DEMAND AN END TO P.I.P. (PERSONAL INJURY PROTECTION)
- by: Susan Staley
- recipient: Insurance Commission of Florida
PIP has become the nightmare of insurance coverage. It does nothing but make the Insurance Companies richer and Florida Residents poorer. It not only does NOT stop Fraud, it actually encourages it and we are punished if we use it. If you have more than 1 P.I.P. Claim in 5 years, your policy may be canceled by your Company and no other Company will write your insurance. Your only choice, then, is to go with the Florida Joint Underwriters Association - a Florida Insurance Company that charges nearly 3 to 4 times what you would normally pay!
According to a January 18, 2015, article in the Palm Beach Post, Florida’s automobile insurance industry saved more than half a BILLION dollars in PIP claims in one year alone while the change in overall consumer bills has been close to zero. The article goes on to state that 16 of the top 25 insurers even RAISED rates since the “new” PIP law was passed. And despite the reforms for PIP setting an explicit 25% reduction in insurance rates, those insurers who actually have reduced rates only did so by an average of less than 14%.
P.I.P. has caused such an increase in premium that many people simply cannot afford to insure themselves and this has caused a huge problem for all Floridians because if you are actually injured in an accident caused by someone who can only afford State Required Coverage (PIP/Property Damage) and must rely on your PIP to pay your medical bills, you will be sorely disappointed due to all the restrictions placed on that coverage.
We need to do away with P.I.P. and have Bodily Injury/Property Damage made the mandatory, required insurance coverage! This would decrease our premiums (which means more can afford insurance and less uninsured drivers on the road) and increase our ability to recover, medically, if injured in an Accident. It will absolutely decrease the ability to commit Fraud! THIS is a "win-win" for everyone!
Dear Florida Insurance Commissioner. The time has come to end "P.I.P." and join the other States of this great Nation in making Bodily Injury and Property Damage the required coverage.
The insurance rates are becoming so expensive that many cannot afford insurance and are forced to drive without it.
P.I.P. is a complete sham and now matter how much you or the Insurance Companies endorse and amend to get rid of Fraud, it is, in fact, actually encouraging and creating fraud.
It was created to try to help those in need of medical assistance after an accident as a means of payment for medical services rendered but it does not and cannot do so. $8,000 cannot even pay the E.R. bill alone. It is a joke.
The restrictions do nothing more than allow the Insurance Companies to deny claims based on the flimsiest reasons.
We, the citizens of Florida, are now demanding an end to "P.I.P." and this Commission to enact Bodily Injury and Property Damage as the required Florida Coverage.
Insurance is necessary but it should not be a means of extortion against the people for a coverage that will not pay.
We cannot stop the fraud being committed 100% but we CAN stop the fraud being committed by Insurance. "P.I.P." is nothing more than a means to relieve consumers of hard earned cash that not only does not pay, but is used as a punitive measure by the Insurance Companies if it IS used in legitimate accidents.
By the signatures gathered here, we Floridians demand a stop to "P.I.P."!!!!
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