The rules for PIP claims are more clearly defined than the rules for other types of insurance claims. The first deadline is yours — you must seek medical treatment within 14 days to submit a claim for PIP benefits. Once you submit your claim, Florida law 627.736(4)(b) says that the insurer must pay or deny the claim within 30 days. If you don’t have all of the information to submit the entire claim at once, the insurer has 30 days to pay the claim after they receive each part of the claim.
If the insurer denies a claim, they must give an itemization of the denials. If the rejection is because of a clerical error by the client, the insurance company must provide an explanation. In that case, the client has 15 days to submit a revised claim.