Comments on: Florida Insurance Chief Raises Possibility Of Ending No-Fault System

By: Mark Ritchie

Mark Ritchie — Tue, 03 Nov 2015 13:01:56 +0000

The Medical re-imbursement is crazy . I was rear – ended , I had to be back boarded out of a full sized Cadillac , that was totaled by a commercial truck going 40 m.p.h. , while I was stopped at a red light . The cost for 1 M.R.I. was $11,400 , and just the gurney ride from the E.R. to the M.R.I. room was $800 . I now have 5 hits on my credit report , and over $30,000 in medical bills . The Insurance co. (Progressive )offered me $7000 to settle . this law is a joke . I called the hospital (Sacred Heart ) and asked for a quote to get the exact same M.R.I. and was quoted $2,400 . I wrote to the Fl. Atty. Generals office and asked if this was legal, and 7 weeks later I received a reply on what a complex issue this was . The Insurance lobby owns Florida

By: Bill

Bill — Sat, 31 Oct 2015 13:44:23 +0000

You folks much have State Farm to.

By: SAD

SAD — Fri, 30 Oct 2015 19:01:07 +0000

I agree with CW! $10,000 does not cover the initial ER visit & this is without an ambulance ride! I recently had to go to the ER (not due to a car accident) CT scan, blood work, 1 bag IV fluids, Dr wrote antibiotic script=$14,657!!! (Thank God I have great Insurance)!

I am very perplexed as to how you are punished for being the VICTIM of an accident & your insurance rates go up this high & you are required to to carry FAJUA Insurance? This goes right along with everything else in America, you follow the law, work to support yourself without any type of subsidy and it seems you are the one punished while the ones that do not work nor follow the laws are the ones rewarded? I’m not real sure how this country became so corrupt but just like Bob C said…follow the money!!! *someones usually ALWAYS getting their pockets padded for one reason or another! We could ONLY wish we would have a GREAT President elected in the near future but it would take them decades to clean up all the corruption that’s been allowed for YEARS!!! The wealthy become more wealthy while the middle class are barely getting by…SAD!!!!

@ Agent, maybe you can explain this one to us?

By: dman

dman — Fri, 30 Oct 2015 16:42:32 +0000

Pensacola has the worst drivers ever. I’ve traveled extensively across Europe, Canada and Mexico…and even in Mexico…people drive better. The Germans can handle an Autobahn because they actually have to prove themselves behind the wheel. And I don’t mean on a closed course driving 15 MPH.

By: john

john — Fri, 30 Oct 2015 10:51:37 +0000

@one who knows

I know just what you are dealing with. With Florida no-fault laws and insurance subsidies it keeps bad drivers on the road. Driving around P-cola there are plenty of idiots that we need to get off the road!!!

If you cause wrecks, let’s make it more expensive for you to drive to where you can’t afford it!

By: agent

agent — Thu, 29 Oct 2015 18:54:38 +0000

As an agent I will tell you that tag insurance (PIP and property Liability) is very popular in this state. Bodily Injury Liability should be added as a requirement.

By: SWD

SWD — Thu, 29 Oct 2015 15:57:55 +0000

The Florida legislature created the Florida No-Fault Law or personal injury protection (PIP) in the 1970s. More recently, since the late 1990s, PIP insurance fraud and medical abuse have become major issues and of concern for all Floridians. The fraud and abuse has historically caused insurance premiums to rise at an exponential rate. More recently, the PIP statute was amended in 2012 to get rising premiums under control, and to deal with the fraud and abuse. The new statute requires that any person claiming PIP coverage must seek treatment within 14 days of the accident. That puts that all claimants arising out of a motor vehicle accident on the radar. Then the insurance companies have opportunity to investigate the claim to include the use of an examination under oath, independent medical examinations, etc. That also deals with fraud and abuse. Otherwise, when the charges come in they are subject to the allowable amount under the applicable fee schedules, and are also subject to the Medicare coding and payment methodologies. All of the foregoing is essential to combat auto accident insurance fraud and medical abuse.

By: Bob C.

Bob C. — Thu, 29 Oct 2015 14:31:44 +0000

Follow the money….

By: One Who Knows

One Who Knows — Thu, 29 Oct 2015 11:53:59 +0000

Florida’s no fault insurance system is horrible. I have had no tickets in 20 years, however, as luck would have it, I have been rear ended 2 times in the 1 1/2 years and T-boned 1 time in the last 1/1/2 year. 3 accidents mind you, none of which I was at fault, ruptured discs in the neck, back, torn rotator cuff in the shoulder to included surgery and multiple injections. Under Floridas law, I am now required to carry to FAJUA insurance which shot my insurance premiums up from $1000 yearly for a truck and a boat to $5000 a year for just a truck, yes good people you read that right, $5000 yearly for just a truck, courtesy of negligent drivers and the good ole State of Florida. And let me repeat myself, I still have no tickets on my record, I was not charged in any accident, the other drivers were ticketed, I was the injured party, they kept their insurance with a modest increase in premium, while I was cancelled for filing PIP claims, and must carry this FAJUA insurance for the next 4 years. Thanks Florida No-Fault System.

By: cw

cw — Thu, 29 Oct 2015 09:43:04 +0000

We’ve had seven sessions on PIP. … A $10,000 benefit, really. Is it worth this amount?”

A “required” insurance that only pays $10,000 is useless. That will not even pay for emergency care at today’s medical rates.