Volume 4 Number 51
December 21, 2007


Since the Florida Legislature passed a bill to reform Florida’s Motor Vehicle No-Fault Law, citizens should know that Florida law will once again require drivers to carry personal injury protection insurance effective Jan. 1, 2008.

As part of the legislation restoring PIP coverage, insurance companies must notify policyholders how  the mandatory restoration of PIP/no-fault will impact them. The notice must clearly inform the policyholder on these points:

  • Beginning on Jan. 1, 2008, Florida law requires drivers to maintain PIP insurance coverage which pays covered medical expenses for injuries sustained in a motor vehicle crash by the policyholder, passengers, and relatives residing in the policyholder's household.
  • If a policyholder fails to maintain PIP coverage, the State of Florida may suspend the policyholder's driver license and vehicle registration.
  • If a policyholder already has personal injury protection coverage, the coverage will be amended effective January 1 to incorporate legally required changes without any additional premium and that the policyholder need take no further action.

Through the end of 2007, however, you may be financially liable for automobile accidents if you are the at-fault driver.  Or, you may find yourself in an accident with another driver who is unable to pay your medical bills.  It is essential that consumers review their insurance policies and purchase adequate coverage in the event of an accident.

If you need assistance, please contact your insurance agent or call our Consumer Helpline at 1-877-MyFLCFO.