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TALLAHASSEE, FLA.10/25/17-Sen. Jeff Brandes, R-St. Petersburg, chairs the Senate Appropriations Subcommittee on Criminal and Civil Justice, Wednesday at the Capitol in Tallahassee. COLIN HACKLEY PHOTO


‘PIP’ insurance repeal emerges in Senate

The bill seeks to end the no-fault system and personal injury coverage requirements.

A Senate Republican on Friday filed a proposal aimed at repealing Florida’s no-fault auto insurance system, an issue that has been repeatedly debated in recent years.

State Sen. Jeff Brandes, a St. Petersburg Republican, filed the proposal (SB 896) for consideration during the Legislative Session that starts March 5. It calls for eliminating the no-fault system and the requirement that motorists carry $10,000 in personal-injury protection, or PIP, coverage, as of Jan. 1, 2021.

The longstanding PIP requirement is designed to cover at least some medical bills after traffic accidents.

Under Brandes’ bill, motorists would be required to carry certain levels of bodily-injury and property-damage coverage.

Lawmakers in 2012 passed a package of changes — championed by then-Gov. Rick Scott and then-state Chief Financial Officer Jeff Atwater — that were considered a last-ditch effort to maintain the no-fault system, which critics said had become riddled with fraud. Since then, the House and Senate have considered a series of bills to eliminate the no-fault system, but a repeal has not passed.

The News Service of Florida provides journalists, lobbyists, government officials and other civic leaders with comprehensive, objective information about the activities of state government year-round.



  1. Theophilos Poulopoulos

    February 11, 2019 at 1:57 pm

    The past attempts at repealing PIP have failed for obvious reasons – PIP still swiftly pays hospital and medical provider bills. Why should medical providers wait months and sometimes even years to be paid out of a BI settlement (often at the mercy of the attorney) the money which they are owed for the services they provide their patients? This bill benefits one party only – the bodily injury trial attorneys. I wouldn’t be surprised if Brandes is backed by the FJA. And this is coming from someone who works for a large BI firm!

    PIP may not make sense in most states, but it does in Florida. And honestly, premium savings of $50/year is worth it? Worth not having your first $10k of medical bills covered WHETHER OR NOT you are at fault? I hope everyone can read between the lines. I am a PIP attorney and BI attorney and I can promise you one thing – getting rid of PIP is bad for the Florida people and great for someone like me – an attorney who would greatly profit from mandatory BI.

  2. Steve Greenberg

    February 11, 2019 at 11:26 pm

    Unfortunately there is no reason for any legislator to bering a bill such as this unless they are in with the auto insurance companies. This is has no beneficial value to anyone other than the insurance companies and is terrible for the citizens of Florida. Embarrassing, makes me regret voting Republican on the State level (I did vote for Rick Scott to get him out of Florida).

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