Changes to the PIP Law: The Fallout Begins

by Shapiro Goldman Babboni Fernandez & Walsh

Last year, we wrote about the effect the new personal injury protection (PIP) law would be likely to have on a number of key players:  insurance companies, law enforcement, Florida citizens, lawyers, and certain health care practitioners. Here is an update on the law.

Key provisions of the new PIP law

Let’s first remind ourselves of some of the most significant changes under the new PIP law:

Emergency medical condition. In order to receive benefits worth the maximum of $10,000, you need to receive a determination from a physician, dentist, physician’s assistant or registered nurse practitioner within 14 days of the accident, stating that your condition was a medical emergency. This condition exists if failure to receive medical care would lead to serious jeopardy to your health, serious organ dysfunction, or serious impairment of your bodily functions. The reduced level of $2,500 in personal injury benefits is available for lesser medical conditions.

  • Long form accident report. In every case of an auto accident causing death, injury or pain, involving a commercial vehicle, or requiring the use of a tow truck, law enforcement officers are required to file a long form accident report.
  • Reduction in insurance company billing. Insurance companies were required to reduce their billing for PIP by 10 percent from October 2012 and by 25 percent in 2014.
  • Massage and acupuncture. Massage therapists and acupuncturists do not qualify as PIP providers, and cannot receive payment for treating people injured in auto accidents.
  • Chiropractors. The law recognizes chiropractors as PIP providers, but cannot certify a patient as having an emergency medical condition.

Is the new law unconstitutional?

Responding to a legal challenge against the new law brought by massage therapists, acupuncturists and chiropractors, a judge suspended parts of the new law through a temporary injunction. The lawsuit focused on the fact that the first two types of practitioners are no longer able to receive payment for treating auto accident victims, while chiropractors are not empowered to certify an emergency medical condition, reducing the amount they can bill to $2,500.

The judge ruled that the new requirement for an auto accident victim to be in an emergency medical condition before being able to claim their full personal injury protection is a restriction on the constitutional right of access to court. The judge added that the changes to the PIP law make it no longer a reasonable alternative to a tort-based system.

Have insurance premiums fallen?

A key aim for the new law is the reduction in the number of fraudulent insurance claims, thereby reducing the cost of insurance. Although the law requires insurers to reduce their billings, it also provides the right for insurers to petition for exclusion from the requirement. Empirical evidence shows that auto insurance rates have not fallen since the new law began, and in many cases have gone up.

Posted in Personal Injury

Tagged auto accident attorney, personal injury protection law, PIP law

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

© Shapiro Goldman Babboni Fernandez & Walsh | Attorney Advertising

Written by:

Shapiro Goldman Babboni Fernandez & Walsh

Shapiro Goldman Babboni Fernandez & Walsh on:

Readers' Choice 2017
Reporters on Deadline

"My best business intelligence, in one easy email…"

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra:
Sign up using*

Already signed up? Log in here

*By using the service, you signify your acceptance of JD Supra's Privacy Policy.
Privacy Policy (Updated: October 8, 2015):

JD Supra provides users with access to its legal industry publishing services (the "Service") through its website (the "Website") as well as through other sources. Our policies with regard to data collection and use of personal information of users of the Service, regardless of the manner in which users access the Service, and visitors to the Website are set forth in this statement ("Policy"). By using the Service, you signify your acceptance of this Policy.

Information Collection and Use by JD Supra

JD Supra collects users' names, companies, titles, e-mail address and industry. JD Supra also tracks the pages that users visit, logs IP addresses and aggregates non-personally identifiable user data and browser type. This data is gathered using cookies and other technologies.

The information and data collected is used to authenticate users and to send notifications relating to the Service, including email alerts to which users have subscribed; to manage the Service and Website, to improve the Service and to customize the user's experience. This information is also provided to the authors of the content to give them insight into their readership and help them to improve their content, so that it is most useful for our users.

JD Supra does not sell, rent or otherwise provide your details to third parties, other than to the authors of the content on JD Supra.

If you prefer not to enable cookies, you may change your browser settings to disable cookies; however, please note that rejecting cookies while visiting the Website may result in certain parts of the Website not operating correctly or as efficiently as if cookies were allowed.

Email Choice/Opt-out

Users who opt in to receive emails may choose to no longer receive e-mail updates and newsletters by selecting the "opt-out of future email" option in the email they receive from JD Supra or in their JD Supra account management screen.


JD Supra takes reasonable precautions to insure that user information is kept private. We restrict access to user information to those individuals who reasonably need access to perform their job functions, such as our third party email service, customer service personnel and technical staff. However, please note that no method of transmitting or storing data is completely secure and we cannot guarantee the security of user information. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of user information at any time.

If you have reason to believe that your interaction with us is no longer secure, you must immediately notify us of the problem by contacting us at In the unlikely event that we believe that the security of your user information in our possession or control may have been compromised, we may seek to notify you of that development and, if so, will endeavor to do so as promptly as practicable under the circumstances.

Sharing and Disclosure of Information JD Supra Collects

Except as otherwise described in this privacy statement, JD Supra will not disclose personal information to any third party unless we believe that disclosure is necessary to: (1) comply with applicable laws; (2) respond to governmental inquiries or requests; (3) comply with valid legal process; (4) protect the rights, privacy, safety or property of JD Supra, users of the Service, Website visitors or the public; (5) permit us to pursue available remedies or limit the damages that we may sustain; and (6) enforce our Terms & Conditions of Use.

In the event there is a change in the corporate structure of JD Supra such as, but not limited to, merger, consolidation, sale, liquidation or transfer of substantial assets, JD Supra may, in its sole discretion, transfer, sell or assign information collected on and through the Service to one or more affiliated or unaffiliated third parties.

Links to Other Websites

This Website and the Service may contain links to other websites. The operator of such other websites may collect information about you, including through cookies or other technologies. If you are using the Service through the Website and link to another site, you will leave the Website and this Policy will not apply to your use of and activity on those other sites. We encourage you to read the legal notices posted on those sites, including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, such other sites. This Policy applies solely to the information collected in connection with your use of this Website and does not apply to any practices conducted offline or in connection with any other websites.

Changes in Our Privacy Policy

We reserve the right to change this Policy at any time. Please refer to the date at the top of this page to determine when this Policy was last revised. Any changes to our privacy policy will become effective upon posting of the revised policy on the Website. By continuing to use the Service or Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using the Service or the Website.

Contacting JD Supra

If you have any questions about this privacy statement, the practices of this site, your dealings with this Web site, or if you would like to change any of the information you have provided to us, please contact us at:

- hide
*With LinkedIn, you don't need to create a separate login to manage your free JD Supra account, and we can make suggestions based on your needs and interests. We will not post anything on LinkedIn in your name. Or, sign up using your email address.