Personal injury protection (PIP)

Personal Injury Protection (PIP) coverage, also known as No-Fault Coverage, is one of two types of automobile insurance coverage that is mandatory in the State of Florida (the other mandatory coverage is property damage coverage). Florida law requires every person who registers a vehicle in the state to carry minimum PIP coverage of up to $10,000 in medical, disability and lost wage benefits and $5,000 in death benefits. IP benefits are paid by your own insurance company if you are in an accident, regardless of whether you are at fault or not. This is what is meant by Florida being a No-Fault insurance State. PIP covers eighty percent (80%) of all reasonable, related, and medically necessary medical bills and sixty percent (60%) of any lost wages.

Who’s Covered Under Florida PIP Insurance?

Personal injury protection insurance covers you and the following people, unless that person owns their own vehicle:

  • Relatives living with you.
  • Passengers in your vehicle.
  • Pedestrians you hit.
  • Anyone driving your car with your permission.

PIP insurance may also cover you, and family members living with you, when:

  • Driving someone else’s car with permission.
  • Riding in someone else’s car.
  • Injured in a car accident as a pedestrian.

PIP 14-Day Rule

If you are involved in an accident, you must receive initial care and treatment from a qualified physician within 14 days of the accident. Failure to receive medical treatment within 14 days will result in a forfeiture of PIP coverage.

Compliance with Policy Conditions

In Florida personal injury cases, insurance companies may request an Examination Under Oath (EUO), which is a formal questioning of the insured party conducted under oath and recorded. This is in investigation tool utilized by many insurance carriers to verify information about the accident and determine coverage. Failure to attend a properly scheduled Examination Under Oath will result in a denial of PIP coverage under your policy. Therefore, it is imperative that you attend any properly scheduled Examination Under Oath.

Practicing PIP Litigation For 20+ Years

Kevin W. Whitehead, Esq., founding partner of Whitehead Law Group, has been practicing in personal injury protection (PIP) for 20 years. His vast knowledge and experience in this complex area of the law is critical and crucial to any client, whether a person or medical care provider, in evaluating any potential PIP claim. If the insurance company elects not to pay or cuts off benefits too early, a PIP lawsuit can be filed against the company to continue these benefits. Additionally, if the insurer purposefully or mistakenly does not pay valid claims within 30 days of obtaining notice of them, they are subject to monetary penalties such as interest on the amount owed.

    Professional Testimonials

    John P. Murray, Esq.

    Kevin Whitehead, Esq. of South Florida’s Whitehead Law Group is, bar none, one of the top personal injury and PIP attorneys that I know of in our legal community.  His success rate is off-the-charts, and his primary goal has always been to maximize recovery for his clients.

    He is one of the only attorneys I know that represents a case from beginning to end. This means, he will not only make the claim and litigate the matter to a final verdict; he wiil, if required, handle its appeal.  I am glad to not only call him my friend but also a fellow lawyer in this community.

    Concentrating in Disability and ERISA law

    Michael A. Haggard, Esq.

    I’ve known Kevin Whitehead since we were classmates together at the University of Miami, School of Law.  His reputation in the community among lawyers and Judges, as one of the top trial lawyers in Miami-Dade County, is well documented and well deserved. I am glad to consider him not only as a friend, but also as a trusted lawyer in the areas of his practice. 
    The Haggard Law Firm
    Concentrating in Negligent Security law

    Ada B. Pozo, Esq.

    I have known Kevin Whitehead, Esq. for several years.  When I was a Judge in Miami-Dade County, he was regularly in front of the Court, arguing cases on behalf of his clients.  I can attest that he always came prepared and was one of the top lawyers before the Court in personal injury protection.

    Now that I am in the private sector handling immigration cases, I have worked in conjunction with Mr. Whitehead on some of the cases he has sent to my office.  I consider Mr. Whitehead an asset to both the legal field and the community.

    Concentrating in Immigration law

    John H. Hickey, Esq.

    I’ve known Kevin Whitehead now for over 20 years and his passion and motivation for his clients is bar-none in the percentile for lawyers in the Miami-Dade County community.  I am proud to consider him not only a colleague but also a friend.  He has been trying cases for over 25 years and his record is impressive.

    In addition, he is well known for providing pro bono legal assistance to those in need of an attorney, and serves as an active participant in Lawyers for Children America in Miami, and for Dade Legal Aid Put Something Back. 

    Concentrating in Admiralty and Maritime law

    Spencer M. Aronfeld, Esq.

    I have known and worked with Kevin Whitehead, Esq., for over 25 years.  I can easily say, hands down, that he is one of the most tenacious litigators we have in Miami-Dade County.  He has focused his entire career on representing people who have claims against insurance companies.  

    In the courtroom, I can attest that he always comes prepared and ready to argue his case and represent his clients to the fullest extent possible.  Not only does he take on difficult cases, but his success rate is off the charts.

    Concentrating in Cruise Ship accidents

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