Florida’s legislators are meeting for a special session September 18th, but insurance is not on the agenda.

The No-Fault law, which mandated that each vehicle be covered for $10,000 in property damage, is heading for extinction here in Florida this October 1st… and really nothing will change for those of us who insure our vehicles.

But isn’t this equally interesting and alarming…!

…two major enforcement tools will disappear along with no-fault: a requirement that insurance companies tell the state when a driver drops insurance; and the ability of law enforcement to check insurance papers any time they stop a motorist.

So, why would this be; were these two enforcement techniques written into the No-Fault law and will expire with it…?

What happens when someone who buys a car can purchase insurance coverage and cancel it the next day without repercussion? Will we go back to the pre-No-Fault levels of non-covered drivers, and how high will this push up our insurance rates? Even though ‘they’ say that our rates should go down, how can they when we also pay for the uninsured? If the uninsured skyrocket, our rates will as well. Or am I not connecting the dots here?

..in the late 1980s, the Florida Department of Insurance estimated that one of every three cars on the road was uninsured. In Miami-Dade County, the rate was estimated to be as high as two of every three.

…and we want to go back to this WHY? For whom?

The large insurance companies, led by State Farm, want to end no-fault. They claim the system is rife with fraud, which leads to higher rates. Under no-fault, insurance companies must pay medical benefits for their policyholders, no matter who caused an accident — and that has opened the door to staged car crashes, false crash reports, faked injuries and fraudulent billing.

I dunno, but I don’t quite buy it.