PIP was re-enacted effective January 1, 2008. The Florida Department of Financial Services, the insurance regulator for FL, has been answering questions regarding what motorist in Florida may want to do in regard for treating bodily injuries after the no-fault law sunsets as of October 1, 2007.

The FL Chief Financial Officer has information on what FL drivers choices will be if the no-fault laws do end. This office recommends that to make sure that you have coverage in case you sustain any injuries, you should consider purchasing optional medical payments coverage from your auto insurance company. Since PIP was re-enacted you should still be able to purchase Non-Statutory PIP between October 1, 2007 and January 1, 2008.

Optional medical payments coverage will pay for medical bills incurred by you, your family, and passengers in your car who are injured in an auto accident. Make sure you have Bodily Injury Liability. If you have already been responsible and purchased it, you may want to increase your bodily injury liability coverage (in case you injure another person and are at fault) and uninsured motorist coverage. Uninsured/Underinsured Motorist Bodily Injury is also now more important in Florida.

So, even though removing PIP may save you in the cost of PIP premiums, the cost of these coverages that many don't have, may cost consumers more. That is the reason many are advocating to lawmakers to keep the no-fault law in tact. 

If you do not obtain medical payments coverage nor have your own health insurance and were to be found at fault in an accident and were injured as a result of the accident, you would then be personally responsible for all medical treatment you obtained and are billed for.

If instead you were not at fault in an accident then you would obtain medical treatment as an uninsured (medically uninsured) and make a third party claim for damages from the at fault driver. If the third party claim is fully accepted by the at fault driver's motor vehicle liability insurer then you would seek a settlement for your medical expenses.

If the at fault party's insurance company did not fully accept your claim for bodily injuries then you would likely need to resolve your claim for medical expenses through litigation and the courts.