Senate Bill 1766 and House Bill 1063 seek to redefine automobile insurance in the state of Florida.
- Implementing an at-fault system;
- Requiring a minimal amount of Bodily Injury liability protection ($25,000 per person/$50,000 per incident) for all private passenger vehicles;
- Requiring additional Bodily Injury liability protection for all commercial vehicles;
- More stringently regulating solicitation by doctors and lawyers of personal injury claimants; and
- Tightening existing self-insurance requirements.
About the Bill:
The Bills have been filed in the Florida Senate (1766, here) and House (1063, here) and attempt to do away with Florida’s PIP (no fault) automobile insurance system and institute mandatory Bodily Injury coverage- like most states. Car accident victims in Florida often are told that the person (and sometimes the business) which caused their injuries has/have no insurance while other states require a minimum of $25,000 per person to cover the medical bills, lost income and other damages of the person harmed.
The Bills also seeks to increase penalties for insurance fraud and solicitation of claims, as more and more people affiliated with doctors and lawyers have been soliciting victims, otherwise known as “ambulance chasing.” Solicitation gives good doctors and lawyers a bad name.
People rarely have UM/UIM (uninsured/underinsured) motorist coverage to fill the gap. From simple doctors bills to lost limbs, brain injuries and the like, victims are too often left without coverage in Florida by most drivers and this can add additional financial insult to injury. “Full coverage” in Florida means the legal minimum, which is actually quite insignificant.
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