Questions & answers · Car insurance
My Florida PIP insurer is slow or denied part of my medical bills. What does the law say?
Car insuranceSlow or stuckFloridaChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Florida Statutes View original ↗
In short
- Florida PIP pays up to $10,000 for medical and disability.
- See a doctor within 14 days of the accident.
- A bill is late if it is not paid 30 days after written notice.
What this means
Florida's PIP law pays 80% of reasonable costs for medically necessary care. Your first care must come within 14 days of the accident [1]. The limits are $10,000 for medical and disability and $5,000 for death [1]. A bill is overdue if it is not paid 30 days after the insurer is given written notice of the covered loss and of the amount [1].
If the insurer pays only part of a claim or rejects it, it must give you an itemized list of each item it cut or refused [1]. It must also name the person to answer and give a claim number [1].
Your next step
Send your bills with a written notice, keep the date, and ask for the itemized list if you get a partial payment. The deadline these sources give is 14 days after the accident for first care [1].
Check it yourself
read Florida Statute 627.736 on the Florida Legislature's site, and your own policy. The statute has more conditions than this card covers.
Where this comes from (1)
[1] Florida Statutes · checked 2026-11-06
to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury, sickness, disease, or death arising out of the ownership, maintenance, or use of a motor vehicle as follows: (a) Medical benefits … Eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services, including prosthetic devices and medically …
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.
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Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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