Potential Savings on PIP Insurance Coverage

TALLAHASSEE, Fla. (AP) -- Florida drivers looking to save money resulting from a new law designed to crack down on no-fault auto insurance fraud may have to look hard to find any significant savings.
Any potential savings coming on the personal injury protection portion of a policy is so slight that it is likely to be offset by increases in other parts of the coverage.
The new, tougher PIP law -- which actually took effect on July 1 -- caps benefits at $2,500 unless a doctor, osteopathic physician, dentist or a supervised physician's assistant or advanced registered nurse practitioner determines there's an "emergency medical condition." Chiropractors cannot make that determination.
A driver's insurance company was previously required to pay up to $10,000 for medical bills and lost wages no matter who was at fault.


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