Personal Injury Protection
(PIP)
for Auto Insurance
Florida is one of ten
states that have personal
injury protection (no fault)
auto insurance. The
intention was to provide
injured drivers up to
$10,000 in immediate medical
coverage in lieu of
establishing fault through
the court system. The goal
was to reduce payment delay
for injured drivers, as well
as limit the utilization of
the court system. In
Florida, PIP coverage is
required to be purchased by
all owners of motor vehicles
registered in this state.
PIP coverage makes the
individual responsible for
their own injuries in an
accident regardless of
fault.
In recent years, the
number of drivers and auto
accidents has remained
relatively constant, but the
amount of PIP claims, and
PIP payments has
skyrocketed. The National
Insurance Crime Bureau lists
Florida as having several
cities reporting the highest
amount of “questionable
claims” nationally. While
PIP premium represents
roughly two percent of
Florida’s collected
insurance premium, this
issue accounts for nearly 50
percent of fraud referrals.
In 2012, the State of
Florida passed
HB 119 – Personal Injury
Protection (PIP) for Auto
Insurance Fraud to
address this issue by
reducing PIP fraud, and
passing these savings to
consumers
Court
Case:
November 15, 2012:
Notice of Voluntary
Dismissal
December 12, 2012: Order
Denying Preliminary
Injunction
March 18, 2013: Order
Granting in Part Motion for
Temporary Injunction
March 21, 2013:
Defendant's Notice of Appeal
of Non-Final Order and
Notice of Automatic Stay
April 10, 2013: Order to
Show Cause on Jurisdiction
April 17, 2013: Order
Granting Motion to Vacate
Automatic Stay
April 19, 2013:
Commissioner McCarty's
Response to Order to Show
Cause
April 19, 2013: Motion
for Review of Order Vacating
Automatic Stay, and Request
for Expedited Treatment
April 25, 2013: Order
Discharging the Show Cause
May 6, 2013: Appellant's
Initial Brief
May 6, 2013: Appellee's
Response to Order to Show
Cause Why Appellant's Motion
for Review of Order Vacating
Automatic Stay and Request
for Expedited Treatment
Should Not Be Granted
May 10, 2013:
Affirmation of the Order
Lifting the Stay and
Expedition of the Case
News
Releases:
October 9, 2012: Office
Provides Update on PIP
Filings
October 1, 2012:
Office Receives Numerous
Insurer PIP Filings to
Comply with HB 119
August 21, 2012: Office
Releases Final Actuarial
Study on Indicated Savings
from HB 119
May 4, 2012: Office
Statement from Florida
Insurance Commissioner on
Signing of HB 119 (PIP) Bill
March 2, 2012: Office
Releases 2011 Financial PIP
Premium
January 27, 2012:
Commissioner Releases
Letter-to-Editor on PIP
Fraud
PIP Informational
Resources:
Approved PIP Filings
(May 2, 2013)
March 25, 2013:
Informational Memorandum
OIR-B1-1149 Notification of
Person Injury Protection
Benefits
March 25, 2013:
Informational Memorandum
OIR-B1-1809 on the
Healthcare Provider
Certification of Eligibility
for PIP Benefits
January 1, 2013:
Informational Memorandum
OIR-B1-1149 on the
Notification of Personal
Injury Protection Benefits
January 1, 2013:
Emergency Notification of
Personal Injury Protection
Benefits - Read
Rule 69OER12 for
additional information
November 6, 2012:
Informational Memorandum
OIR-12-06M on the
application of the provision
related to the Medicare fee
schedule in Personal Injury
Protection ("PIP") Insurance
August 20, 2012: Impact
Analysis of HB 119 (Pinnacle
Actuarial Resources, Inc.)
May 4, 2012:
Informational Memorandum
OIR-12-2M on filings for HB
119
August 2011: Cabinet
Presentation on Personal
Injury Protection
April 11, 2011: OIR PIP
Data Call Results
September 2000: Grand
Jury Report on PIP provided
by the Attorney General's
Office
Other Resources:
Governor’s Website on
PIP
Department of Financial
Services – Division of Fraud
Department of Highway
Safety and Motor Vehicles –
Protect Against Staged
Crashes