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What is the New Florida PIP Law?

New Florida PIP Law: A Victory for The Car Insurance Companies

Florida’s new Personal Injury Protection (PIP) law HB 119, passed by a slim margin in the Senate on March 10, 2012. The new PIP law is hailed as a victory for insurance companies due to several provisions placing limits on the amount of PIP benefits, litigation and monies paid out during claims.

These personal injury law suits are blamed Florida governor Rick Scott and auto insurance companies believe that personal injury protection lawsuits are the cause of increased insurance rates. Florida is a no-fault state and requires all drivers to carry the basic PIP insurance with limits of $10,000.00 in coverage but lacks outlined parameters on types of medical treatments covered or attorney’s fees limits. This system is, according to insurers, full of loopholes and flaws and was in need of reform. The old system allowed for “excessive medical treatment” and “opportunities for unwarranted litigation”.

What does the new PIP law provide for car accident victims?

The new bill provides strict and rather biased definitions of what constitutes medical treatments and covered injuries. Accident victims now must seek medical treatment within a narrow 14 day (two week) window from the accident and only from specified licensed medical physicians. Acceptable treatment providers include emergency services determined by a physician, osteopath, dentist, physician’s assistant or registered nurse practitioner. Chiropractor visits are limited to $2,500 and can only be sought after a referral from an acceptable health care provider.

The new law excludes massage therapists and acupuncturists, which were previously covered under the old PIP law. The stringent nature of the new Florida PIP law greatly cuts the funds available for those injured in auto accidents and is worrisome to many consumer protection groups. Also, the law greatly limits the types of treatment covered under PIP. Those who seek a more holistic, less intrusive type of treatment are left out by the new law, a disconcerting reality to many. Florida Auto accident victims will be forced to rely on their health insurance rather than the $10,000 of medical benefits they were previously entitled to receive.

The new bill contains provisions for the reduction of consumer rates, which seems like a victory for consumers. The bill entails a plan for insurers to roll back rates 10% by October 1, 2013 and 25% by January 1, 2014 or to provide a “detailed explanation” as to why the rates were not reduced. However, the proposed rate reduction does not seem to equal out in policy premiums, a questionable fact which has left many consumer advocates puzzled. Furthermore, PIP accounts for a relatively small percentage of a total premium, which makes the 25% reduction rather insignificant.


Wednesday, October 17, 2012

You do not need to see a M.D. first. You can go right to a Doctor of Chiropractic.

Friday, December 28, 2012

I am a Physical Therapist that has a few PIP cases now, can we continue to see them and get paid?


Wednesday, January 2, 2013
Attorney Greg Dell:


The law is so new that is difficult to know how the insurance company is going to handle patients that had claims before the law change date. In our opinion you should be able to continue billing under the old pip law, but you should call the specific PIP Provider and ask their opinion.

Friday, January 4, 2013
Jose A. Justiniano Sr.:

Thank you very much for this good information. Keep up the good work.

Monday, January 7, 2013
Linda Holcomb:

Saw local agent at State Farm who said reductions would not occur until your billing date – she knew little about the expected reductions – but everyone would know that same agency is advertising reductions – which I suppose I am not entitled to? In any case, my car insurance is higher than my house insurance, even a newer car proposal elicited an INCREASE in my premiums!

Monday, January 7, 2013
Robert Peters, D.C.:

I find it mind boggling that by definition: Acceptable medical treatment providers are a MD’s, osteopaths, dentist, physician’s assistant or registered nurse practitioner. How is it that dentists who’s scope is ONLY the oral cavity, are more qualified than a Chiropractor that specialises in Musculoskeletal issues and is a Licensed Physician in the State of Florida?

Tuesday, January 22, 2013
Dr. Smith:

Thank God it’s the start to the end of the scam run by local attorneys and chiropractors. An attorney can no longer refer a client to his/her chiropractor that’s in his pocket to provide a bogus report that the client has a back injury. Everyone has degeneration in their spine – it’s called ageing.

The beauty for the attorneys running the scam is it’s usually not worth the insurance companies’ time to fight it so they just pay the $10,000 and pass that onto the policy holders.

