Florida Weighs Whether to Continue Personal Injury Coverage
Southeast News • March 29, 2007
After her car accident, Sarah Capps suffered from a sore shoulder and back. What she thought were common pains turned out to be six herniated discs.
Were it not for the protective medical ...
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Subject: strange article
Posted On: March 29, 2007, 3:18 pm CDT
Posted By: chad balaamaba
Comment:
on one hand, the article presents an emotional picture of the lady who states she wouldn't know she had 6 herniated discs if it wasn't for PIP as she couldn't pay for the doctor visit to find out; obviously, this involved diagnostics, and not just an MD visit. PIP covers 80% of reasonable and necessary meds; so she still would owe 20%. Her point that she had 'no money' to pay doesn't add up; she still had to cover 20%...unless she had medpay.
If pip is dissolved, medpay will still likely be offered in the state; it doesn't have the 80% payment issue attached; it would pay 100% of necessry/related meds up to it's limit. However, it hopefully wouldn't be subject the whims of the Florida PIP arb system, which makes it difficult to carriers to police fraud in the PIP system.
Another needed change would be the addition of mandatory bodily injury liability limits.
There are reasons for continuing and discontinuing the coverage. It doesn't function as true no fault, so it turns out to be a methodology to build a case against a tortfeasor.
Reforms, such as those enacted by states like NJ, may assist. It gives carriers to power to question those injury claims on an even playing field. Thousands of quacks left the state when the new law took effect.
Subject: strange article
If pip is dissolved, medpay will still likely be offered in the state; it doesn't have the 80% payment issue attached; it would pay 100% of necessry/related meds up to it's limit. However, it hopefully wouldn't be subject the whims of the Florida PIP arb system, which makes it difficult to carriers to police fraud in the PIP system.
Another needed change would be the addition of mandatory bodily injury liability limits.
There are reasons for continuing and discontinuing the coverage. It doesn't function as true no fault, so it turns out to be a methodology to build a case against a tortfeasor.
Reforms, such as those enacted by states like NJ, may assist. It gives carriers to power to question those injury claims on an even playing field. Thousands of quacks left the state when the new law took effect.