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12 Tips for a PIP Recorded Statement

Florida requires drivers to carry no-fault insurance. It is often called PIP (short for Personal Injury Protection) and covers drivers, passengers and pedestrians regardless of who was at fault in the accident. The policy will require a recorded statement to be taken from an injured party.

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The PIP law has recently changed so that you may be only eligible for $2500 in coverage if you don’t seek “emergency medical treatment” within 14 days after the date of your accident. It is important that the medical care providers state in your records that the treatment was necessary due to an Emergency Medical Condition. The new PIP law says only an MD, DO, PA, ARNP, or Dentist can diagnose an EMC. Beware: I have seen some insurance companies having their doctors review the insured’s records after the treaters documented the EMC and cut off PIP, claiming that their review determined no EMC.

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