Thursday, January 24, 2013
Jack PT:

What this new law does is to eliminate the DC from sucking the system dry. The DC will see the patient until all the insurance benefits run out and then discharge the patient. Unlike physical therapy or medical doctors whose goals are to treat the patient by healing them not sucking their insurance dry and then tell them there is nothing else that can be done and then send them back to the attorney that orginally referred them to the DC. Bless this new law.

Saturday, April 6, 2013

I’ve been paying over 14 years on my vehicle to the same insurance company. Now my Rates increased this past month on the new Renewal policy, and I was recently hurt inside my vehicle, and having to rely on these new PIP rules that are nothing but an excuse for the insurance company’s to still collect more in Premiums, and pay out even less.

(The bill entails a plan for insurers to roll back rates 10% by October 1, 2013 and 25% by January 1, 2014 or to provide a “detailed explanation” as to why the rates were not reduced.)

The above is nothing but a JOKE, we already know the insurance industry will provide a detailed explanation and the Premiums will still rise,

Just another example of our Politicians that’re abusing their authority after being elected. The recent arcade law that’s about to be Signed and passed to shut down these arcades that millions in Florida have enjoyed playing.

A person that pays PIP for years, and when it’s time to depend on the benefits, The benifits are reduced, yet the Premiums keep rising and when mine recently rose after my participation in the snapshot program reduced my insurance premiums, my policy renewal unexplainely increased.

Thursday, April 18, 2013

This law is so ridiculous… I do agree there should be a time limit to receive treatment but not paying for massage is outrageous! I am a massage therapist and this law has made a lot of LMTs lose their job. And the most important part of helping a person heal is with massage. Instead, people are paying all this money for PIP and receiving very little. In return the insurance companies are robbing everyone!

Thursday, June 13, 2013

Any idea how much money is left on the table uncollected by the providers per year?

Friday, June 14, 2013
Attorney Greg Dell:

Arlene, I do not have any data regarding this question.

Tuesday, July 23, 2013

Our patients’ claims are now being denied by health insurances because PIP being limited to $2,500, while the health insurance believes the limit should have been $10,000 based on the bills they are receiving. It is becoming difficult to provide quality care to our patients with auto unable to inform you ahead of the treatment what policy benefits will be and health insurances not agreeing.

Wednesday, July 24, 2013
Attorney Greg Dell:


This is a big problem and one that you need to litigate if claims are not being paid. Also there are other methods of payment such as letters of protection, which could allow your patients to continue to receive treatment while the billing disputes are dealt with.

Saturday, August 10, 2013
Greg Park:

I really like this new law, because lots of people were making easy money using insurance for that, and increasing the prices to everyone, Florida people need to stop doing fraud to be able to have better rates and more benefits, people there really abuse of the resource during years.

Tuesday, October 8, 2013

I am finding it very hard to find a dentist that will take my PIP and bill the insurance company, they all want to be paid by me and I go after my insurance for my money back. This is after having an accident. If you know of any dentist in St. Lucie County or Palm Beach County please write back.

Thursday, October 10, 2013
Gregory Dell:


A dentist is required to bill your PIP if you had an auto accident. You can also pay for the treatment and submit the bill to your auto insurance company.

Sunday, October 27, 2013

When PIP benefits are exhausted are we legally obligated to continue to see the patient. We are a small privately owned physical therapy clinic and have a few L.O.P’s which went into effect after benefits were exhausted. We have some L.O.P.’s that are 2 to 3 years old so we are not taking anymore L.O.P’s because waiting for (reduced) payments does not pay our bills now. If the law says that there is only $2,500 for P.T. that is only about 10-15 visits. Some patients require much more depending on the diagnosis. Our concern is if we start to treat a patient with PIP benefits and they are exhausted before therapy is complete and we do not take their personal medical insurance what is our legal obligation to the patient, if any.

Monday, October 28, 2013
Gregory Dell:


You are required to provide appropriate medical treatment, however you are not obligated to work for free. If insurance benefits are exhausted then you can stop treating. In many cases, you should be able to get paid on an LOP if you are working with legitimate law firms.

Sunday, November 10, 2013

My daughter was critically injured in a motorcycle accident. She was a passenger and a lady hit them from behind, cited with careless driving.I am inquiring about my PIP coverage. I have wage loss (as her mother) I stayed with her in the hospital for 11 days till she was discharged and am caring for her at home. My employer terminated me (they are excluded from FMLA) while I was caring for her. Does PIP not cover my loss of wages? My daughter is a minor. Thank you!

