation called a peer review. Your insurance company can deny or suspend benefits entirely on the basis of the doctor’s opinion.
- Examination under oath – Your insurer is legally entitled to require you to submit to an examination under oath as a precondition of receiving PIP benefits. An examination under oath is essentially a series of questions that you are required answer truthfully. It is imperative that you tell your injury lawyers if your insurance company requests that you sit for an examination under oath.
The injury lawyers on our team can evaluate your case in an effort to determine whether your insurance company is treating you in a fair and equitable manner. Please contact our law firm in St. Petersburg, Florida, if you’d like to speak to one of our injury lawyers about your legal issue.
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