As of October 5, 2007 the Florida Legislature has passed a bill to reform Florida’s Motor Vehicle No-Fault Law. After the reform legislation is signed by Governor Christ it will still be a few months before the new reforms will take effect. As of January 1, 2008, New Year's Day, the requirement that Florida motorists buy Personal Injury Protection (PIP) will be re-imposed.

Through the end of 2007, however, you may be financially liable for automobile accidents if you are the at-fault driver. Or, you may find yourself in an accident with another driver who is unable to pay your medical bills. It is essential that you get with your insurance agent to review your insurance policies and purchase adequate coverage in the event of an accident.

According to the Florida insurance regulator until January anyone who already has PIP coverage will keep it unless his or her policy expires. Even if your policy does expire you should be able to keep PIP if you advise your agent that you want to do so since as of January 1, 2008 it will once again be required. Thus yes, for your own convenience you should be able to carry PIP during the next 3 months even though it is not required by FL law.

If you do not also have bodily injury liability as part of your Florida car insurance coverages you may want to add it, especially until PIP is reinstated. Since PIP is not back in effect until January 2008 accidents with injuries will be complicated. The state though has said that if 2 drivers are in an accident and both have no-fault (PIP) coverages then medical expenses will be taken care of as they previous have been, through your own PIP policy.

However if one or both drivers in an auto accident do not have PIP as part of their auto insurance coverage then the at fault driver can be sued for a bodily injury claim, thus if you have BI coverage it should cover the person's injuries so that you would not personally be sued.