An overhaul of auto insurance regulations that was recently signed into law creates “haves and have-nots” with regard to coverage for medical expenses, and could prompt new litigation over the law’s effective date, an industry group said.

The new laws are seen by some as spurring a wave of litigation over which driver is at fault in auto accidents. But others welcomed the new laws for aiding lower-income motorists with recovery of unreimbursed medical costs from automobile injuries, while still containing costs by subjecting medical expenses in excess of a driver’s PIP policy limits to the state’s established medical fee schedules.

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