When you are in a car accident in Florida, you must file a claim with your own insurance company under your mandatory Personal Injury Protection (PIP) policy that is required by Florida law. Since you pay premiums, you may assume that your PIP provider will automatically be on your side and will promptly cover your medical expenses and other losses. However, this is not always the case, as too many injured accident victims find themselves with inadequate assistance from their insurer due to a completely or partially denied claim.
One common reason for PIP claim denials is that the insurance company has gotten the wrong impression from you. If your insurer believes that you are being greedy and are not actually as injured as you claim, they will not react in a positive way. The following are some ways that you may unintentionally send the wrong message to your PIP insurance provider.
You waited to go to the doctor.
In order to make an injury claim stemming from an accident, you generally must visit a medical professional and begin treatment within 14 days of the accident. In most cases, it is best if you visit the emergency department or your primary physician as soon as possible. It also sends the message to the insurance company that your injuries were serious enough to need immediate attention. If you wait before seeking help, it can seem like your injuries were not all that severe. The same is true if you seek help but then fail to follow through with your treatment plan or fail to heed the doctor’s orders.
In addition, waiting to go to the doctor can make it more difficult to connect your injuries to the car accident. The insurer may try to claim that a subsequent event occurred that caused your injuries after the accident. For example, if a week goes by after the accident and then you finally show up at a doctor’s office with bruises, the insurance carrier may be able to question where the bruises came from.
You over exaggerate your losses.
When you seek compensation for your losses from your PIP insurance, you will have to prove the extent of your losses. If you inflate your losses, the insurance company will likely find out and will get the message that you are after money instead of truly injured and in need of financial help. For this reason, you should only seek payment for the losses you have actually incurred and for future losses (estimated at a reasonable rate) that can be proven through one or more of the following:
- Medical bills
- Pay statements showing lost income
- Expert opinions regarding future losses
Contact a Clearwater PIP Insurance Attorney for Assistance
At the Sibley Dolman Gipe Accident Injury Lawyers, PA, we know how easy it is to say the wrong thing to your claim adjuster – even if you do not realize you did so. Insurance companies can be fickle and can misinterpret your words and actions in an attempt to limit your claim. For this reason, it is always wise to have the help and advice of an experienced personal injury attorney who understands how the PIP system in Florida works. If you have been in an accident and need to make an insurance claim, please do not wait to call our office for help at 727-222-6922.