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Ocean Harbor Casualty PIP Claims: Car Accident Injury Care in Davie & Plantation

Ocean Harbor Casualty PIP claims: after a car accident, UrgentMed treats drivers and passengers insured with Ocean Harbor Casualty at both clinics — Davie and Plantation — seven days a week, no appointment needed, and bills your personal injury protection (PIP) benefits directly — inside Florida’s 14-day rule, with the emergency-medical-condition evaluation done here.

Auto insurance · PIP claims

How Ocean Harbor Casualty PIP claims work at UrgentMed

Ocean Harbor Casualty Insurance Company (Pearl Holding Group) is a Florida-only non-standard auto insurer headquartered in Broward County.

Ocean Harbor Casualty writes the auto policy, so personal injury protection on a Ocean Harbor Casualty policy is billed to Ocean Harbor Casualty directly. If you own a car, your own policy usually pays, even when you were a passenger; if not, a household relative’s, and then the policy of the vehicle you were in. Bring the policy or claim number and the date of the crash.

Come in within 14 days of the crash — Florida’s no-fault law requires initial care inside that window for PIP medical benefits to apply. Bring the policy or claim number, the date of the accident and a photo ID. The visit includes a provider exam, digital X-ray on site and, where it applies, the emergency-medical-condition determination that decides whether the $10,000 or the $2,500 PIP medical limit is available. We bill Ocean Harbor Casualty PIP directly; if PIP runs out or is denied while an attorney is handling your claim, treatment can continue under a letter of protection.

Policies and brands we see

  • Ocean Harbor auto — PIP
  • Pearl Holding Group

Ready to be seen?

Walk in at Davie or Plantation seven days a week, or check in online to hold your place. No appointment needed.

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Cards that do not say Ocean Harbor Casualty

Some plans on Ocean Harbor Casualty coverage carry a different name on the front of the card — Pearl Holding Group. Those are billed to Ocean Harbor Casualty all the same, so bring the card you have and the front desk reads the network from it.

The injuries treated after a crash, the 14-day rule, the EMC determination, MedPay and what to do when the crash happened on the job are set out on the auto insurance (PIP) page and the car accident care page.

Both clinics, seven days a week

The full list of auto insurance (PIP) carriers we accept is on the category page, alongside self-pay pricing and the site-wide insurance accepted list.

Frequently asked questions

Does UrgentMed accept Ocean Harbor Casualty PIP claims?

Yes. We treat drivers and passengers with Ocean Harbor Casualty policies at both clinics and bill Ocean Harbor Casualty personal injury protection directly.

Is Pearl Holding Group the same as Ocean Harbor Casualty?

For a visit here, yes — Pearl Holding Group runs on Ocean Harbor Casualty coverage, so it is handled the same way at check-in and billed to Ocean Harbor Casualty. Bring the card you have; the network named on the back is what decides it, not the logo on the front.

Does Ocean Harbor Casualty pay the clinic directly?

Yes. We bill Ocean Harbor Casualty personal injury protection (PIP) directly. PIP pays 80 percent of reasonable medical expenses after your policy deductible; MedPay or health insurance, if you have them, can cover the rest, and the front desk explains your share before you are seen.

How soon after the accident do I need to be seen?

Within 14 days of the crash for PIP medical benefits to apply under Florida law. Same-day and next-day visits are the norm — walk in or check in online.

What is an emergency medical condition (EMC) and why does it matter?

It is a determination a physician, PA or nurse practitioner documents when the injury meets Florida’s definition; it decides whether $10,000 or $2,500 of PIP medical benefits are available on the claim.

Looking for something else?

If you are experiencing a life-threatening emergency — chest pain, difficulty breathing, severe bleeding, stroke symptoms — call 911 or go to the nearest emergency room.