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FL H0895
Bill
Status
Introduced
12/10/2019
Primary Sponsor
Commerce Committee
Click for details
AI Summary
- Amends civil remedy notice procedures requiring insurers to file email addresses with the Department of Financial Services, with the 60-day response period beginning when the insurer confirms receipt via email
- Creates a good faith duty for insureds, claimants, and their representatives when furnishing claim information, making demands, and setting deadlines; failure to cooperate with insurer investigations becomes a defense against bad faith claims
- Limits insurer liability to third-party claimants when policy limits are offered to single claimants, or when interpleader actions are filed within 90 days for multiple claimants exceeding policy limits
- Revises PIP (personal injury protection) medical charge limits to 200% of Medicare rates for emergency hospital services and physician services, replacing the previous standard of 75% of usual and customary charges
- Requires pre-suit demand letters in PIP cases to include itemized statements with CPT codes, amounts charged and paid, and specific identification of disputed line items; non-compliant notices or improperly filed actions entitle insurers to recover legal fees and costs
Legislative Description
Insurance
Last Action
Died on Calendar
3/14/2020
Committee Referrals
Commerce Committee2/20/2020
Appropriations2/3/2020
Insurance And Banking Subcommittee12/12/2019
Full Bill Text
No bill text available