A bill to switch Florida from a no-fault to at-fault auto insurance state — which backers said would end all personal injury protection or PIP claims and lawsuits — passed in the Florida Legislature April 30, the last day of the 2021 regular session.
SB 54 would also make it harder to sue insurance companies for bad faith. Backers, citing a 2016 state study, said it would lower rates for most Florida drivers by 5 to 6% — perhaps by 15% in some areas of the state — and might save even more.
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