Senate Bill 54: A Florida bill That Would Repeal the No-Fault Car Insurance System

Senate Bill 54 is changing the way that we think about car insurance in the state of Florida. Under the current no-fault insurance program in Florida, all drivers are expected to take any personal injury protection insurance coverage. PIP insurance coverage allows motorists to file a claim with their own insurance company if they’re involved in an accident with another driver that is under-insured. PIP coverage remains a necessary factor for many drivers in the state of Florida as it provides a level of coverage and protection for any accident victim. Supporters of this insurance suggest that it remains a requirement to manage health care costs.  No-fault insurance coverage is currently set at any minimum of $10,000 in the state of Florida which can provide some relief and compensation and reduce burdens on the court system for personal injury suits.

Under SB 54 there would be a repeal of the no-fault insurance system. Lawmakers are interested in assigning liability to the parties that are at fault while eliminating the requirement to purchase PIP coverage. This can help to cut down on insurance rates across the state but also lead to the chance of greater difficulty in proving fault throughout accidents.

The notable change with SB 54 introduces a mandatory BI system which has differences when compared to the PIP system. A bodily injury system will protect you against claims made against you by others if you are found at fault for the accident. By introducing this type of insurance it reduces the load that individuals will have on their own insurance policies as long as they are not found at fault for an accident.

There’s no indication of which way things will go if the newest bill passes. We will be following this news closely and if you need assistance navigating your insurance coverage and compensation after an accident takes place, contact our attorneys today to learn more about your options.

This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claim attorney. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.

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