Tuesday, November 12, 2013
Gregory Dell:


If you were not involved in the accident, then the PIP will not cover you as a result of your daughter’s accident. Your daughter may have specific rights to coverage which will depend on what insurance both she and you may have. Please contact us privately to discuss your daughter’s motorcycle accident.

Saturday, November 30, 2013
Hal Maynard:

My insurance company has told me that the 2 week requirement does not apply to 3rd party injuries. Are they correct?

Sunday, December 1, 2013
Gregory Dell:


We need more information in order to answer your question. Please contact us privately.

Monday, December 16, 2013

Is a pedestrian covered under the PIP law?

Monday, December 16, 2013


It depends if the pedestrian owns a car. If a pedestrian owns a car and get struck by a car, then the pedestrian’s PIP would apply.

Monday, February 17, 2014

So the state can mandate what Medicare pays in the event of an auto accident.
If the injured person is covered by Medicare?

Tuesday, February 18, 2014
Gregory Dell:


There are set fee schedules for all medical treatment and procedures.

Wednesday, March 19, 2014

I’m a permanently disabled veteran on benefits in Florida. I go to the VA for all my medical care, no matter what (better to have all your medical records in one spot). I also have Medicare because of my service-connected injury.

My PIP premium is more than my comp & collision on my cheap little car. I should be able to waive PIP if I have adequate medical coverage. Especially now, with Obamacare being required, this is redundant, and just another way for insurance companies to get free money.

My car isn’t new, I’m on a fixed income, and my car insurance, because of the required yet totally unnecessary for me PIP – is more than my car payment!

I’m at the point where I’m just about ready to sell my car, and walk everywhere. And I live out in the rural part of the state!

I think PIP as a requirement needs to be abolished – at least if you can prove sufficient medical coverage upon renewal of the policy.

Thursday, March 20, 2014
Jason Macri:


PIP is required by Florida Law. There is a strong lobby to abolish PIP, and we are not opposed to such an action as long as there is a minimum $25,000 of bodily injury coverage required for all vehicle owners.

Monday, March 24, 2014
Jeff Angel:

PIP should be abolished. The chiropractors abused it more than any profession. PIP had a good intent, but those that lack morality hijacked the system. Florida is one of the few places in the world that have billboards on every street corner begging people to call a lawyer referral service. The soft tissue injuries they claim to treat will resolve themselves in a few weeks without intervention. These scumbags are now trying to affiliate with other medical professionals to get another bite of the $10,000 apple.

Thursday, April 10, 2014

We are a dental office who provided care in restoring a patient’s front teeth after a car accident. When we first called Geico, they told us the benefits covered up to $10,000. Now, after doing $6,500.00 of work for the patient, Geico paid us a $2,567.00 donation and called our office to tell us that we were not allowed to bill the patient for the remainder of the bill that was incurred. What is our responsibility as the providers to the patient and do we have a recourse in collecting our unpaid amount? Can the patient consult an attorney to make them cover more on her claim?

At the moment, her case is not completed and the doctor is considering finishing the case as inexpensively as possible to not incur more of a loss than we already have with this case. We are a private office that doesn’t even accept Medicaid/Medicare. We just weren’t aware of a new PIP law, which will now result in our office not accepting accident victims in the future.

Friday, April 11, 2014
Jason Macri:


You have a few options. First, there may be a potential PIP lawsuit which the claimant or your office can bring against the carrier for failure to pay the bill. It is possible that the claimant exhausted the $10,000 of pip that the patient had. You can still recover the remaining portion of your bill from any third party recovery that the patient may have against the person that caused the accident. If the patient was not at fault in the accident, then he or she can bring a claim for medical bills as well as pain and suffering against the person that caused the accident. If your patient has a lawyer, then you should send a copy of your bill to the patient’s attorney and contact the patient’s attorney to discuss your bill. You can also ask the attorney’s office for the patient to sign a letter of protection.

