4. Personal Injury Protection: If PIP must be repealed, make sure reimbursement of emergency care is timely and protected like it currently is.
OPPOSE
HB 653 by Rep. Alvarez: Motor Vehicle Insurance
SB 464 by Sen. Grall/Rouson: Motor Vehicle Insurance
Repeals provisions, relating to application of Florida Motor Vehicle No-Fault Law.
Replacing Florida’s PIP system with a BI system could:
- Create a real battle of “who pays?” between insurers.
- Drive the cost of coverage up by 5.3%, or $67/year, for certain drivers.
- Cost shift $470 M towards private health insurers (which would get passed to consumers through higher health insurance premiums).
- Lead to even more personal injury auto claims from the end of “no fault” law.
PIP’s biggest asset is that it assures prompt payment to emergency physicians who provided mandatory care for injured motorists and especially uninsured motorists. If PIP must be repealed, we would support it under the following conditions:
- The $5,000 physician set aside language, key to assuring liens do not give hospitals priority access to Medical Payment funds. This language is included in this year’s bills.
NOTE:
Drivers should “opt out” in writing from the purchase of Medical Payments coverage. The language in this year’s bills is weaker, requiring a mandatory “offering” for the purchase of medical payments insurance coverage.
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