If you’re a healthcare provider treating auto accident patients in Florida, you already know the frustration. You deliver the care. You submit the bills. And then the insurance company finds every reason not to pay.
Coverage denials, lowball reimbursements, and procedural roadblocks have become standard operating procedure for many auto insurers in Florida. But you don’t have to accept it. Licznerski Law, PLLC fights alongside medical providers across Florida to recover Personal Injury Protection (PIP) benefits that insurers wrongfully withhold.
The PIP System Was Designed to Help — Insurers Have Learned to Exploit It
Florida’s PIP law requires auto insurance policies to cover 80% of reasonable and necessary medical expenses up to $10,000 for injuries sustained in a car accident — regardless of who was at fault. In theory, this means your patients’ treatment should be reimbursed promptly and fairly.
In practice, insurers have developed a sophisticated playbook to deny, delay, and reduce payments to providers like you.
Common Tactics Used to Deny Your PIP Claims
Independent Medical Examinations (IMEs)
Don’t let the name fool you. An IME is ordered by the insurance company and performed by a physician of the insurer’s choosing. The purpose, more often than not, is to generate a report concluding that your patient has reached maximum medical improvement or that further treatment is not medically necessary — cutting off your reimbursement. These examinations are frequently brief, superficial, and completely at odds with the clinical picture you’ve documented over weeks or months of treatment. Licznerski Law, PLLC knows how to challenge IME findings and hold insurers accountable when they use them improperly.
Peer Reviews
A peer review is another insurer-favored tool where a reviewing physician — who has never examined your patient — evaluates your billing and determines that some or all of the treatment was not reasonable or necessary. These paper reviews are often used to justify partial or full denials of your claims. We know how to scrutinize peer review reports and expose the flaws in their reasoning.
Examinations Under Oath (EUOs)
Insurance companies may require your patients to submit to an Examination Under Oath as a condition of receiving benefits. These are formal, recorded proceedings conducted by the insurer’s attorney. When a patient fails to appear or is not properly prepared, the insurer may use it as grounds to deny the entire claim — and your bills go unpaid as a result. We help ensure your patients’ obligations are met and that EUOs are not weaponized against legitimate claims.
Coverage Denials
Insurers deny PIP claims on a wide variety of grounds — policy lapses, alleged fraud, late notice, failure to attend an IME, and more. Many of these denials are legally questionable or outright improper. A denial letter is not the end of the road. It is often the beginning of a fight we are prepared to win.
You Provided the Care. You Deserve to Be Paid.
Providers who treat PIP patients take on real financial risk every time they accept an assignment of benefits. You invest your time, your staff, and your resources in treating injured patients — often before you know whether the insurer will honor the claim. When insurers act in bad faith or misapply the law, it’s not just an inconvenience. It threatens the viability of your practice.
Licznerski Law, PLLC represents healthcare providers in PIP litigation and pre-suit negotiations. We understand the statutes, the case law, and the tactics insurers use. We work to recover what you are owed — and in successful cases, Florida law provides for the recovery of attorney’s fees, meaning you can pursue your claim without worrying about legal costs eating into your recovery.
Serving Providers Across Florida
Licznerski Law, PLLC proudly serves PIP providers throughout Florida, including:
Hillsborough County, Pinellas County, Pasco County, Hernando County, Citrus County, Polk County, Manatee County, Sarasota County, Charlotte County, Lee County, Collier County, Miami-Dade County, Broward County, Palm Beach County, Orange County, Osceola County, Seminole County, Brevard County, Volusia County, Duval County, and surrounding areas.
Don’t Leave Money on the Table
Insurance companies count on providers giving up after a denial. They rely on the fact that chasing down unpaid PIP claims is time-consuming and complex. That’s exactly why having an experienced legal team in your corner matters.
If your PIP claims are being denied due to IMEs, peer reviews, EUOs, or other coverage disputes, contact Licznerski Law, PLLC today for a consultation. We’ll review your situation and help you understand your options.
Your patients trusted you with their care. Trust us to fight for your payment.
www.licznerskilaw.com