The fraud claim used as a pretext to get rid of no fault is just boiler plate imo. Insurance adjusters and their lawyers and doctors almost always say, "he doesn't look injured to me," or "that's an old injury." Who bothers to file a fraudulent medical claim for acute treatment? Chiropractors? Physical therapists?
A large number of Florida drivers are uninsured at any one time, or carrying the minimum coverage. We'll see what alternatives the insurers provide to their policy holders other than having to file a lawsuit to get damages of any kind. It looks like there is a medical payments option.
I'm not a lawyer. This is not intended as legal advice, just casual observation. Anytime repukes suggest changing the insurance rules, I'm suspicious. Insurance companies pretty much control the state government. They saved money with no fault until they didn't. I'm sure many judges got sick of their petty PIP suits taking up valuable court time and burned them when they refuse to settle. No one wants to take up court time with a ten grand or less lawsuit. except an insurer.
Is a beneficiary in anything but an adversarial relationship with an insurer when they submit a claim? It's the nature of the beast. Open to hear other opinions on this though, because I haven't observed any auto claims in a long time. We'll see how this turns out. I'm sure the premiums will go up and the barriers to claims will be greater.
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