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Changes To Auto Insurance May Be On The Way:
As I indicated in my last newsletter, a bill pre-filed in the Florida Legislature, if passed, will eliminate PIP benefits altogether. The law increases the amount of bodily insurance coverage automobile owners are required to carry to $25,000 per person and $50,000 per accident.

Bodily injury insurance covers those injured as a result of another person's negligence. It does not cover you if you are injured by a careless, uninsured or under insured driver. It also doesn't cover you if you are the driver at fault.

There are other changes. First, a motorcycle is no longer excluded from the insurance requirements. Under the current law, a adult motorcyclist can ride without coverage as long as he or she wears a helmet. The current law defines a motor vehicle as having four or more wheels. The definition changes under the proposed law.

Another change is that the insurance company has no duty to defend uncovered claims. This could result in you paying for an attorney which under the existing law would have been provided to you by your insurance company if you are sued.

The law requires drivers who are in the state for more than 90 days to obtain the insurance. If passed, the law will also require an injured person to bring all claims for personal injuries in a single lawsuit. Under the existing law, a seperate action for uninsured motorist benefits can be filed.

I personally represent those injured in automobile and motorcycle accidents. Referrals are always appreciated.
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