Everyone who owns and operates a registered vehicle in Florida is required to have Personal Injury Protection (PIP) insurance. According to Florida Statute § 627.736, for a person to be eligible for PIP medical benefits, those injured in a motor vehicle accident must seek initial services and care from specified providers within fourteen (14) days after the motor vehicle accident. Medical benefits up to $10,000 are available for “emergency medical conditions” diagnosed by specified providers, and up to $2,500 for non-emergency medical conditions. In addition, the law specifically excludes licensed acupuncturists and massage therapists from being reimbursed for medical benefits. Chiropractors cannot make the determination that a patient has suffered an emergency medical condition but are authorized to provide treatment to PIP insureds.
The insurance companies hate to lose. We all know that. In PIP they complain about fraud and Plaintiff attorneys all the time without ever mentioning the enormous premiums collected. But one thing is certain – insurance companies are always looking at the bottom line.
Over the years, insurance companies followed one version or another of “delay, deny, defend”especially in PIP. It is simply the same pig but with different dresses. The routine defense in PIP was to win on the pleadings not with juries. However, many insurance companies began to believe that the judges who decided the cases on the pleadings were largely selected by the Plaintiff’s Bar. This belief was supported by selective background research and typical corporate thinking. As a result, a new strategy emerged.