You treated the patient. You earned the money. The insurance company is sitting on it — and every day you don't act, it slips further out of reach.

Here's an uncomfortable truth most chiropractors and medical providers don't want to hear: if you're not actively pursuing your Personal Injury Protection (PIP) accounts receivable, you are leaving serious money on the table. Not a few dollars. Not a rounding error. We're talking about tens of thousands — sometimes hundreds of thousands — in benefits you legally earned and are entitled to collect.

You did the work. You treated the patient. You submitted the bills. So why is that money still sitting in an insurance company's account instead of yours? Because the carrier is betting that you won't do anything about it. And far too often, that bet pays off — for them.

This is your money. Not theirs. Not "maybe someday." Yours — right now, under Florida law.

The Law Is Already on Your Side

Florida Statute § 627.736 — the No-Fault / PIP statute — was written to get providers paid promptly and fully. This isn't a gray area. The statute spells out exactly what carriers owe you and exactly how fast they owe it:

• Prompt payment. Under § 627.736(4)(b), PIP benefits are overdue if the carrier doesn't pay within 30 days of receiving written notice of a covered loss and the amount owed. Thirty days. Not ninety. Not "when they get around to it."
• Interest on late money. Under § 627.736(4)(d), every overdue payment accrues simple interest — meaning the carrier owes you more the longer they stall.
• A clear path to suit. Under § 627.736(10), a pre-suit demand letter puts the carrier on notice and gives them one last window to pay what's overdue — plus a statutory penalty. Ignore it, and the door to litigation swings wide open.
• Real dollars on the line. Each policy carries $10,000 in PIP medical benefits. That's $10,000 per claim that should be flowing to the providers who earned it — not evaporating because nobody pursued it.
• Status updates every 30 days. You'll always know exactly where your accounts stand — no chasing us for answers.
• Free quarterly audits. We'll review your books at no charge and flag PIP receivables you didn't even realize were collectible — money you were about to write off.
• Zero upfront burden. You keep treating patients. We turn your aging PIP receivables into deposits.

Read that again. The statute doesn't say carriers might pay you. It says they must, and it penalizes them when they don't. When an insurance company slow-walks, underpays, or flat-out denies a valid PIP claim and dares you to do something about it, they are keeping money that the law says belongs to you. Call it what it is: they are picking your pocket and betting you're too busy — or too intimidated — to fight back.

Meanwhile, Your Competitors Are Cashing In

Here's what's really happening in your market. The savvy chiropractors and medical providers — the ones who treat PIP recovery as part of their collections strategy — are systematically exhausting those $10,000 policies and collecting what they're owed. They've figured out that pursuing PIP receivables isn't a headache; it's a revenue stream.

And the provider who's afraid to file a PIP suit? The one who writes off the balance, or lets it age out, or just hopes the carrier does the right thing? That provider is left holding an empty bag. Same patients. Same treatment. Same statute. Completely different bank account at the end of the year — because one group acted and the other flinched.

Every claim you don't pursue is a claim your competitor's model just made more profitable than yours.

How Fischetti Law Group Makes This Painless

We get it — you went to medical school, not law school. You don't have time to chase carriers, draft demand letters, or sit in a courtroom. You don't have to. That's our entire job, and we've built our process so that pursuing your PIP receivables requires almost nothing from you or your staff.

A track record that speaks for itself

Our firm recovers 80% of the monies owed, typically within 45 days. We know these carriers, we know their playbook, and we know exactly how § 627.736 forces their hand. When they see a demand backed by a firm that actually litigates PIP, the stalling tends to stop.

No heavy lifting for your clinic

Your staff is already stretched thin. So our staff does the work — the file review, the demand letters, the follow-up, the litigation — all of it. We operate under a HIPAA-compliant Business Associate Agreement, so your patient information stays fully protected and compliant every step of the way. You hand off the accounts; we handle the fight.

You're never in the dark

WAKE UP — It's Your Money

Let's be blunt. Every month you don't pursue your PIP accounts is a month you're voluntarily donating your revenue to an insurance company that is legally obligated to pay you. That's not conservative. That's not "playing it safe." That's handing over money you earned to a carrier that's counting on your inaction.

The statute is on your side. The deadlines are on your side. The interest and penalties are on your side. The only thing missing is a firm willing to enforce it for you — and that's exactly what we do.

Get the money you're owed. It's your money. Go get it.

Start With a FREE PIP Accounts-Receivable Audit

No cost. No obligation. Our team will review your books, show you exactly how much recoverable PIP money is sitting on the table, and lay out a plan to collect it. If you like what you see, our staff takes it from there — under a HIPAA-compliant Business Associate Agreement.

Call Fischetti Law Group today: 561-810-8448