Takeaways from Tallahassee — No-fault frustration

No-fault frustration

After Gov. Ron DeSantis vetoed reforms to the auto insurance industry last year, advocates are making a big push to get mandatory bodily injury (MBI) coverage over the line this year. Among those advocates is the Florida Justice Association, again making no-fault repeal and MBI its top priority for Session.

Florida is one of only two states that doesn’t require MBI coverage. Additionally, Florida is a no-fault state and requires personal injury protection (PIP) coverage in auto policies.

FJA says those two points are significant contributors to why Florida has the third-highest auto insurance rates in the nation.

The Affordable Care Act has helped get more people health insurance than ever; PIP coverage has become redundant for 86% of Floridians, FJA argues.

Because MBI isn’t mandated, people often have to pay for their medical treatment after an accident from their health insurance or PIP policy. And because Florida is a no-fault state, it doesn’t matter if they or another driver caused the accident.

When you pull from your PIP policy, that means your premiums could go up, said FJA President Tiffany Faddis, who primarily practices auto negligence.

Ron DeSantis vetoed auto insurance reforms; Tiffany Faddis wants to make

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