Court Rules in Favor of Insurance Company in PIP Benefits Dispute in Miami-Dade County, FL

CSK Defense
Orlando Partner Justin Seekamp

Case Summary
This case was heard in the County Court of the 11th Judicial Circuit, wherein the Plaintiff, a health services company, sued Defendant, an insurance company, seeking payment of Personal Injury Protection (PIP) benefits for medical services provided to an individual injured in a car accident. The Plaintiff claimed that the insurance company failed to pay all benefits owed under the policy.

Defense Strategy
The defense argued that the insurance company had fully exhausted the limits of both PIP and Medical Payments coverage by paying valid claims and lost wages as required by the policy and Florida law. They presented affidavits, policy documents, payment logs, and deposition testimony to show that all contractual obligations were met and that no further payments were owed. The defense also pointed out that Plaintiff failed to provide evidence of bad faith or improper payments that would justify additional liability beyond the policy limits.

Verdict
The Court found that there was no genuine dispute regarding the exhaustion of benefits and ruled in favor of the insurance company. The Plaintiff’s claims were dismissed, and the Defendant was granted final summary judgment. The Plaintiff will not receive any further payments, and the case is closed as to all parties. The Court reserved jurisdiction to consider any future motions for attorneys’ fees and costs.