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Insurance veto hurts drivers – Palm Beach Post

As we welcome our snowbirds from the north, we need to be aware of our increased vulnerability sharing the roads. Gov. Ron Desantis’ recent 11th hour veto will continue the state’s ancient “no-fault” personal injury protection (PIP) system and haunt Florida motorists.
The Florida Motor Vehicle No-Fault or Personal Injury Protection Law, ironically known as “full coverage,” only requires the bare naked minimum to share the roadway in Florida. As an attorney who has helped thousands of people injured in car wrecks and pedestrian accidents, in all 67 Florida counties, it’s clear the principles underlying no-fault insurance do not work in 2021.
Florida’s Personal Injury Protection insurance started in 1971, when Florida became only the second state to adopt a “no fault” automobile insurance plan. The plan was intended to counter the number of lawsuits for Florida accident claims by providing a “quick and efficient” means to compensate those injured in a wreck.
Simply put, the system was supposed to guarantee payment of medical expenses, lost wages and death benefits to a party, regardless of who was at fault. Instead, this system created more litigation.
Since 1991 I have represented people injured in car, trucks, bus, pedestrian, and bicycle crashes. I have seen thousands of cases litigated on the issues of whether or not the victim’s medical treatment was appropriate, adequate or related to the accident. This type of litigation is commonly referred to in Florida as a PIP suit. Florida PIP laws are governed by the Florida Motor Vehicle No-Fault Law.
The Florida House voted 99-11 to repeal Florida’s no-fault law and require every motorist to carry bodily injury coverage. The Florida Senate; likewise, overwhelmingly repealed the law. 
While our policymakers and legislators in 2021 were set on fixing Florida Automobile Liabilities Law, by making Bodily Injury and Uninsured Motorist Coverage mandatory, the Governor decided otherwise.
The Governor committed to Florida remaining as one of the few states in the country that does not require the mandatory purchase of bodily injury and uninsured motorist insurance coverage.  Unfortunately, the evils of this system result in personal bankruptcies, mental anguish, medical bills and lost wages. I fear this will remain the norm for failure to require mandatory bodily injury and uninsured motorist insurance. 
So the Governor’s action guarantees owners and operators of cars or trucks in Florida DO NOT have sufficient coverage to pay for the physical and financial damages that otherwise would be covered by mandatory Bodily Injury and Uninsured insurance to cover the harm caused victims of negligent or careless drivers.
Some of the No Fault Law makes no sense to me, as it provides no benefit to the injured and only increases revenue for hospitals and insurance companies.
Gary T. Iscoe, Esq., of the Iscoe Law Firm, is based in West Palm Beach.


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