Monday, April 14, 2014

How is the 14 day (2 weeks) defined in the new PIP change as of Jan. 1, 2013? I believe the law states treatment within 14 days after the MV accident. So if an accident occurs in the evening of the 3rd of the month is the 16th or the 17th day of the month within the 14 days after the accident, when does the clock start – 24 hours after the accident occurs?

Thank you.

Tuesday, April 15, 2014
Jason Macri:


Great question. It seams reasonable that treatment would have to be completed on or before the completion of the 17th as you have described above.

Saturday, May 10, 2014
Cynthia Johnson:

After a rear-end collision by another car I had X-Rays taken and was treated at a chiropractic clinic. They show damage to neck and jaw. Is this considered a diagnosis as described by PIP or should I go to the ER? Date of accident 4-28-14 in FL. Still in pain.

Sunday, May 11, 2014
Jason Macri:


Thanks for contacting us regarding your accident. Sorry to hear about what happened to you. The date that you first went to the chiropractor and the results of your x-rays are two important factors to your claim. Please contact us privately so that we can let you know how we can help you.

Monday, May 12, 2014

I was recently hit by a truck while riding my bike from work; the guy only had PIP. I sustained a broken foot, a broken rib and contusions. I contacted an attorney, they took my case, but when they found out the guy only had PIP, they dropped me. What can I do? I’ve lost 3 weeks of work.


Tuesday, May 13, 2014
Jason Macri:

Brian, thank you for contacting us. Sorry to hear about what happened to you. Please contact us privately so that we can let you know if there is anything we can do to help you.

Saturday, June 7, 2014

What happens in the case where problems don’t show up immediately? I had an accident a couple of years ago and I was fine, but a couple of months later I had a consistent pain in my right leg. If I had an accident and went to the doctor within two weeks, I was fine, two months later I have an issue I really think was caused by the accident, with the new law am I not able to use my PIP benefits?

Sunday, June 8, 2014
Jason Macri:


Under the new law if you don’t get treatment in two weeks then your PIP MAY NOT pay coverage. Some insurance companies are enforcing the two week rule and others are not.

Sunday, July 13, 2014
Dr. Jeff:

Another insurance gambit by insurers having their politicos in their hip pocket. And once again, the paying public is the one who suffers. FL residents are now forced into the ghastly more expensive route or allopathic medicine for physical injuries which, as frank and honest MDs admit, have little training in treating or even diagnosing.

How long will it take in an E.R at say, $1000-2000 per HOUR to exhaust your PIP policy (I paid $2000/hour in Port Richey ER a few years back)?

And expert spinal treatment is not even available in the allothpathic (‘medical’) facilities, save for the few that have chiropractors on staff (incredible but google it).

Sure, lifetime sentences for these DCs bilking the system-we DCs police our own FAR better than the good ol boy medical system. We round up the wagons and shoot inward.

And why would you want to pay more and get less? DC care is less than 1%, yes, one percent, of the entire medical bill of the US. It’s safer by an number approaching infinty vs overall medical care, too.

I predict this biased and unconstitutional ‘reform’ will be reformed soon. And chime in, all those that have had their auto PIP premiums reduced lately.

Tuesday, July 15, 2014

My insurance premium has yet to be reduced. Geico increased it and said it was because “insurance fraud is so high in Florida”. What a ridiculous excuse to hear after all this talk from Scott about our insurance premiums being lowered. Typical case of politicians getting bought out by lobbysts.

I am not taking either side. My chiro took 6 months to send me for an MRI – he made sure the PIP was exhausted by him before anybody else’s bills got paid. I think PIP should be abolished.

Thursday, July 31, 2014

Hello, I was in a auto accident in July 2013 and my lawyer offered me a settlement this June 2014 but also mentioned that with my settlement they hold 4000 in a trust fund until PIP suit is filed to cover my medical bills with my chiropractor. Is this something that normally happens within a settlement agreement? He’s telling me 2-3 months for the process of the PIP suit. Also is it OK for me to contact my insurance agent to follow up on the PIP suit since my lawyer not really given me details besides the time frame? Thanks.

Friday, August 1, 2014
Jason Macri:


We have not heard of a situation where $4,000 is held for a pip suit. It is not unusual to hold funds that are due to pay medical providers.

