I’m new to Florida so still learning about this subject but it seems PIP/No Fault rules allow unresponsible drivers to not be held responsible for causing an accident.
Why doesn’t FL just enact Liab BI requirement and do away with PIP? I was thoroughly confused during the last couple months when they kept saying “without PIP Florida drivers will be at risk”.
Doesn’t it seem more appropriate to have the insurance company of the party who caused the accident pay for damages and therefore it holds that driver responsible and the AAF gets charged to him/her?
For Liability to respond, there needs to be proof of responsibility. And, in CAC’s scenerio who will pay for the at-fault driver if the at-fault driver does not have health insurance? That was good part of PIP/No-Fault.
Ok, today is Oct. 5th. Companies are going to have to file rates, develop and file forms and program the changes into their rating and issuing systems.
Now I don’t know about other companies, but we will begin generating January renewals in Novmeber. Sure is nice how the state gave us all this lead time in order to get this all done.
I realize, but it’s the same or better coverage than PIP. So, why have PIP? Why not just require min 10K in med?
Then expanding the discussion – why force individuals to get coverage for themselves in the first place? You said “who pays for the at fault driver if no health insurance”? Well, there’s no requirement for an individual to have health insurance, so why require them to cover themselves on their auto insurance? They have a choice – they choose not to have health insurance, so can they choose to not have medical coverage if in an auto accident.
And another question, why doesn’t FL require insurance companies to offer UMPD?
CAC – you must be crazy! How can you expect people to make decisions about what insurance to carry? People just don’t know what’s good for them – the govenment must make these decisions. We simple can not have people choosing for themselves.
The reason No-Fault came about was because the courts were clogged up with comparitive negligence suits. Auto premiums were skyrocketing and carriers were limiting the amount of business they would write.
In the meantime with out PIP, the hospitals will loose out for lack of reimbursement for emergency room services.
Another point to remember, the $10,000 limit of PIP coverage was established back in the early 70’s and has been held down by the trial lawyers who wanted to keep the tort threshhold artifically low.
$10,000 buys about 20 minutes in the ER!
The PIP limit should be increased to at least $25,000 and BI should be manditory in this state. Way too many drivers are carrying the state required minimum PD & PIP coverage. No BI for when they send me to the hospital – ergo my high limits of UM coverage.
I just find it ironic that the same folks that rail against government socialized medicine are supporting pip. Its the same as requiring people to have health insurance except in this case its extremely expensive and only covers you in an auto accident.
And FHA (the lobbying group for Fla hospitals) loves PIP because it pays inflated rates and they can soak it all up. What really burns me up is hospitals have a greater right than the PIP policyholder when it comes to reserving benefits for wage loss. A hospital can get paid under pip even if its in the best interest of the pip insured to use health insurance and reserve the pip for wage loss. That sickens me. Where else can a third party have more rights than a first party insured?
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.
So over treatment, built up specials and fraud continue in Florida.
Too many claims and never enough employees to investigate the claims.
I’m new to Florida so still learning about this subject but it seems PIP/No Fault rules allow unresponsible drivers to not be held responsible for causing an accident.
Why doesn’t FL just enact Liab BI requirement and do away with PIP? I was thoroughly confused during the last couple months when they kept saying “without PIP Florida drivers will be at risk”.
Doesn’t it seem more appropriate to have the insurance company of the party who caused the accident pay for damages and therefore it holds that driver responsible and the AAF gets charged to him/her?
For Liability to respond, there needs to be proof of responsibility. And, in CAC’s scenerio who will pay for the at-fault driver if the at-fault driver does not have health insurance? That was good part of PIP/No-Fault.
Med Pay?
Med Pay as long as it is purchased. It is not a required purchase.
Ok, today is Oct. 5th. Companies are going to have to file rates, develop and file forms and program the changes into their rating and issuing systems.
Now I don’t know about other companies, but we will begin generating January renewals in Novmeber. Sure is nice how the state gave us all this lead time in order to get this all done.
I realize, but it’s the same or better coverage than PIP. So, why have PIP? Why not just require min 10K in med?
Then expanding the discussion – why force individuals to get coverage for themselves in the first place? You said “who pays for the at fault driver if no health insurance”? Well, there’s no requirement for an individual to have health insurance, so why require them to cover themselves on their auto insurance? They have a choice – they choose not to have health insurance, so can they choose to not have medical coverage if in an auto accident.
And another question, why doesn’t FL require insurance companies to offer UMPD?
CAC – you must be crazy! How can you expect people to make decisions about what insurance to carry? People just don’t know what’s good for them – the govenment must make these decisions. We simple can not have people choosing for themselves.
The reason No-Fault came about was because the courts were clogged up with comparitive negligence suits. Auto premiums were skyrocketing and carriers were limiting the amount of business they would write.
In the meantime with out PIP, the hospitals will loose out for lack of reimbursement for emergency room services.
Another point to remember, the $10,000 limit of PIP coverage was established back in the early 70’s and has been held down by the trial lawyers who wanted to keep the tort threshhold artifically low.
$10,000 buys about 20 minutes in the ER!
The PIP limit should be increased to at least $25,000 and BI should be manditory in this state. Way too many drivers are carrying the state required minimum PD & PIP coverage. No BI for when they send me to the hospital – ergo my high limits of UM coverage.
I just find it ironic that the same folks that rail against government socialized medicine are supporting pip. Its the same as requiring people to have health insurance except in this case its extremely expensive and only covers you in an auto accident.
And FHA (the lobbying group for Fla hospitals) loves PIP because it pays inflated rates and they can soak it all up. What really burns me up is hospitals have a greater right than the PIP policyholder when it comes to reserving benefits for wage loss. A hospital can get paid under pip even if its in the best interest of the pip insured to use health insurance and reserve the pip for wage loss. That sickens me. Where else can a third party have more rights than a first party insured?