People who like to discover loopholes in new legislation typically wait for the ink to dry on the governor's signature before wrangling through the holes. But there is no such decorum in Florida 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 advertising ways to circumvent the intent of the bill's provisions. Is this the first clue that reform of no-fault—also known as personal injury protection (PIP)—is doomed? Hopefully not. Yet, it is certainly not a clean launch to reforms intended to stem the PIP abuse that is blamed for deteriorating loss trends and rising insurance premiums.
On the last day of the legislative session, Florida lawmakers passed a bill to make changes to PIP to fight the fraud associated with staged accidents and abuses of the $10,000 mandated PIP benefit, a pot of gold being dipped into through illegal or improper medical billing and an ever-rising number of lawsuits.
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