Dear FloridaJolt Editor,
Florida car insurance rates are 50 percent higher than the national average thanks to our state’s legal environment. Florida’s personal injury protection (PIP) and assignment of benefits (AOB) laws incentivize attorneys to scam insurance companies out of millions of dollars each year while everyday Floridians unknowingly foot the bill.
This happens when auto service and medical providers collaborate with trial attorneys to bait vulnerable accident victims into forfeiting their legal right to file post-accident insurance claims, saying they will handle the “complicated” insurance process with a signed AOB contract.
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But instead of handling the process the right way, the providers inflate the true cost of the personal and vehicle damages in their claims. Then, when insurers justifiably dispute the claim, the providers sue and invite their pals, the trial lawyers, to join the party.
Sadly, Florida insurers are used to this and must incorporate expensive legal fees into the price of their insurance premiums. Furthermore, the threat of inflated damages often forces the insurance company to avoid risking a significant loss in court and settles with the trial attorneys.
Of course, after all, interested parties are unfairly compensated, the victim ultimately receives little benefit while their insurance premiums increase.
Jessie Broxton, Pensacola, FL
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