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This morning. House and Senate committees debated and passed bills that repeal Florida’s no fault auto insurance law.

House Bill 1063 by Rep. Erin Grall passed the Commerce Committee, its last committee of reference, by a vote of 22–5. It’s now headed to the floor so the full House of Representatives can debate and vote on the proposal. Senate Bill 1766 by Senator Tom Lee passed its first committee of reference, Banking and Insurance, by a vote of 8–1. 

The bills are very different at this point, BUT procedurally two steps closer to passage.

The House bill:

• Repeals PIP and replaces it with mandatory bodily injury with 25/50 limits.
• Effective January 1, 2018.

The Senate bill:

• Repeals PIP, effective January 1, 2018.
• Mandates medical payments coverage of $5,000.
• Mandates bodily injury coverage with 20/40 limits, beginning January 1, 2018.
• Mandates bodily injury coverage with 25/50 limits, beginning January 1, 2020.
• Mandates bodily injury coverage with 30/60 limits, beginning January 1, 2022.
• Retains the $10,000 financial responsibility requirement for property damage.

It’s still very difficult to predict whether or not PIP repeal passes this year, but the idea certainly has a lot more traction than in previous years.