Florida PIP Bill Heads to House Floor

NU Online News Service, Feb. 24. 01, 3:33 p.m. EST

The Florida House Economic Affairs Committee has advanced legislation to reform the state’s no-fault, personal injury protection program.

The bill, HB 119, now heads to the floor of the Florida House with just two weeks left in the state-legislative session. According to the Florida Insurance Council, the bill needs to be merged with a Senate package, SB 1860, which comes before the Senate Budget Committee next week.

The House bill replaces the mandatory PIP no-fault insurance coverage with “emergency care coverage.”

HB 119, among many things, would change accident reports are taken, provide coverage limits, establish a schedule of maximum charges, create a list of diagnostic tests deemed not to be medically necessary, and control attorneys’ fees.

To be eligible for medical care coverage benefits, victims of accidents must seek treatment within 72 hours of the accident.

Put the Brakes on Accident Fraud, a coalition ofFlorida consumers, business leaders, law enforcement and other says the measure is “a step in the right direction for cracking down on PIP fraud inFlorida.”

For years the insurance industry has alleged fraud by the state’s healthcare clinics, adding that organized staged-accident rings take advantage of holes in the system.

Gov. Rick Scott and state Chief Financial Officer Jeff Atwater have outlined four steps to reform the no-fault law, first enacted in the early 1970s, which requires drivers to have PIP that provides $10,000 in coverage per person for medical bills, regardless of fault in an accident.

Up to $10,000 of medical benefits remain available to people diagnosed with an emergency medical condition but the HB 119 limits reimbursement for non-emergency injuries.

Medical benefits of $1,500 are available to those who go to the emergency room and do not have a diagnosed emergency medical condition or to those who go to another medical doctor—such as a dentist, physician assistant, osteopathic physician or advanced registered nurse practitioner—in a timely manner.

Comments

Resource Center

View All »

Top 10 Legal Requirements for E-Signatures in Insurance

Want to make sure you’ve covered all your bases when adopting e-signatures? Learn how to...

Get $100 in leads with $0 down!

NetQuote's detailed, real-time leads have boosted sales for thousands of successful local agents across the...

The Growing Role of Excess & Surplus Lines in Today’s...

The excess and surplus market (E&S) provides coverage when standard insurance carriers cannot or will...

Increase Sales Conversion with this Complimentary White Paper

This whitepaper will share proven techniques - used by many of the industry's top producers...

D&O Policy Definitions: Don't Overlook These Critical Terms

Unlike other forms of insurance where standard policy language prevails, with D&O policies, even seemingly...

Environmental Risk: Lessons Learned from Willy Wonka and the Chocolate...

Whether it’s a chocolate factory or an industrial wastewater treatment facility, cleanup and impacts to...

More Data, Earlier: The Value of Incorporating Data and Analytics...

Incorporating more data earlier in claims lifecycles can help you reduce severity payments by 25%*...

How Many Of Your Clients Are At Risk Of Flood?

Every home is vulnerable to flooding. Learn four compelling reasons why discussing flood insurance with...

Gauging your Business Intelligence Analytics Capabilities and the Impact of...

Big Data, Data Lakes and Data Swamps, How to gauge your company's Big Data readiness....

Extending Contact Center Capabilities Across the Insurance Enterprise

Today advancements in technology are making a big impact on business and society. To yield...

Personal Lines Pro eNewsletter

Critical insights into the personal auto, homeowners, and other consumer insurance markets to help P&C professionals stay informed – FREE! Sign Up Now!

Advertisement. Closing in 15 seconds.