"To simply allow no-fault to fade into the sunset would be irresponsible. Florida highways are dangerous enough already." This is the last sentence of an article in The Ledger, but the most important.
If we sit and do nothing, the insurance companies will walk over us again! It's time to call or email your State Representatives and Governor.
Come October 1st, Florida highways will become traps that can devastate a family. That's the day Florida's requirement that motorist carry Personal Injury Protection (PIP), aka "no fault automobile insurance" expires.
If you think the courtrooms are too crowded now, just wait and see. The end of mandatory no-fault will almost certainly mean an explosion of traffic-litigation litigation. Right now, someone who is minimally injured in a car accident does not have to sue the at-fault drivers for payment of medical expenses because their PIP coverage pays the medical expenses and lost wages. However, if PIP expires, the only way to get reimbursed for medical expenses and lost wages is by filing a lawsuit against the at-fault driver. Sure, that may be beneficial to personal injury attorneys like myself, but it is not good for Florida!
In addition, Florida's emergency rooms and trauma centers are going to be left in financial crisis. Last year, 115,000 people were treated for automobile accidents in ER rooms and trauma centers. 40% of them carried no health insurance. But, thanks to PIP coverage, hospitals were paid for the treatment they provided to car accident victims. If those payments go away, hospital are going to have two choices: (1) Write off uninsured car accident victims as "charity" care or (2) find ways to pass the costs of that care onto those who are insured. What do you think they are going to do?
This issue must be on the agenda for the upcoming Florida Special Session. Fix it or extend it, but don't eliminate it! If we do nothing and the PIP is eliminated, it is going to have traumatic effect on thousands of Florida families!
Contact Governor Crist today and tell him to force the issue on the Special Session. You can send him an email by clicking here. You also need to tell your Legislators that you do NOT want the No-Fault law to expire. Click here and go to the "Find Your Legislator" box on the bottom right hand corner of the screen to email your legislator.
Insurance companies want this law to expire--not for your best interest, but for theirs!!