PIP insurance needs fixing

Florida's auto insurance system is on the brink of a crisis. The nearly $ 1,500-per-year premium state residents pay, already among the highest in the southeast, has continued to rise as insurance rates have declined in some other states.

Areas with more crime and more crash has seen even faster growth. Tampa residents, for example, may see their bills go up by $ 300 or more this year alone. (There, typical policies run almost $ 2500 a year.)

By all appearances, fraud and abuse have increased statewide, like vehicle crashes and overall crime has fallen. More than a few vehicle insurance companies are considering leaving the state, and if they do, the vehicle insurance may be difficult to get in some areas.

Many of the problems, it appears from the way the state handles a type of mandatory insurance coverage called Personal Injury Protection (PIP). Since it will meet its 2012 session, Florida legislators have to make some reforms to the PIP, but while it does, it also should try to solve the problems with the system rather than trying to start over from scratch.

Some background first: Like 11 other states, Florida requires all auto insurance policies to include "no fault" coverage. This means that when an insurance claim falls below $ 10,000, people who suffer injury file a claim against their own insurance instead of waiting while a person decides who was at fault. (Other claims also can be handled on a no-fault basis, although they are much more likely to end up in court.)

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