Can my own insurance company deny my PIP claim?

Yes. This surprises people, because it's the company they've paid for years.

Common grounds for denial or termination: treatment began outside 14 days, no emergency medical condition determination, an examination report concluding treatment isn't reasonable or necessary, a gap in treatment, failure to attend an examination or provide requested documentation, or a dispute over whether the injury came from the crash.

Reductions are even more common than outright denials — bills paid at less than billed, procedures deemed unnecessary, and benefits terminated as of a specific date.

What to do. Get the denial in writing with the stated reason. Insurers are required to explain. Keep every explanation of benefits.

There's a pre-suit process. Florida requires a demand letter before a PIP suit, giving the insurer an opportunity to pay — covered next.

Providers frequently pursue these disputes themselves, since they're the ones unpaid.