PIP is damaged, but not the total
From air-conditioned seats for Global Positioning System navigation, cars again with more and more functions of each year. Soon, however, a feature that is not present, that much of Florida vehicles are insured. That’s when Dir Charlie Crist is not the invitation of lawmakers to extend back to Tallahassee Florida’s Personal Injury Protection mandatory law.
Without the intervention of the legislature, Florida’s PIP mandatory auto insurance law is the sunset, and by 1 October midnight, our country is still at only four others, absolutely no insurance to operate a motor vehicle . The result is a wild west of the increase in premiums for insured drivers, the courts clogged accident litigation and uninsured drivers do not have access to necessary medical care.
Since 4 million Floridians keep only the legal minimum insurance and nearly 1 million vehicles are already insured, we can reasonably assume that a troublingly high percentage of uninsured cars on our highways.
With nearly 20 percent of Floridians lacking health insurance, PIP is the only safety net that many motorists have, in the case of an accident. Without the obligation of coverage, be taken into account, without access to necessary medical treatment - a scenario that could have minor injuries living conditions.
What is more, without access to specialists or doctors of primary care physicians, uninsured drivers, to turn to emergency care after accident, constipation system of conduct and setting health care in all premiums board.
The stakes are high for insured motorists, as they would undoubtedly see increasing premiums to compensate for losses related to accidents involving uninsured drivers. The restoration of damages in an accident with an uninsured motorist should also potentially lengthy and costly litigation, drawing, claims to delay the process and perhaps necessary medical treatment.
While the elimination of PIP will be mandatory, bears a large consumer services in Florida that allow it to go further in its current form would even be harmful. Over the years, fraudsters have led to the exploitation of centres of false allegations and deceived the system for millions of dollars.
It is estimated that, nationally, insurance-fraud on all lines, not just automobiles, the average family costs about $ 1000 per year premiums. Fraud will not go away if PIP is allowed until sunset. Indeed, if the Colorado PIP eliminated, there was no decline in fraud, not only assured the driver and one of the major risks and costs on to consumers.
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