Guides
Florida auto-injury claims, explained
Short, cited references to how Florida no-fault (PIP) car-accident claims actually work — the hard deadlines, the coverage limits, and the documents a demand package needs. Written for the people who build and review these claims.
Florida's 14-day PIP rule
Under Florida's no-fault law, PIP medical benefits are forfeited unless the injured person receives initial care within 14 days of the crash. What the rule requires and how it gates a claim.
Read →Florida PIPEMC and the $2,500 PIP cap
Without an Emergency Medical Condition (EMC) determination, Florida PIP medical benefits are capped at $2,500 instead of $10,000. What an EMC is, who can declare it, and why the cap decides case value.
Read →Florida PIPFlorida PIP benefits, explained
Florida PIP pays 80% of medical bills and 60% of lost wages up to a $10,000 limit, regardless of fault. What PIP covers, what it excludes, and where the at-fault insurer's liability coverage takes over.
Read →StatuteWhat a Florida demand letter must contain
Before suing an insurer over PIP benefits, Florida law requires a pre-suit demand letter with specific contents under § 627.736(10): the insured's name, the claim/policy number, and an itemized statement of each exact amount owed.
Read →Demand packageAnatomy of a demand package
The demand package is the central artifact of a pre-litigation injury claim. Its roughly nine components — facts, liability, medical records, lost income, damages, and a settlement figure — and what each must prove.
Read →Case theoryThe four evidentiary pillars
Every auto-injury case file must substantiate four things: liability, injury, causation, and damages. What each pillar means and the documents that prove it.
Read →Florida PIPThe 30-day insurer response window
On the insured's written request, a Florida insurer generally has 30 days to affirm or deny coverage or state that it is investigating. How the window works and why it belongs on the claim timeline.
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