Sunday, August 17, 2014
Sarah Cortes:

Can a chiropractor sue a patient for benefits being exhausted? I had an accident 4 years ago and I just received a letter from an attorney demanding payment. I never received any letter letting me know that the benefits were exhausted and the chiropractor kept treating me without informing me. Is this legal?

Monday, August 18, 2014
Jason Macri:


A chiropractor can sue you for any bills that you have not paid them. It is unusual, but possible in some situations.

Thursday, January 8, 2015

I work for n doctor who has accepted letters of protection for patients involved in MVAs when their PIP benefits have been exhausted. And just a side note here: with this new law, their benefits have been used up before they ever come to us.

My question is this: When we do agree to work with a LOP, are we legally bound/required to accept whatever figure is offered as settlement in full, or can the patient be balance billed?

I ask because the last 3 LOP cases that have settled had the doctor having to agree to drastically reduce his bill to get any payment. I mean he got only 30% of his fees and the bill wasn’t that much to begin with! So, we recently had another settlement offer, he countered with a figure that was only $300 more (which would have been a 50% reduction in his fees); that attorney said they could not work with it, then proceeded to settle the case and paid the patient, who then stiffed the doctor on his bill!

I agree that everyone who has been injured in an MVA deserves to get quality care, but at this rate, I seriously doubt my doctor is making anything on these LOP cases; he still has to pay all his bills and overhead.

Thank you in advance for your time and response.

Friday, January 9, 2015
Dr. A. DC:

It is amazing the concept MDs and PTs have about chiropractors. I am a chiropractor in California and see, among others, personal injury patients. Frequently, these patients are seen by MDs prior to coming to my office. So the customary history question: “what did the medical doctor do for you?” Ninety nine percent of the time I hear, “nothing!” A medical doctor no longer performs an examination, not even prior to prescribing Tramadol or any other type of pain killer or muscle relaxant. My examination/consultation takes approximately 30 to 40 minutes face to face on a simple case. So do not generalize! It is a matter of ethics and professionalism!

Friday, January 9, 2015
Jason Macri:


In Florida, attorneys are required to satisfy a doctor’s lien when there is a signed LOP. Sure they can negotiate with the doctor, but an attorney certainly cannot release all funds in dispute without resolving the medical lien with the doctor first. This would be contrary to the Florida Bar Rules.

Saturday, January 10, 2015
Jason Macri:

Dr. A,

Thanks for writing. Many of our clients prefer to receive chiropractic treatments because they report positive results. Certainly the appropriate treatment will vary on a case by case basis.

Tuesday, January 27, 2015

I need some clarification on having 2 separate accidents with in a short period of time. I thought that once you have the second accident the first pip claim becomes null and void, and you can not bill both claims. Is this correct?

Wednesday, January 28, 2015
Jason Macri:


It is possible to have two pip claims open at the same time. Please let us know if you need any help with your auto accident claims.

Saturday, April 4, 2015

I was in line at drive-through. Hit from behind – felt like a bomb went off in my head. The back of my head hurt upon impact. I went to the hospital that night. After charging my PIP $8,000 for MRIs and one I didn’t know was being done. All was negative. I have awful hissing in my ears, pain from back of head to top, dizzy sleeping is a problem. I am not a kid so this has been a real bother. I was afraid to do nothing so I have pursued medical care. I have medicare/wellcare. Still feel strongly about what took place that day, and have not felt the same. Really don’t know what to do now, the neuro wants me to have PT. Did a EE neg. I thought it was foolish, but to refuse is the kiss of death. The other driver’s insurance accepted 100% liability, but what now. I don’t run to Dr’s, broke my wrist last November, it’s fine now. That’s the reason for the Dr. I take no prescribed meds. And no health issues. So this has taken me off guard. Thank you for any help.

Sunday, April 5, 2015
Jason Macri:


Your injuries sound serious. Have you hired a lawyer? Did you notify the other person’s insurance company about the accident? Have they contacted you? When and where did this accident happen? As you can see, I have a lot of questions about this case. Please feel free to call me to discuss further.

Thursday, July 16, 2015

I was pasanger in a car accident, hit from behind. I filed a claim. I have some back problems. Am I intiteled to pain stuffing.

