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Florida’s Auto Insurance Law

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Temporary Injunction

Terry Lewis, a Florida circuit court judge, recently issued a temporary injunction against certain provisions of the state’s no-fault personal injury protection (PIP) law.

Florida drivers are required to carry a no-fault PIP coverage to make sure anyone injured in a crash gets money to treat their injuries without delay. When someone is injured, the auto insurance company must pay up to $10,000 no matter who is at fault.

A PIP law has been in place for 40 years and has been revised several times.

Still, people have taken advantage of law by creating fraudulent accident and injury claims to collect the $10,000 PIP benefit through their own insurance carriers. A reform of the Florida’s no fault car insurance was targeted to reduce fraud and premiums by implementing policies and procedures that make collecting legitimate PIP benefits much more difficult.

According to the National Insurance Crime Bureau (NICB), the top five states generating the most questionable claims in 2012 were: California (21,935), Florida (10,693), Texas (10,368), New York (9,059) and Maryland (4,296).

Vehicle questionable claims increased 15% from 2011 to 2012. Hail Damage topped the above chart with a 35% increase from 2011 to 2012. Questionable Vehicle Theft remains the highest Vehicle referral reason by volume for the third year in a row.

The current injunction temporarily blocks further implementation of several limits on benefits and the exclusion of some medical professionals from the list of approved healthcare providers.

Lewis granted the temporary injunction, saying that the law as currently written unfairly prevented the medical providers from accessing the courts and having their grievances heard.


Source: and

Read more: Vehicle Insurance Questions and Answers at Florida Department of Highway Safety and Motor Vehicles.

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