SB 1766 Summary

• Repeals Florida's Personal Injury Protection (PIP) no-fault insurance law effective January 1, 2018, and replaces it with mandatory medical payments coverage of at least $5,000 per person in motor vehicle liability insurance policies.

• Increases minimum liability insurance requirements phased over time: $20,000/$40,000 bodily injury and $10,000 property damage (2018-2019), escalating to $30,000/$60,000 bodily injury by 2022.

• Establishes detailed requirements for medical payments coverage including provider qualifications, billing procedures, payment timelines (30 days), rate limits based on Medicare schedules, and prohibition on deductibles.

• Creates enforcement mechanisms including penalties for late payment with interest, fraud investigation procedures, and civil remedies for policyholders, while restricting attorney fees to prevent contingency multipliers.

• Requires disclosure and informed consent forms from medical providers, establishes clinic licensing requirements for reimbursement, and implements protections against provider fraud and improper billing practices like upcoding.