Over the years there have been many attempts to fix, sunset or even repeal Florida’s no-fault system. The result has consistently been the same: Florida remains the most fraud-prone state in the nation with motorists paying some of the highest insurance premiums around.

This year, legislators have finally succeeded, passing a bill to repeal PIP (personal injury protection) while mandating bodily injury coverage. Provided there are no successful court challenges to overturn this, the law will be effective January 1, 2022.

Ailing Florida insurance industry