She said under the present litigation system drivers are given the choice whether or not to include medical coverage because they may already have it under their insurance.

Florida lawmakers this year will consider Senate Bill 7094, which proposed major changes to the existing no-fault system, set to expire next year unless the legislature reenacts it.

David Reddick, regional manager for the National Association of Mutual Insurance Companies, said the industry is divided on the issue of the Florida no-fault law, “with most NAMIC member companies preferring to see it sunset.”

The proposed reenactment law would contain a provision that would list diagnostic tests deemed not medically necessary for use in treating persons sustaining bodily injury covered by personal injury protection benefits.

In addition, providers' attorney fees will not be recoverable if the provider did not accept a valid assignment of benefits.

Minnesota lawmakers will consider repeal or reform of the state's auto insurance no-fault law.

Steve Schneider, American Insurance Association regional vice president, said chief among the problems in the Minnesota no-fault system is the low $4,000 medical cost threshold for lawsuits. “This has created an incentive for unscrupulous medical providers and trial lawyers to exploit the system and go to court,” he said.

The legislation would also prohibit uninsured motorists from filing lawsuits in motor vehicle crash cases for things such as pain and suffering damages.

“It is unfair for an uninsured motorist, who is driving illegally, to sue someone and reap a financial windfall by collecting noneconomic damages,” Mr. Schneider said.