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What Is Personal Injury Protection?
Every Florida vehicle owner must, at minimum, purchase coverage for property damage and for personal injury protection. Medical care for people suffering injuries in car accidents is covered, up to $10,000.
Medical providers treat the injuries, submit their bills to insurance carriers, and receive payments, denials, or underpayments. Underpaid claims are common. Underpayments and denials by insurers can easily cost hospitals and health care professionals tens of thousands of dollars in unreimbursed services.
Moreover, given Independent Medical Examination (IME) cut-offs, the insurance carrier decides when the patient's treatment is over. The patient may still need months or even years of treatment and therapy after that point. In effect, health care providers are advancing costs for long-term treatments, and going without proper reimbursement.
We’re here to tell you that these exasperating revenue drains can be sealed shut. PIP Recoveries has perfected a processing system that gets continual results. Medical providers’ operational efficiency gets tuned up, and health care practices can deliver better service on account of the increased income.
Here are two key point to keep in mind when asking if it’s worth recovering payments for treatment under Florida statute 627.428:
- Recovering unpaid medical bills with PIP Recoveries is an especially smart move. Florida's no-fault insurance statute directs higher reimbursements to health care professionals than do third-party insurance carriers or Medicare.
- Under Florida's statutory system, the insurance carrier pays legal costs and fees. Not the hospitals, doctors, or other treatment specialists. Health care providers recover their unpaid bills with interest, while PIP Recoveries attorneys’ fees and costs are fully paid by the insurance carrier.
This means medical professionals can save personnel hours and turn unpaid bills into an active revenue stream as the result of our work — without paying us to do it.
Why Partner With Ged Lawyers?
Our PIP claim processing experience dates from 1995 to the present. Through many years of diligent and innovative work, and through constant testing and attending to client feedback, PIP Revenue has fine-tuned an elegant claims processing method with an excellent ratio of full payouts.
Our proprietary software keeps medical experts and administrators aware of the progress on their claim recoveries. With PIP Recoveries’ intuitive client portal, our medical partners can:
- Log in 24 hours a day, seven days a week, and view the status of claims from any location, at any time.
- See the timeline of the claim, identify the patient and the insurance carrier, and view the updated status of the claim.
- Pinpoint where the attorneys are in their workflow.
- Check the funds collected from the insurance carriers.
Our attorneys are able to handle the claims remotely, never having to physically go to medical administrators’ offices. While we can deploy HIPAA-compliant mobile scanners to the medical offices, our clients generally request remote audits. We offer a 100% digital system in a time when remote services for medical businesses are most urgent. And our best-in-class technology includes secure VPN transmittals.
PIP Recoveries is a fully HIPAA-compliant law firm. Some law firms believe they are HIPAA-compliant, yet their security protocols might not be. This is especially common with legal groups that are not focused completely on medical cases, or groups that use subcontractors or have data backups off-site. Some lack current Business Associate agreements, or the most basic requirements for compliance:
- Email encryption, two-factor authentication, and personal health information (PHI) access guards on all devices connected to the system.
- Physical and electronic intrusion detection systems.
- Recordkeeping that keeps track of the destruction of all sensitive electronic data and patient paperwork after use.
PIP Recoveries connects to providers’ data systems securely, protecting sensitive health data while identifying and processing viable claims. We train our experts in data protection law and best practices — as well as effective claim submission and litigation.
How Our Service Works
When a Florida vehicle accident results in injuries, the insurance carrier, regardless of who's at fault, must repay an amount up to $10,000 in personal injury protection benefits.
If the carrier falls short, a medical treatment provider may submit a PIP claim to recover the costs it has incurred. Unresolved claims can pile up. In these times, forcing medical treatment providers to chase down payments from insurers is unconscionable; yet this situation prevails. Often, medical providers seek the help of our legal team after their hard drives and file cabinets fill up with personal injury treatment claims.
