jump to main menu jump to subject menu jump to content jump to footer

Insurance Consumer Advocate


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

design placeholder only

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

DATE Materials Video
Thursday, September 15, 2011, 9:00 a.m. – 4:00 p.m.
Monday, September 26, 2011, 9:00 a.m. – 4:00 p.m.
Monday, October 10, 2011, 9:00 a.m. – 4:00 p.m.  


Presentation to the Cabinet


Research Materials and Recommendations


News Articles and Press Releases

05/08/2012 New PIP will reduce insurance rates Jeff Atwater - Miami Herald
05/08/2012 Reforming Reform: Fixing No-Fault Insurance Susan Ladika - NAIC Newswire
05/08/2012 Mending a Broken System Jeff Atwater - Tampa Tribune
11/16/2011 PIP reform in Florida looks challenging, even as Scott, Atwater urge its passage John Kennedy - Palm Beach Post
11/16/2011 Scott Wants Change in Florida's No-Fault Insurance Program Lloyd Dunkelberger - Lakeland Ledger
11/13/2011 Insurance issues resurface Michael Peltier - Naples News
11/11/2011 Lawmakers to tackle PIP fraud in upcoming session Tom Flanagan - WFSU State News
11/10/2011 Governor says he'll look to Hillsborough for crackdown on auto insurance fraud Marissa Lang - St. Petersburg Times
11/10/2011 Letter to the Industry Office of the Insurance Consumer Advocate
11/03/2011 Cabinet Hears PIP Woes, No Solutions Michael Peltier - News Service of Florida
11/02/2011 Fraud, Massage Therapy Driving Up No-Fault Coverage Jim Turner - Sunshine State News
11/02/2011 Atwater wants insurers to divulge more information about claims Christine Jordan Sexton - Florida Tribune
11/02/2011 Florida leaders demand insurers fork over fraud data Julie Patel - Sun Sentinel
11/02/2011 Scott, Cabinet get lots of bad insurance news Steve Bousquet - Miami Herald
11/02/2011 Florida officials blast personal-injury protection auto insurance 'fraud tax' Aaron Deslatte - Orlando Sentinel
11/02/2011 Gov. Scott, Cabinet hear horror stories on PIP Associated Press
11/02/2011 Citizens or private insurers? Julie Patel - Sun Sentinel
10/31/2011 Final PIP report won't be finished in time for Gov. Scott and Cabinet Christine Jordan Sexton - Florida Tribune
10/27/2011 Insurers float plan to whack attorneys fees and license health care clinics Christine Jordan Sexton - Florida Tribune
10/26/2011 PIP workgroup to release its report on Tuesday Christine Jordan Sexton - Florida Tribune
10/10/2011 Auto insurance fraud meetings in South Florida and Tallahassee Julie Patel - Sun Sentinel
9/26/2011 Are Massage Therapists Gaming the System? Michael Peltier - West Orlando News
09/26/2011 PIP's cap set in 1979 is far below 2011 realities, insurance industry says Christine Jordan Sexton - Florida Tribune
09/23/2011 Florida bar targets 1-800-ASK-GARY service Michael Sasso - Tampa Tribune
09/16/2011 Florida Set to Tackle PIP Auto Insurance Reform Again Michael Adams - Claims Journal
09/15/2011 Group urged to take a "rough" look at Florida's no-fault auto insurance law Christine Jordan Sexton - Florida Tribune
09/12/2011 State Farm, Allstate Representatives Named to PIP-Fraud Working Group in Florida Diana Rosenberg - BestWeek
09/08/2011 PIP workgroup members named Florida Tribune
09/06/2011 Study: Limiting auto insurance would cost jobs Dawson Bell - Detroit Free Press Lansing Bureau
09/06/2011 McCarty: Florida Eyeing Ending PIP System Because of 'Vexing' Fraud and Abuse Diana Rosenberg - BestWeek
08/29/2011 Consumer advocate releases list of those asked to serve on auto insurance panel Christine Jordan Sexton - Florida Tribune
08/21/2011 Scott, Atwater look to fix or kill no-fault auto insurance Catherine Whittenburg - Tampa Tribune
08/16/2011 Moody’s: N.J. Proposed PIP Reforms Positive for Insurers Phil Gusman - Property Casualty 360
08/11/2011 Press Release: Insurance Consumer Advocate Creates PIP Working Group Office of the Insurance Consumer Advocate
08/07/2011 What the new car insurance rules mean for NJ Josh Lederman