Free Insurance Quotes


Latest News

Lack of Car Insurance Liability Laws Cost Florida Drivers Cash

In Florida, the lack of car insurance liability laws is costing drivers cash. In fact, last year, the average family with two cars was charged almost $100 more for car insurance than the year before. The reason is the high level of fraud with PIP insurance, or personal injury protection, in the sunshine state. Fraudulent PIP claims are causing the insurance companies to charge even drivers with spotless driving records more and more in insurance premiums each year.

Legislation May Offer a Solution

State minimum car insurance details vary from state to state, and in Florida motorists are required to carry PIP insurance, but not bodily injury liability insurance. The root of the problem lies in the car insurance details: PIP coverage is no-fault coverage. This means that the insurance company pays out to cover the costs of a driver's injuries from a collision or other accident, no matter who is at fault. In contrast to car insurance liability claims, PIP claims do not involve an investigation into who was responsible for an accident – making it easy to file fraudulent PIP claims.

According to Governor Scott and Chief Financial Officer Atwater, the situation is costing honest, responsible Florida drivers too much and resulting in even more uninsured drivers because many people simply can't afford the high premiums. That's why some Florida lawmakers are looking to change legislation to make PIP coverage optional and bodily injury liability mandatory. However, others oppose the idea due to the amount of time usually required for litigation in car insurance liability cases.

Related Articles

Do I need to Personal Injury Protection (PIP) Coverage on my Auto Insurance Policy? 06/26/2013
Not everyone must buy personal injury protection, but it's certainly a beneficial addition to your auto insurance policy, should the coverage be provided in your area. Personal injury protection, o...

Read More →

Am I able to Change My Home or Auto Insurance Policies Mid-Term? 06/06/2013
As you searched for your current home or auto insurance policy, you probably did the "right thing" and compared prices before you settled on the policies which you bought. Now, you're mid-term with...

Read More →

Who is Covered by my Car Insurance if I am Not Driving? 05/25/2013
If your friend borrows your car while hers is in the shop, or if your son lets a friend drive the family car, the coverage for the vehicle will be provided by your insurance, in most cases. While e...

Read More →