Medical providers connect with Ged Lawyers through a phone call, an email query, or even the live chat function on our website. After a HIPAA-compliant Business Associate agreement is signed, our lawyers begin the work of clearing the client’s reimbursement bottlenecks. We quickly locate and index actionable claims. We also review the medical administrator’s intake forms, to ensure admissions staff have effective intake protocols that comply with the pertinent federal, state, and local rules.
But it all starts with a five-year retroactive PIP audit. We request three pieces of information to help us examine each case:
- The Assignment of Benefits (AOB);
- The Explanation of Benefits (EOB); and
- The name of the car insurance carrier.
The reason for the five-year lookback is to catch breach of contract claims that are still viable within the five-year statute of limitations in Florida. Our proprietary software, Inspire®, locates those actionable, overdue payments through information in the patient EOBs and in billing ledgers.
Our system converts related paperwork into digital form. To discern whether a PIP claim has been currently resolved, the software cross-checks the state PIP statute and scours the relevant holdings from the Florida courts.
In each questionable case of nonpayment or underpayment, we prepare and send a demand letter to the insurance carrier. We then allow the legally prescribed 30 days for reply and resolution. Within this window, the carrier must pay valid debts for treatment, up to the $10,000 statutory cap.
When a carrier responds by sending a payment, our attorneys determine whether it is a sufficient and legally appropriate reimbursement to the treatment provider. At this stage in the process, in 85 to 90 percent of the claims, a PIP Recoveries attorney determines that the outstanding bill has been properly resolved.
We can then close the file, send reimbursement to the medical practice, and delete the data from our system. When outstanding claims are still not properly paid, our attorneys file legal actions. For both demand letters and litigated cases, our collection rates are excellent.
In the cases we litigate, we expect the court to order prompt payment plus penalties and interest on behalf of the health care providers. We do not charge health care practices for litigation. Legal representatives of medical providers, by law, receive all fees and costs from the insurance companies.
Upon request, we will train medical administrative staff on obtaining the right documentation to protect claims going forward. This enables the practice to manage the bills effectively. PIP Recoveries can, alternatively, provide the additional service of optimizing reimbursement to the medical office by monitoring the billing at every stage.
Our Success Stories
In a typical medical practice, administrative staffers might remit claims to the health insurance carriers, then to the vehicle insurers, and eventually into collections.
The collections agency takes a cut from any reimbursement achieved. This is so time-intensive and cost-inefficient that some practices understandably find themselves building backlogs of unpaid bills.
We are glad to say we’ve relieved this pain point for numerous health care experts. Overall, our medical partners have recouped millions of dollars in unpaid PIP claims, without risking their own funds. In fact, these practices were able to abandon inefficient payment-seeking methods, dramatically increase revenue flow, and ultimately expand their services.
Here are just a few of the health care specialists we have supported, and their outcomes (names are generic to protect client privacy):
In these situations and others, health care professionals have regained funds they would have otherwise lost by deploying our recovery system to address recalcitrant insurance carriers.
This is the way our lawyers see it:
You’re here when people need you, so the legal team at PIP Recoveries is here for you. We all do well by doing good — holding companies accountable under the law.
PIP Recoveries: An Arm of Ged Lawyers
The legal team at Ged Lawyers, brings 25 years of recovery experience to our clientele. Leading the team are attorneys C. Glen Ged and Maurius J. (Marty) Ged.
Our team works through our Boca Raton headquarters and branches throughout the state. We are proficient in Florida PIP Claims, and have recovered tens of millions of dollars in revenue for Florida health care providers.
Need more information about our offerings and outcomes? Visit and explore the PIP Recoveries website.
Ready to get started partnering with our firm? Contact PIP Recoveries for an initial consultation. Our legal team will be pleased to get to know you and the needs of your practice.
If you prefer getting in touch by phone, we welcome your call at (561) 867-4765, or toll-free at 844 - 4GEDLAW.
