FL S1860

Requires entities to obtain healthcare clinic licensure to receive personal injury protection (PIP) reimbursement, with specified exceptions for physician-owned practices, hospitals, and certain hospital-affiliated entities.

Establishes a direct-support organization called the "Automobile Insurance Fraud Strike Force" to prosecute, investigate, and prevent motor vehicle insurance fraud, governed by an 11-member board and operating under contract with the Division of Insurance Fraud.

Increases medical benefit caps and limits soft-tissue services to $2,000, distinguishes between initial and followup services with specific provider qualifications, adds physical therapists as authorized providers, and clarifies visit limitations.

Requires insurers to provide 30-day notice upon suspicion of fraud, create logs of PIP benefits paid, repay Medicaid when applicable, and restrict attorney fee awards with a presumption against contingency risk multipliers unless specific criteria are met.

Mandates a minimum 25 percent rate reduction for PIP insurance effective January 1, 2013, requires demand notices to include electronic mail as acceptable delivery method, and establishes that healthcare practitioners convicted of PIP-related insurance fraud lose licensure for 5 years and cannot receive PIP reimbursement for 10 years.