As soon as the writer got to the statement that it will adversely effect minorities, I knew the change would be good for Florida and the minority community.
A real fix would be to eliminate any form of compulsory auto insurance. $10,000 in PIP coverage is useless and provides no benefit since we are all required to carry medical insurance by the ruling of the SCOTUS anyway.
Also, I can determine the amount of coverage I need and buy an appropriate amount of uninsured/underinsured motorist coverage and $25,000 is less than 10% of what I carry. In addition, it serves no purpose to have people with no assets buy liability insurance since they have nothing to protect.
If the top insurance lobbyist in the state says it’s bad…then you know it’s a good thing for people.
The reality is that driving is NOT a Constitutional right. If you’re on the road then you should be obligated to have liability coverage in the event you hit someone else and cause damage to them or their vehicle.
I’m tired of paying high insurance rates because so many people on the road don’t have coverage if they hit my vehicle and i’ll have to file an uninsured motorist claim with my own insurance.
Also, putting a cap for medical expenses at medicare rates is absolutely RIDICULOUS! Doing that would limit where a driver that’s been injured can seek treatment. You know who accepts medicare rates? Not the best doctors that’s for certain.
Repealing PIP is a terrible idea. If you think you pay high rates now, wait until this bill which was poorly thought out leads to an influx of bad faith lawsuits against insurance companies because there is zero guidance from the legislature as to how medical bills should be paid. Wait until the insurance company makes a mistake by a penny or two calculating benefits and the lawyers immediately file suit because there was no presuit demand letter requirement as there is now. Guess what, once the lawyer files suit on a two cent med pay benefit mistake, they likely will get 4K or more in attys fees. I work in this field so I know. There are so many issues with this bill that are not addressed that will be extremely costly to all florida drivers in the end. This is a disaster waiting to happen.
Nick couldn’t be more right! In the short time, it’s going to raise rates immediately and when the poorer persons in the state fall out of the insured persons pool, they will drive WITHOUT coverage and the insurance rates will increase even more, as well as your hoopital and medical bills to cover the shortfalls by uninsured motorists being treated by them. I do agree that everyone should be required to have B.I. coverage but this jump and elimination of PIP medical payments being mandatory is not the answer. Also, what they aren’t telling you is that they are using out of date information to try to justify there actions. Most states have B.I. but most also have mandatory PIP, and B.I. Until everyone has Medical Insurance……haha…did I just say that? Maybe they should have started out with 10 PIP, 10 Property Damage, 10/20 in BI and wait for the mandatory $15.00 per hour wage to gradually move up and escalate the BI limits accordingly?
As a practicing physician in Florida for 30 years, losing PIP would be a disaster for consumers…we purchase PIP coverage for protection against financial disaster….if the idiots in Tallahassee think health insurers are going to pick up the bill, they are crazy…..the loss of personal injury coverage will drive people to the ER (hospitals are going to be swamped)…this creates financial disaster for all drivers…….DESANTIS, DO YOUR JOB AND PROTECT FLORIDIANS FROM THE SLIMY TRIAL LAWYERS SALIVATING OVER THIS LAW!
I urge everyone to email Governor DeSantis to voice your opposition to the repeal of PIP. This is one of the most ill conceived pieces of legislation I have ever seen. Man, someone (the big trial lawyer firm -guess who? you know, their signs and commercials are everywhere) is the only group pushing this change in the law. Email the governor. He hasn’t signed the bill yet. Make your voice count. I have not found one single article or commentary by any authority that says this bill is a good idea. It will have the opposite effect of what these legislators that are pushing the bill says it will do. Completely no thought to the repurcussions or ramifications of removing all the lawsuit protections currently in the PIP law. Want a better pip system? Fine, tweak it, don’t eliminate it and go back to ground zero.
Florida is the exception in how their auto insurance laws are structured. That would be fine, except it obviously isn’t working and no longer facilitates a stable insurance marketplace.