Tuesday, July 21, 2015
Jason Macri:

Hi Regina,

Where did this accident occur? When did it happen? Have you received medical treatment? If so, what type of doctors have you seen for your injuries? Please feel free to call us so that we can answer your questions regarding pain and suffering.

Monday, September 14, 2015

I was hit by a lady driving over two lanes of traffic to make a left turn,my pain did not start until the week or so after the accident and now I am in severe pain, and my insurance ( Liberty Mutual)company that I pay $ 11,000 a year in cost of insurance is telling me that I treated at the ER on day 15, of this silly 14 day policy, and the lady that hit me she is not contacting USAA back so they may also have a coverage issue and I am now left in pain and paying my health insurance deductible for treatment, I am really in a lot of pain. What can I do to both of these companies to get medical treatment.

Thank You

Wednesday, September 16, 2015
Jason Macri:

HI Kim,

We are sorry to hear about your experience. Where did this accident happen? Have you been diagnosed with any injuries? Did the person who caused the accident get a citation? You need a lawyer to make the claim against the USAA driver. Please call us at your earliest convenience so that we can let you know how we may be able to help?

Tuesday, September 29, 2015

Is the 14 day rule absolute? The problem I have is I couldn’t find a doctor who accepted auto claims to see me and before I knew it the 14 days had passed. I also signed a release from the insurance company in exchange for a settlement on the bodily injury portion of the at fault driver. So at this point I’m wondering if I’ve lost all rights regarding my claim. Thanks.

Friday, October 2, 2015
Jason Macri:

Hi Mary,

The 14 day rule is absolute but the rule does not prevent you from seeking medical treatment after 14 days. It simply would preclude PIP from paying for treatment if none was sought within 14 days. Your larger issue is the fact that you have signed a release. Signing a release will prevent you from being able to pursue a claim further.

Thursday, October 15, 2015

I keep hearing on the radio and from friends that the law has changed in FL to having to seek medical treatment within 72 hours of the accident. Is this true?

Monday, October 19, 2015
Attorney Jason Macri:

HI Craig,

There is currently no 72 hour rule regarding Florida’s pip laws and the period of time in which to seek treatment. Though there was some talk in the Florida legislature regarding changing the time period to 72 hours, the 14 day rule currently applies.

Thursday, February 11, 2016

My husband was in an accident about 2wks ago, no one was issued a ticket. Our insurance company is also the person who was in the crash, same company. We carry 10000 pip. And now the insurance company said that she is contacting a lawyer and we need to raise our pip. The police decided it was no ones fault and fl. is a no fault state, and states that she can’t sue. So now what do we do?

Friday, February 12, 2016
Attorney Jason Macri:

Chuck, was your husband injured in the auto accident? In what state is your husband’s vehicle registered? In what state did your husband purchase his auto insurance? Please feel free to call us so that we can let you know how we may be able to help.

Saturday, April 22, 2017

Yes I was recently involved in a car accident where in the palm tree I was the only one involved in a car accident and the damages were only -myself &my car was a total loss but my main concern is I just recently had to new first set of Dentures made, i$2000 worth of dentures and I don’t understand I spoke with the adjuster Re:this dilema very aburptly she just said no no no Geico won’t pay for any dentures !!!but I’m a really ill diabetic who requires the chewing a lot of foods to maintain a healthy lifestyle and to control my diabetes I don’t understand why she was short with me ?

I originally had thought the teeth were still in the vehicle as I assumed they were knocked out of my mouth upon airbag deployment after being able to finally getting able to get to the car where it was towed I found a small piece-part of a denture and the rest is still a mystery I can is a total loss because I haven’t been able to find any other pieces is there anyway or do you feel the Geico should help me with this ? Thank you I apologize so lengthy.

Wednesday, April 26, 2017
Attorney Jason Macri:

HI Kim,

How did the crash occur? When and where did it happen? Did you receive any medical treatment? If so, what type of treatment have you received? Please feel free to call us so we can let you know how we may be able to help.

Tuesday, June 6, 2017

A car hit me from behind in December 2015
While going to work a car ran red light and hit me from behind on March 2016.

I would like to know would my insurance pay the providers.
I learned later that the providers claims were denied.
Now the attorney made an agreement with the providers; however, I feel the providers should get their monies from the insurance carrier.
What can be done

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