Florida’s No Fault System

Florida's "no-fault" insurance system has created a monster in the Sunshine State. Florida remains one of the states with the highest rate of claims fraud clogging the court system. At the same time, Florida motorists are rated #4 for the highest insurance premiums in the nation. One of the reasons for this problem is a mandatory $10,000 PIP, or the personal injury protection clause required by the state. Currently there is legislation proposed that eliminates the $10,000 PIP in Florida. While eliminating the PIP in Florida is a good first step, the problem of claims fraud is much more complicated than that. Florida has been known as a state where the jury can get carried away with assigning widely inappropriate awards to people who have questionable injury claims. In addition,…
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