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Originally Posted by ilovetv

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....."

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NICB is a good organization and has uncovered many insurance fraud schemes. You are spot on.

Plaintiff attorneys utilize PIP to grease their liability claims. If you visit a plaintiff attorney about your claim and its value, the first thing the attorney is going to say is "tell the insurance company there is not enough money to compensate you for the pain and suffering you have undergone. This little bity rear end accident wrecked my life caused my divorce because the pain caused me to cheat on my wife, led to my taking drugs and losing my job and all my friends. In fact everything of a negative value that has occurred to me can be laid at the feet of this accident. since your insured was responsible I deserve to be compensated so well that I should never have to want for anything the rest of my life. Pardon, the damages to my car, cost me $300 to have it repaired boy the guy must have been going a zillion miles an hour...but sir, the car was parked, where you still in it?