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Florida's no-fault policies need some fixing to protect policyholders. Currently, under Florida’s pure comparative negligence doctrine, a person who is 99% at fault is still allowed to sue for damages. (Photo: PongMoji/Shutterstock)

Over the years, there have been many attempts to fix, sunset or even repeal Florida’s no-fault system. The result has consistently been the same: Florida remains the most fraud-prone state in the nation with motorists paying some of the highest insurance premiums around.

Last year, legislators finally succeeded, passing a bill to repeal PIP (personal injury protection) while mandating bodily injury coverage. This bill was vetoed by the governor. Now we are into 2022, and the no-fault insurance repeal re-emerges.

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