A New Florida Law will Reduce the Number of Crash-Related Lawsuits


A new law in Florida seeks to reduce the number of crash-related lawsuits and to lower insurance rates. This law requires that insurance companies reduce personal injury protection (PIP) premiums at least 10 percent, and later 25 percent.

This law bars massage therapists and acupuncturists from treating patients under PIP by making it so that only people diagnosed with an “emergency medical condition” will be eligible for the full $10,000 PIP benefit, and only certified doctors and physicians will be authorized to make the determination. While medical professionals can still treat accident victims, they will be expected to perform the necessary treatments for $2,500 or less, limiting the services provided.

The law also seeks to reduce the number of PIP claims that end up in court, but it could create new areas of litigation as well since most lawsuits are filed because doctors disagree with insurance companies on how much they are owed. Once the law goes into effect, we should see adjustments being made by insurance companies.