Florida no-fault laws change on October 1, 2007. Please follow this link to learn about the current status of PIP in Florida.

Effective October 1, 2007, several sections of the Florida statutes, including,627.730, 627.731, 627.732, 627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403, and 627.7405, forming the Florida Motor Vehicle No-Fault Law, were repealed.

The 2007 legislative session ended without lawmakers extending Florida's no-fault / PIP auto insurance system. That means the No Fault law ended on October 1, 2007.

Lawmakers passed a new law that goes into effect on January 1, 2008.

Florida residents are not required to purchase Bodily Injury Liability. There is a catch though; if you get into an accident and you are not by the state not to be "Financially Responsible" then you have to carry Bodily Injury and file an SR22 to show proof.

Between October 1, 2007 and December 31, 2007 PIP is not required on every auto insurance policy in the state.

The new law effective January 1, 2008 will have fraud protections for insurance companies.

In the interim drivers should purchase PIP if they can. If all parties in an accident have PIP then the claim will fall under no-fault laws. Since drivers in Florida won't be required to carry PIP, it is recommended to purchase adequate Bodily Injury Liability coverage. Drivers that don't purchase PIP will need to review their health insurance policy to see what treatments are covered. Some medical insurers do not cover medical treatments associated with automobile accidents and other health insurers cap the number of physical therapy or chiropractic treatments.

You can contact the FL insurance regulator to find out what advice they are giving consumers on this topic.

The office of the insurance regulator for Florida already has available a tree chart for personal injury scenarios for post no-fault accidents (medical only) and a section entitled "Life Without No-Fault."