In an 88-15 vote, the Florida House recently voted to repeal the Sunshine State’s longstanding Motor Vehicle No-Fault Law, commonly known as PIP. The law requires all Florida motorists to carry $10,000 in mandatory personal injury protection coverage, as well as $10,000 in coverage for property damage.
Our Miami personal injury attorneys are monitoring the potential impacts the decision could have for motorists in Florida, and have outlined some key points everyone should know.
About the Law
The PIP requirement has been controversial for quite some time, with critics arguing that it wrongfully imposes the cost of the injuries on the victim, even in instances where another individual is at fault. It also opened the door to more fraudulent claims, which is why HB 119 was introduced in 2012. This bill established a limited time frame of 14 days for injured motorists to seek medical treatment in order to have a valid claim.
The Future Without PIP
With this mandate potentially out the door, there were two which could have taken its place. The first was Senate Bill 150, which would have repealed the measure in the state Senate, while replacing the mandatory personal injury protection coverage with a required $5,000 in medical payments coverage. This coverage type reimburses the full cost of one’s medical costs, as opposed to the 80 percent reimbursement provided by PIP. Drivers would have also be required to carry bodily injury coverage of $20,000 per person and $40,000 per accident/ The bill still required that motorists carry $10,000 in coverage of property damage. However, a Senate subcommittee shot the bill down on February 28.
The other alternative is House Bill 19, which still stands a chance at becoming law. It was presented and accepted by the House in its vote to repeal. In addition to effectively repealing PIP, House Bill 19 would require motorists to carry bodily-injury coverage of $25,000 per person and $50,000 per accident. Time will tell if this bill will change the way Florida drivers purchase bodily injury insurance, or if it will follow in the Senate bill’s footsteps.
Injured in an accident and looking to learn more about your options? Our Miami personal injury attorneys are here to help. Contact our office today to schedule a free consultation.