In what would be a radical change to Florida’s Insurance coverage in motor vehicle accidents, state lawmakers are threatening to eliminate mandatory PIP coverage, otherwise known as Florida’s no-fault law.
The current no-fault law requires all drivers in the state to carry at least $10,000 in PIP coverage which pays for hospital and medical bills, as well as the lost wages of someone injured in a motor vehicle accident. This coverage applies regardless of fault. Lawmakers propose replacing the no-fault coverage with mandatory bodily injury coverage of $25,000 per person and $50,000 per accident. The medical bills previously recovered under the injured person’s own PIP policy would now have to be claimed against the bodily injury coverage of the person at fault for the accident. Insurance company representatives support the move claiming it will lower costs, while hospitals and medical providers oppose the measure worrying about long delays in getting paid.
Accident victims may be hurt the most if no-fault coverage is eliminated. Imagine a person is seriously hurt when their car is hit by another car that ran a red light. Under the current system at least some of their medical bills will be paid. Under the proposed system, they may have to wait to prove their case before ever being reimbursed for their medical expenses. Accident victims may also be denied necessary treatment when they can’t afford to lay out the money. Further, the bodily injury coverage that previously would have compensated the injured person for their pain and suffering will now have to also be expended to pay back medical liens.
If you were injured in a motor vehicle accident, the Law Offices of Cohn & Smith, P.A can pursue your claim to the appropriate insurance company for you to receive the compensation you are entitled.