What is Personal Injury Protection Litigation?
Personal Injury Protection (PIP) Litigation, also known as Florida No-Fault Litigation, involves lawsuits filed by medical providers and individual patients in order to pursue payment of insurance and medical payment benefits from insurance companies pursuant to Florida’s No-Fault insurance laws and automobile insurance policies.
A PIP lawsuit is filed by Bloodworth Law, PLLC, for medical providers and individual patients against an insurance company that provides personal injury protection benefits when the insurance company denies or reduces those benefits.
No-fault insurance is the mandatory car insurance that Florida drivers are required to maintain when they purchase an automobile. Under Florida law, in order to operate a motor vehicle in the state, you must insure yourself for injuries that you may incur whether by your own fault or the fault of another.
With each attorney holding more than a decade of litigation insurance experience, Alyson M. Laderman and Michael J. LaPorte have served as plaintiffs’ attorneys suing insurance companies for the failure to properly pay no-fault PIP benefits. They have recovered millions of dollars for clients.
Most Bloodworth Law clients are medical providers who were not paid at all or for the correct amount of their bills submitted for the treatment of patients who were injured in an automobile accident.
When accidents occur and individuals are injured, PIP coverage allows for the injured person to receive necessary medical treatment. However, when the insurance company does not pay the medical bills that are incurred as a result of that automobile accident — again whether the accident was the patient’s fault or not — then we, the attorneys —intervene.
Sometimes it’s on the behalf of the patients, but more frequently it’s on behalf of the medical provider who was not paid. Regardless of the client, Bloodworth Law endeavors to obtain payment of those medical bills, as well as statutory interest and any other remedy available under Florida law.
Sometimes people don’t even know if they’re due any benefits under their insurance policy because they don’t know the terms of their insurance policy. Do you know what your insurance doesn’t cover? You should, and an attorney can review your policy.
Insurance is one of the few things that consumers buy sight unseen. Think about it — you rarely, if ever, receive a copy of the insurance policy language prior to your purchase of the policy. Consumers have no idea what they are getting or buying. Instead, insurance agents recommend what to buy and tell you what they believe might be covered by a particular policy or endorsement.
However, until you see the actual language of the policy and you have someone review it for you, you really don’t know what you are buying. Unfortunately, this does not usually happen until after an accident or a loss occurs.
It’s when you need insurance coverage that you first find out that you are not covered for an accident or loss. That mold that you thought was covered? Well, sometimes it’s not. It all depends upon the terms, conditions, endorsements, and language in your specific insurance policy.
“I have had to be the bearer of that bad news plenty of times when handling first-party property claims,” attorney Alyson M. Laderman said. “I heard clients say, ‘well, I thought that was covered. And now, there’s some mold in my house. But, I bought the mold coverage.’
“However, there’s sometimes an exclusion in the policy. People buy policies, being told that they are covered, only to discover later than the policy won’t cover them. It’s all in the words and their application.”
Insurance policies — even for attorneys — are complicated documents. Insurance policies are not straightforward. They don’t say what you think they say. They’re not clear for the normal person to read — even for lawyers. It takes a little bit of time to research what the courts think that those terms mean. How is anybody else supposed to know what that is especially if you have never seen it?
PIP cases are accepted by Bloodworth Law on a contingency fee basis. This means that if we prevail, the insurance carrier is responsible for our attorney’s fees and costs.
If we don’t prevail, you are not responsible for our attorney’s fees and costs.
Bloodworth Law works with medical businesses of all sizes. You may be a solo practitioner, a medical provider with multiple locations or a regional medical center. We can work with one location, multiple locations, a single file or many files.
You may have the best billing person in the world. However, if the law changes, or if insurance carriers begin to process medical bills in a different way, your billing person will not know. Only an attorney who is fully engaged in the practice of PIP law is aware of PIP law changes and current insurance carrier practices and bill handling procedures.
If case law changes and insurance companies were paying you incorrectly in a certain manner for a particular issue, the only one who can tell you this is a lawyer who routinely practices PIP law.
PIP cases can last from 60 days to many years, depending upon the legal issues.
PIP cases can pile up for medical providers and after several years, some just give up despite holding onto hundreds or even thousands of cases.
Some cases may be recoverable. You may want to find out what can be done by the Bloodworth Law team.
Recent Clients Recoveries
- $510,000 in a business dispute
- $250,000 in a trust dispute
- $417,000 in a business dispute
- $385,000 in a trust dispute
- $750,000 in a trust dispute
- $723,000 in a business dispute
- $435,000 in a probate litigation