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Will Florida Reform Its Personal Injury Protection (No-Fault Insurance) System?


Florida is currently one of ten states with personal injury protection, also known as no-fault auto insurance. But state legislators are trying to change Florida’s auto insurance system. Two competing bills have recently been voted out of their respective committees and will be debated by the full legislative chambers.

The state Senate Banking and Insurance Committee recently voted to replace the PIP system with a requirement that motorists carry bodily injury protection. It includes a provision creating a medical payment (called MedPay) coverage mandate of $5,000. The House version also calls for bodily injury protection coverage, but it doesn’t include the MedPay provision.

Whether the House and Senate agree on a PIP replacement remains to be seen.

What Is PIP Insurance?

Under current Florida law, every vehicle owner and driver must have $10,000 in PIP insurance coverage. Your insurance company will pay you PIP benefits if you are in an accident, regardless of who is at fault (that’s why it’s called no-fault insurance). Specifically, your insurance company will pay 80 percent of your medical expenses and 60 percent of your lost wages, up to $10,000.

Unfortunately, $10,000 isn’t always enough to cover your medical expenses or make up for lost wages. In that case, you might need to bring a personal injury lawsuit to recover damages.

Why Do Florida Lawmakers Want to Change the System?

According to the Florida Office of Insurance Regulation, no-fault insurance was intended to provide injured drivers with $10,000 in immediate medical coverage instead of forcing them to immediately seek damages in court (that of course didn’t eliminate the need for personal injury lawsuits in many cases).

While the goal was to reduce payment delay and personal injury lawsuits, the system created other problems. The Office of Insurance Regulation notes that Florida has seen an increase in PIP claims and payments. The concern is that many of these claims are fraudulent, which is one reason lawmakers want to change the system. But this isn’t the first time that lawmakers have initiated reform, so it’s unclear whether these latest efforts will succeed.

What Do These Proposals Mean for Me?

Right now, nothing. The only thing to do is wait and see whether the legislature enacts a law reforming the system. In that case, our attorneys will be ready to advise you on your best insurance options.

In the meantime, PIP insurance coverage can help families and individuals who are injured in car accidents and might not otherwise be able to afford their medical bills. An experienced personal injury protection attorney can help you understand your options.

Contact Us Today

If you have questions about your personal injury protection insurance or are interested in obtaining coverage, contact a Fort Myers personal injury attorney at The Pendas Law Firm today for a free consultation. We will keep abreast of all of the latest developments in Florida law related to PIP insurance.

The Pendas Law Firm also represents clients in the Miami, Fort Lauderdale, Tampa, Jacksonville, Orlando, West Palm Beach, Dayton and Bradenton areas.






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