The provision was created with the hopes of reducing insurance fraud, thus reducing insurance premiums. Whether or not such reductions in premiums has occurred is still left to be determined as PIP insurance premiums have continued to increase over the past several years since the statute was created.
Generally speaking, a personal injury claim arises when you are injured by the negligence of someone else – that is, a failure to use ordinary and reasonable care under the circumstances which causes the harm.
Florida, like most no-fault states, does not hold an individual liable for another’s personal injuries unless those injuries meet a certain medical threshold. If the injury does not meet this threshold, then the injured party may not recover for the injuries themselves, or the pain, suffering, mental anguish, or any inconvenience that might have arisen from said injuries.
Over the past several decades several American courts, have handed down several landmark decisions regarding cruise liners and holding said cruise liners accountable for the negligence that occurs to their passengers.
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