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Lawmakers in Florida Take Steps to Change Car Insurance

May 05, 2020

FL- writes that changes could be coming to the Sunshine State’s automobile insurance laws. Currently, Florida requires that drivers carry insurance policies that include personal injury protection (PIP) coverage.*

PIP coverage is sometimes referred to as “no-fault” coverage because it pays up to a certain amount of medical bills to the driver even if that person was involved in a wreck that was their own fault. These policies also provide some assistance to injured drivers who miss work as a result of a crash. The coverage only pays 80 percent, though, and therefore, drivers who are not at fault for a crash end up frustrated when they have to pay for twenty percent of the cost of medical care. 

The proposed change would switch to mandatory coverage for bodily injury liability in amounts of at least $25,000 per person injured and $50,000 per accident. Under bodily injury liability policies, the at-fault driver will be the one to pay. A potential problem, though, is uninsured motorists. If the at-fault driver failed to acquire proper insurance, the injured party could end up with expenses and no way of collecting from the other motorist, unless they have uninsured motorist coverage, an optional coverage in Florida. 

Florida has more uninsured drivers than any other state with more than one in four motorists driving without coverage. The new law would first tap into the at-fault driver’s policy rather than the injured person’s policy. While making the driver who caused the crash responsible for the resulting bills makes sense, obvious problems can ensue if the driver who caused the crash has no insurance and no assets. It is important for drivers to make sure that their policies are protecting them, especially with more than 25 percent of other drivers on the road not complying with mandatory coverage laws. One way to do so is obtain a high amount of uninsured/underinsured motorist coverage

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Please Note:
Many of our blog articles discuss the law. All information provided about the law is very general in nature and should not be relied upon as legal advice. Every situation is different, and should be analyzed by a lawyer who can provide individualized advice based on the facts involved in your unique situation, and a consideration of all of the nuances of the statutes and case law that apply at the time.