Ft. Lauderdale Chiropractor Troy Lomasky Notes Florida Insurance Commissioner Kevin McCarty's Personal Injury Protection (PIP) Presentation at August 16 Florida Cabinet Meeting

Florida Insurance Commissioner Kevin McCarty made a presentation on Personal Injury Protection (known as PIP or No-Fault Insurance) to the Florida Cabinet this morning, August 16, 2011. He reviewed the various types of auto-related insurance coverages available in Florida and discussed the issue of statewide fraud.

To view his presentation, click here.

Type of auto insurance:

Liability – Coverage for all sums the insured is legally obligated to pay due to an
accident
• Bodily Injury (BI) – Provides coverage for death or serious and permanent injury to
others when you are legally liable for an accident involving your automobile.
• Medical Pay (Med Pay) – Provides coverage for medical treatment for the insured
or resident family member resulting from an auto accident, regardless of fault, as
well as any person occupying the covered auto.
• Personal Injury Protection (PIP) – Provides coverage for medical benefits, lost
wages and funeral benefits for insured or resident family member when injured in
their own vehicle, in someone else’s vehicle, as a pedestrian or as a bicyclist.
• Property Damage (PD) ‐ Coverage in the event that negligent acts or omissions of
an insured result in damage or destruction of another’s property.
• Uninsured Motorist (UM) – Coverage provided to the insured, resident family
members and any other person occupying the covered automobile for bodily
injury resulting from an accident involving an uninsured or underinsured driver.

Florida Governor Rick Scott Wants to Make Personal Protection Injury Coverage (PIP) Optional

From The Miami Herald's "Naked Politics" Blog on July 29, 2011:


Rick Scott:  Make PIP insurance coverage optional

Drivers should be able to choose whether they want personal injury protection as part of their auto insurance, Gov. Rick Scott told a Miami Spanish-language radio station Friday morning.

“We’ve got to pass a law that allows citizens the choice of what type of automobile insurance coverage they want,” Scott said on En Caliente (In the Heat), the popular morning show on WAQI-AM (710).

His response came to a question from co-host Ninoska Pérez-Castellón about what the state can do to lower auto insurance fraud, namely staged car accidents. Fraud would go down if drivers weren’t required to purchase policies with medical claims coverage, Scott said.

The state requires drivers to carry $10,000 worth of insurance so accident injuries are covered regardless of which driver causes the accident.

"If we allow the person who's going to buy the insurance to decide whether they want that insurance or not, then people won't buy it because that's too expensive and they don't need it," Scott said.

--PATRICIA MAZZEI AND JANET ZINK

Read more: http://miamiherald.typepad.com/nakedpolitics/2011/07/rick-scott-make-pip-insurance-coverage-optional.html#ixzz1TiVTWlw1

Broward County Chiropractor Dr. Troy Lomasky heads Coast Chiropractic of Wilton Manors, Florida. A graduate of the famed New York Chiropractic College, he specializes in quickly treating pain from a variety of conditions.  Services include:  Consultation, X-ray, spinal adjustments & massage therapy, physiotherapy, spinal decompression for disc problems; spinal and muscular rehabilitation.  New patients & same-day appointments available.   (954) 463-3036 or www.chiropractorwiltonmanors.com.  On-call for emergencies 24 hours.  Serving Broward, Miami-Dade and Palm Beach Counties.