Most states have adopted similar insurance requirements to what is proposed and it works fine. Big states, small states, everything in-between. If they update their laws to a more modern form it probably won’t solve every problem they have, but nothing horrible will happen
Its still crazy to me that BI isn’t required unless you’ve been convicted of certain driving infractions.
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If the top insurance lobbyist in the state says it’s bad…then you know it’s a good thing for people.
The reality is that driving is NOT a Constitutional right. If you’re on the road then you should be obligated to have liability coverage in the event you hit someone else and cause damage to them or their vehicle.
I’m tired of paying high insurance rates because so many people on the road don’t have coverage if they hit my vehicle and i’ll have to file an uninsured motorist claim with my own insurance.
Also, putting a cap for medical expenses at medicare rates is absolutely RIDICULOUS! Doing that would limit where a driver that’s been injured can seek treatment. You know who accepts medicare rates? Not the best doctors that’s for certain.
Repealing PIP is a terrible idea. If you think you pay high rates now, wait until this bill which was poorly thought out leads to an influx of bad faith lawsuits against insurance companies because there is zero guidance from the legislature as to how medical bills should be paid. Wait until the insurance company makes a mistake by a penny or two calculating benefits and the lawyers immediately file suit because there was no presuit demand letter requirement as there is now. Guess what, once the lawyer files suit on a two cent med pay benefit mistake, they likely will get 4K or more in attys fees. I work in this field so I know. There are so many issues with this bill that are not addressed that will be extremely costly to all florida drivers in the end. This is a disaster waiting to happen.
Agent with millions in auto insurance premium: “Oh Yeah Baby! Daddy gettin’ another raise!”.
Nick couldn’t be more right! In the short time, it’s going to raise rates immediately and when the poorer persons in the state fall out of the insured persons pool, they will drive WITHOUT coverage and the insurance rates will increase even more, as well as your hoopital and medical bills to cover the shortfalls by uninsured motorists being treated by them. I do agree that everyone should be required to have B.I. coverage but this jump and elimination of PIP medical payments being mandatory is not the answer. Also, what they aren’t telling you is that they are using out of date information to try to justify there actions. Most states have B.I. but most also have mandatory PIP, and B.I. Until everyone has Medical Insurance……haha…did I just say that? Maybe they should have started out with 10 PIP, 10 Property Damage, 10/20 in BI and wait for the mandatory $15.00 per hour wage to gradually move up and escalate the BI limits accordingly?
As a practicing physician in Florida for 30 years, losing PIP would be a disaster for consumers…we purchase PIP coverage for protection against financial disaster….if the idiots in Tallahassee think health insurers are going to pick up the bill, they are crazy…..the loss of personal injury coverage will drive people to the ER (hospitals are going to be swamped)…this creates financial disaster for all drivers…….DESANTIS, DO YOUR JOB AND PROTECT FLORIDIANS FROM THE SLIMY TRIAL LAWYERS SALIVATING OVER THIS LAW!
I urge everyone to email Governor DeSantis to voice your opposition to the repeal of PIP. This is one of the most ill conceived pieces of legislation I have ever seen. Man, someone (the big trial lawyer firm -guess who? you know, their signs and commercials are everywhere) is the only group pushing this change in the law. Email the governor. He hasn’t signed the bill yet. Make your voice count. I have not found one single article or commentary by any authority that says this bill is a good idea. It will have the opposite effect of what these legislators that are pushing the bill says it will do. Completely no thought to the repurcussions or ramifications of removing all the lawsuit protections currently in the PIP law. Want a better pip system? Fine, tweak it, don’t eliminate it and go back to ground zero.
Email the governor: GovernorRon.Desantis@eog.myflorida.com
Florida is the exception in how their auto insurance laws are structured. That would be fine, except it obviously isn’t working and no longer facilitates a stable insurance marketplace.
Most states have adopted similar insurance requirements to what is proposed and it works fine. Big states, small states, everything in-between. If they update their laws to a more modern form it probably won’t solve every problem they have, but nothing horrible will happen
Its still crazy to me that BI isn’t required unless you’ve been convicted of certain driving infractions.