The State of Florida Insurance Regulation Department is in place for this and other consumer problems. I would contact them immediately.
Here is a brief explanation of why there are consumer/victim problems with PIP cases. The rest of the page has excellent background on why PIP has been needed. As always, it's because of lawsuits by people who prefer to game the system and vote for a living or sue for a living instead of work for it. Then those who cannot work because they've been
truly injured get the runaround that the o.p. has.
"....In recent years, the number of drivers and auto accidents has remained relatively constant, but the amount of PIP claims, and PIP payments has skyrocketed. The National Insurance Crime Bureau lists Florida as having several cities reporting the highest amount of “questionable claims” nationally. While PIP premium represents roughly two percent of Florida’s collected insurance premium, this issue accounts for nearly 50 percent of fraud referrals....."
http://www.floir.com/Sections/PandC/...w/PIPInfo.aspx