Gov. Scott signs off on big changes to Florida auto insurance

Tallahassee - Governor Rick Scott on Friday signed into law massive changes to the state auto insurance laws that he and lawmakers say they will eliminate fraud and reduce costs for motorists who do not have the objective of insurance that pays medical expenses in an accident regardless of fault .
"By helping to reduce fraudulent auto accident claims, the legislation will benefit from each pocket Florida family that drives a car," said Scott. "I am glad to do my part in maintaining the low cost of living in Florida, and I will continue working to find ways to do so."
The resulting changes in the personal injury protection (PIP) insurance range from restrictions on how quickly the injured person must seek treatment to create an organization to combat insurance fraud.
But how effective the new law will become a major issue for consumers and auto insurance.
"We hope that when the bill is fully implemented, consumers will realize savings," said Michael Carlson, President, but consumer advocates are concerned that there will simply be to reduce services without a corresponding reduction in premiums.
"This bill shifts the burden on victims of accidents, reduce consumer choices and leaves insurers with more ways to avoid paying legitimate claims," ​​said Bill Newton, executive director of a network of consumer organizations.
Here are details of the new law and how it affects Florida motorists:
Q: What are the main changes in the PIP law?
A: Drivers will continue to carry personal injury insurance, repayment ability, but I will limit the treatment in the event of an accident. They must seek treatment within 14-day window and only medical conditions require the full $ 10,000 worth of treatment compensates for PIP. The law also tightens licensing requirements for medical clinics that are trying to make their services paid by PIP.
Q: Can I see a chiropractor if I'm injured in an accident?
Yes, but nonemergency care will be paid only up to $ 2,500. Consumer advocates and trial lawyers said they are afraid to $ 2,500 is too low from the highest possible performance and do not respond adequately to care for physical problems such as back pain, which are not considered extraordinary circumstances.
Question: What law is classified as a state of disrepair?

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