Florida law provides that every car insurance company must provide $10,000 in PIP benefits to its insured – Florida Statute 627.736(1). For the past few years, the Florida legislator has made multiple attempts to reform the use of Personal Injury Protection benefits, and prevent further abuse, n order to continue the crackdown on PIP claims fraud which are at an all-time high.
How do PIP benefits work?
When a person is involved in a car accident, and sustains an injury that requires any kind of medical treatment, that person’s car insurance will reimburse (at an established rate) the medical bills incurred to treat them. Through PIP, car insurance companies are required to pay for medical treatment (as well as lost wages if applicable), up to $10,000. Once the PIP benefits are exhausted, the insured becomes responsible to pay for their own medical bills, either through their own private health insurance or out of pocket if they are uninsured.
PIP Fraud claims skyrocketing in Florida
Last April, the Office of Florida’s Chief Financial Officer released staggering numbers indicative of a systemic-induced fraud. In the fiscal year 2010/2011, the Division of Insurance Fraud investigated 13,452 cases of insurance fraud, which ultimately resulted in 997 arrests and 804 convictions. In only one year, Florida Courts have ordered restitution amounting to more than $156 million to defrauded insurance companies.
The Florida Division of Insurance Fraud regularly issues a newsletter “The PIP Source” which summarizes the latest scams and arrests in PIP fraud cases. The latest edition can be downloaded here.
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Thus far, officials have yet to identify the product responsible for this latest round of food poisoning. The level of emergency was raised to an all-time high when Maelan Elizabeth Graffagnini, a 21-months-old infant died in New Orleans. Officials announced that the young child died from complications of E. Coli O145. (one of six types of shiga toxin-producing E. coli).
As a result, this Canadian tourist, who was unfamiliar with the premises at dusk, tripped over an unlit obstacle and fell forward. He sustained multiple fracture to his nose and orbital bone which have caused life-altering and debilitating changes in his life, and personality. This claim was recently resolved before trial for $262,500.

In convicting Deveau, the State of Massachusetts has made an example of this case for all the citizens of Massachusetts who continue to text while driving, even though it has been a violation of the laws of Massachusetts since the year 2010. Even though Deveau showed remorse and regret when he said in open court that he wished he could “take it all back”, before apologizing the to Bowley family, District Court Judge Stephen Abany realized that this case needed an exemplary sentencing.


Investigators of the Miami Beach Police Department reviewed the surveillance camera footage and had sufficient evidence to arrest the alleged assailant, Rafael Munguia, 26, who was also staying at the hotel at the time. The surveillance footage showed Munguia leave the victim’s hotel room naked and run to his own hotel room. On the evening of the assault, the Police arrested Munguia on charges of rape, and he confessed to raping the young woman less than 24 hours later.