Florida PIP Vacation

Florida drivers were given a short recess from having to buy their own personal injury protection coverage as the state let its no-fault car insurance law expire on Oct. 1. But lawmakers then stepped in and decided to restart the law beginning Jan. 1. The debate over the PIP requirement focused attention on one of its shortcomings: the number of fake crashes and fake injuries it invites. Due to the fraud problem, some insurance companies lobbied to kill no-fault. But hospitals argued that without PIP lots of people wouldn’t have anyone to pay for their health care if they were in an accident. That means the hospitals would get stuck with the bill. They pushed for the system to be restored and prevailed.

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