People who like to discover loopholes in new legislationtypically wait for the ink to dry on the governor's signaturebefore wrangling through the holes. But there is no such decorum inFlorida when it comes to pending no-fault auto insurance reforms

Florida Gov. Rick Scott had not even received HB-119 when an“enterprising” medical staffing company already began advertisingways to circumvent the intent of the bill's provisions. Is this thefirst clue that reform of no-fault—also known as personal injuryprotection (PIP)—is doomed? Hopefully not. Yet, it is certainly nota clean launch to reforms intended to stem the PIP abuse that isblamed for deteriorating loss trends and rising insurancepremiums.

On the last day of the legislative session, Florida lawmakerspassed a bill to make changes to PIP to fight the fraud associatedwith staged accidents and abuses of the $10,000 mandated PIPbenefit, a pot of gold being dipped into through illegal orimproper medical billing and an ever-rising number oflawsuits. 

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