Personal Injury Protection

Jessica Palombo / WFSU News

A Florida state senator is on a mission to replace the state’s no-fault auto insurance system with one he says will lower drivers’ premiums and pay more in compensation when they’re injured. The call for insurance reform comes just as a court has allowed the state insurance regulator to start enforcing some controversial insurance changes the Legislature made last year.

Florida Judge Blocks Parts Of PIP Reform

Mar 21, 2013

Last year the Florida legislature passed laws reforming the state’s personal injury protection or PIP.  Lawmakers decreased how much money insurance companies had to pay out and who could be paid.  The law was an effort to decrease insurance fraud, but a ruling by a Florida judge has temporarily blocked the reforms.

Much of this year’s Florida Legislative Session dealt with the issue of reforming the state’s personal injury protection or “PIP” auto insurance law.  Lawmakers wound up passing a reform measure, but Tom Flanigan reports there are already questions about whether it will work as advertised…

Florida drivers could see a drop of up to 25 percent off their personal injury protection, or PIP insurance, rates, following reforms enacted earlier this year. That’s according to a report released on Tuesday. But, insurance regulators are cautioning that other factors could reduce the expected savings.

A preliminary report shows Florida’s new auto insurance reform law will actually save policy holders some cash. But, those projected savings could still depend on factors outside the scope of the law.  

If you haven’t heard of 411 Pain, then you may be familiar with their ad.

The 411 Pain referral service tells customers they could be entitled to up to a hundred thousand dollars or more for injuries and lost wages due to car accidents, and also says customers could get more than $10,000  in personal injury protection benefits under the state’s mandatory auto insurance law.

But the Attorney General’s office says those actions violate state law.

Governor Rick Scott got the legislation he wanted to reform Florida’s mandatory motor vehicle law. James Call reports supporters of the measure say it cracks down on fraud in personal injury protection cases and will lead to lower premiums for consumers.


One of the biggest disputes of the 2012 Florida Legislative Session has involved the Personal Injury Protection, or “PIP” reform issue.  The House and Senate bills addressing that issue are still far apart.  And as the session winds down, Tom Flanigan reports supporters of the House bill, including Governor Rick Scott, are ramping up the pressure….

With just a single day left in the regular session, Governor Rick Scott called reporters into his office to meet with him, Chief Financial Officer Jeff Atwater and Florida Insurance Commissioner Kevin McCarty:

Two of the more controversial issues facing this year’s Florida Legislative Session wound up on the agenda of the House Economic Affairs Committee Friday.  As Tom Flanigan reports, the committee sent the bills covering both matters to the house floor after much debate.

Two bills aiming to end staged accidents and personal injury protection abuse are moving through both chambers of the Florida Legislature. As Sascha Cordner reports, the state’s insurance commissioner says he likes different parts of the House and Senate PIP proposals, and envisions a marriage of both.

Florida’s Insurance Commissioner Kevin McCarty says there are elements of both House Bill 119 and Senate Bill 1860 that will bring comprehensive personal injury protection, or PIP reform.

The House and Senate are getting closer to an agreement on fixing the state’s no-fault auto insurance law. Lynn Hatter reports, Members of the Senate Banking and Insurance Committee approved changes to a bill that would try to bring an end to a system that’s riddled with fraud.

The panel approved Senate Bill 1860 with a unanimous vote. The proposal, drafted by Republican Senator Joe Negron eliminates treatments like massage therapy and acupuncture from the list of services that personal injury protection insurance currently pays for after accidents.


The debate on how to reduce personal injury protection insurance fraud was raging again in the Florida Legislature Wednesday.  Tom Flanigan reports those supporting the House’s solution held a noon pep rally in the Capitol Rotunda.  Meanwhile, consumer advocates are favoring the Senate’s less sweeping approach to the problem.

The second official day of Florida’s 2012 Legislative Session was a flurry of activity at the State Capitol.  Tom Flanigan reports lawmakers jumped right into issues, both heavy and not-so-heavy.

In his State of the State message on the session’s opening day, Governor Rick Scott told lawmakers he wanted something done about auto insurance fraud and what that’s costing policyholders.

“These costs are being driven up each and every day all around the state by scams that are ultimately paid for by Florida’s working families.”