News & Updates

Personal Injury Protection

Florida Supreme Court Resolves PIP Deductible Debate

Florida Supreme Court Resolves PIP Deductible Debate

Just before the new year, the Florida Supreme Court released its opinion in Progressive Select Insurance Company v. Florida Hospital Medical Center resolving a split among Florida’s appellate courts about the proper application of the deductible in Personal Injury Protection (PIP) claims.  The underlying question related to whether the PIP deductible should be applied before […]

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Session Heads Into Final Week

Session Heads Into Final Week

The 2018 Florida legislative session is drawing to a close, barring any extensions or subsequent special sessions.  This year’s session has been unusual for issues outside of the typical annual cycles of budgets and other expected business.  The 2018 session began with a lot of attention directed to the range of relationships between legislators, staff […]

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Early Session Promises Fast Start to Year

Early Session Promises Fast Start to Year

The holidays are only recently behind us as this year’s legislative session gets underway.  Insurance-related issues might not be as prominent from a statewide perspective as in some prior years—  some pre-session lists didn’t include insurance topics among the top five or ten issues to be addressed.  Nonetheless, for members of the industry, the session […]

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PIP Repeal Effort Will be Among 2018 Highlights

PIP Repeal Effort Will be Among 2018 Highlights

For the auto insurance industry, the potential repeal of Florida’s Personal Injury Protection (PIP), or no-fault, system has become an annual debate.  The 2018 legislative session will be no different as both legislative chambers are set to take up the issue. The Florida House of Representatives has advanced a version of PIP repeal that does […]

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DFS Discusses Fees Charged by Agents

DFS Discusses Fees Charged by Agents

Questions regarding the permissible fees that a Florida agent may charge are among the most common we see.  Likewise, the Florida Department of Financial Services frequently receives questions from agents about the fees they may charge.  DFS recently published the following summary of fees that may be lawfully charged by a general lines agent: MVR […]

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Limitations on Agents’ Fees

Limitations on Agents’ Fees

The Florida Department of Financial Services from time to time takes enforcement actions against agents who charge unauthorized fees to policyholders.  In these situations, the agents typically are receiving their commissions from the insurers and separately are telling consumers they also must pay add-on charges by various names–  documents fees, notary fees, etc.  In a […]

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Office of Insurance Regulation to Study PIP Alternatives

Office of Insurance Regulation to Study PIP Alternatives

The Florida Office of Insurance Regulation has issued a request for proposals from firms interested in performing an analysis of alternatives to Florida’s Personal Injury Protection (PIP) laws.  The OIR intends to engage a firm this month, with a goal of presenting a final report to executive and legislative branch officials by September 2. The […]

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2015 Ends on a Storm-Free Note

2015 Ends on a Storm-Free Note

As 2015 comes to a close, several aspects of this year’s insurance market stand out.  Each year presents its share of successes and its share of challenges, which is expected in a cyclical industry.  However, on balance we will remember 2015 for its continued stability in several key insurance markets. In Florida, our view of […]

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