As you noted the Florida no-fault law for personal lines auto sunset Oct. 1, 2007 unless there is a last minute change by the FL legislature. The intent of a sunset is for drivers to keep their existing coverage until renewal.

Some insurance companies continue to provide your PIP benefits since the PIP insurance law ended and others won't offer PIP again until November 15, 2007. 

After Oct. 1 you should hold onto Personal Injury Protection (PIP). That is how the sunset of the law is intended to work.

There are a variety of reasons to keep PIP on your policy after the law no longer requires it on new policies. Dropping PIP midterm is not the intention of the sunset and may even hurt those who do it.

A driver who drops PIP during the sunset period will not have first-party coverage in the event of an accident with someone who carries Personal Injury Protection and Property Damage only. The sunset is a transition period for all drivers in Florida to become comfortable with life after PIP while they still have the coverage.

This period gives agents and their customers the time to discuss adding or adjusting other coverages for the next renewal while PIP is still covered.

More importantly, the new law that was signed to go into effect on January 1, 2008 states that in the interim if both drivers have PIP coverage then the accident will be handle under no-fault laws and not the tort laws.