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Insurance Consumer Advocate

Sha'Ron James

Contact Us
Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308

For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services

Online at
Consumer Services
Toll-free in Florida
Out of State
(850) 413-3089
(850) 413-3033

Public Records Requests

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Personal Injury Protection (PIP) Working Group

Florida Motor Vehicle No-Fault Law requires registered owners and drivers to maintain Personal Injury Protection (PIP) coverage and it is intended to hold down medical expenses for minor injuries sustained in a motor vehicle crash without regard to fault. It is also intended to curb litigation costs for minor injuries and non-economic damages. However, in recent years fraud has so permeated this coverage that the initial value of such a system is, at best, diluted and now threatens to be prohibitively expensive for Floridians.

Florida’s Insurance Consumer Advocate, Robin Westcott has assembled a working group to develop a policy paper that will formalize the discussion regarding Personal Injury Protection reform. The working group’s goal is to formulate a well-documented report that can be used by both Legislators and others to formulate good policy direction for this matter. It is anticipated that the working group’s report will be completed by November 2011.


Robin Smith Westcott, Esq.
Insurance Consumer Advocate

Staff Support

Telephone: 850/413-2970

Location: Office of the Florida Insurance Consumer Advocate
Lower Level 22, The Capitol
Mailing: 200 East Gaines Street, Tallahassee, FL 32399-0308

Personal Injury Protection Working Group Report

March 1, 2012, Report Update Provided to the Legislature

PIP Working Group Participants

PIP Survey

PIP Working Group Meeting Dates

Thursday, September 15, 2011, 9:00 a.m. – 4:00 p.m.  Agenda  Meeting Materials Video: Part 1 - Part 2

Monday, September 26, 2011, 9:00 a.m. – 4:00 p.m.  Agenda  Presentations
Other Meeting Materials  Video: Part 1 - Part 2

Monday, October 10, 2011, 9:00 a.m. – 4:00 p.m.   Agenda  Presentations/Meeting Materials

Presentation to the Cabinet

Florida Motor Vehicle No-Fault Insurance Cabinet Presentation, Nov. 1, 2011

Research Materials and Recommendations

Letter to the Industry

Press Releases/In the News

Lakeland Ledger: Scott Wants Change in Florida's No-Fault Insurance Program 11/3/2011

Palm Beach Post: PIP reform in Florida looks challenging, even as Scott, Atwater urge its passage 11/16/2011

Naples News: Insurance issues resurface 11/13/2011

WFSU State News: Lawmakers to tackle PIP fraud in upcoming session 11/11/2011

St. Petersburg Times: Governor says he'll look to Hillsborough for crackdown on auto insurance fraud 11/10/2011

News Service of Florida: Cabinet Hears PIP Woes, No Solutions 11/3/2011

Sunshine State News: Fraud, Massage Therapy Driving Up No-Fault Coverage 11/2/2011

Florida Tribune: Atwater wants insurers to divulge more information about claims 11/2/2011

Sun Sentinel: Florida leaders demand insurers fork over fraud data 11/2/2011

Miami Herald: Scott, Cabinet get lots of bad insurance news 11/2/2011

Orlando Sentinel: Florida officials blast personal-injury protection auto insurance 'fraud tax' 11/2/2011

Associated Press: Gov. Scott, Cabinet hear horror stories on PIP 11/2/2011

Sun-Sentinel: Citizens or private insurers? 11/2/2011

Florida Tribune: Final PIP report won't be finished in time for Gov. Scott and Cabinet 10/31/2011

Florida Tribune: Insurers float plan to whack attorneys fees and license health care clinics 10/27/2011

Florida Tribune: PIP workgroup to release its report on Tuesday 10/26/2011

The South Florida Sun Sentinel: Auto insurance fraud meetings in South Florida and Tallahassee 10/10/2011

West Orlando News: Are Massage Therapists Gaming the System? 9/26/2011

Florida Tribune: PIP's cap set in 1979 is far below 2011 realities, insurance industry says 9/26/2011

Tampa Tribune: Florida bar targets 1-800-ASK-GARY service 9/23/2011

Claims Journal: Florida Set to Tackle PIP Auto Insurance Reform Again 9/16/2011

Florida Tribune: Group urged to take a "rough" look at Florida's no-fault auto insurance law 9/15/2011

Best Week: State Farm, Allstate Representatives Named to PIP-Fraud Working Group in Florida 9/12/2011

The Florida Tribune: PIP workgroup members named 9/8/2011

Best Week: McCarty: Florida Eyeing Ending PIP System Because of 'Vexing' Fraud and Abuse 9/6/2011

The Florida Tribune: Consumer advocate releases list of those asked to serve on auto insurance panel 8/29/2011

The Tampa Tribune: Scott, Atwater look to fix or kill no-fault auto insurance 8/21/2011

Press Release: Press Release: Insurance Consumer Advocate Creates PIP Working Group 8/11/2011