Florida Lawmakers Frustrated With PIP Reforms

We blogged on Monday about the recent injunction that Second District Court of Appeals Judge Terry Lewis entered regarding Florida's new Personal Injury Protection laws. That action dealt with the fact that the new laws cut the coverage available to drivers who are injured in car accidents under the new changes to Florida's PIP law.

A recent article in Insurance Journal described Florda lawmakers' frustration with the lack of premium reductions promised by the insurance companies during their push to reform PIP. The new law included stricter requirements for access to PIP insurance such as the requirement to seek treatment within 14 days after the accident, and a $2,500 cap on benefits unless a medical doctor, osteopathic physician, dentist or a supervised physician’s assistant or advanced registered nurse practitioner determines the injured person has an emergency medical condition. This reduction in benefits was supposed to lead to a reduction in premiums for Florida drivers.

Florida drivers are required to carry $10,000 in PIP coverage, but the new law sought to limit the ability for an injured party to actually receive the full $10,000 coverage. The Insurance Journal article quoted Senate President Don Gaetz, who stated that he was disappointed in PIP insurance companies, adding, "I don’t think the insurance companies have come through like they said they would come through."