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Tag Archives: florida pip
Personal Injury Protection (PIP) is a mandatory coverage on Florida car insurance policies that covers medical expenses, lost wages, and other damages. The original purpose of PIP coverage was to make sure that anyone injured in an auto accident would quickly receive money to treat their injuries. In Florida, all drivers are obligated to obtain a minimum of $10,000 PIP coverage for medical bills and lost wages following an auto accident.
Due to rampant fraud and misappropriation of PIP coverage in Florida, insurance companies have lobbied to pass PIP insurance reform to limit the types of treatment available to crash victims covered by PIP, and limit the amount of coverage in order to avoid abuse and fraud.
In 2012, the Florida legislature passed into law PIP reform that bans the use of PIP dollars to pay for massage or acupuncture treatments and will limit the payout for non-emergency treatment of accident-related injuries to $2,500.00. A widespread concern is that accident victims with serious injuries won’t be able to get the care they need if they sustain an injury such as a whiplash or herniated disc because these injuries may not qualify as an emergency.
Nonetheless, supporters of the bill insist that the reform will contribute to overall lower insurance premiums and provide much needed relief to Florida drivers.
If you or a loved one have been a victim of an auto accident and have questions concerning your rights, call Blick Law Firm today at 813-931-0840 to schedule a free 15 minute consultation with attorney Michael Blickensderfer. Think quick, call Blick! 813-931-0840.
Tampa- Due to the increase in Florida insurance PIP fraud and number of reported claims compared to actual reported accidents with injuries, Florida lawmakers have agreed that there is need for change with the current law.
According to The National Insurance Crime Bureau, Florida is now the leader in the nation for staged auto accidents where numerous alleged “passengers” each access their $10,000 of PIP benefits from providers who are neither licensed nor have an identifiable address.
In 1972, Personal Injury Protection (PIP) was to introduced to assist accident victims and offer the benefit of providing money for injured drivers to take care of immediate injuries through visits to doctors and hospitals.
Due to the exploitation of the system, prices for insurers and consumers rose steadily. PIP claims are a major cost-driver of auto insurance rates and predictions that PIP insurance premiums will only increase this year.
Although the Florida Department of Financial Services have been investigating and prosecuting those involved with insurance fraud, there is more that will be done. Recently Rick Scott addressed this issue and plans to make it a priority to resolve. It is not only affecting immediate parties involved but directly affects Florida’s families, the economy and job creation plans and proposals.
Many proposals are being passed around, one being those involved in auto accidents will have a 72-hour window for reporting to the emergency room, physician, or similar facilities in hopes to decrease fraud. Also police will be required to fill out a more uniform report of all accidents for better insight to investigations.
Stay tuned for more updates as Blick Law Firm will report any changes to the Florida auto insurance law. We want you to be aware and understand how this can affect you and your loved ones driving on the road. If you want to understand more of your insurance coverage or have certain questions please give Blick Law Firm a call today at 813-931-0840.
Think quick, call Blick!