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Paul Davidson: Florida Senate needs to act on auto insurance reform

in Statewide/Top Headlines by
Paul Davidson (Photo courtesy Plam Beach Post)

One year ago, I was riding my bicycle down A1A. Out of nowhere, a woman driving a 1988 LTD hit me going 45 miles per hour.

The force of the collision sent me flying 60 feet. I landed face first.

The next thing I remember is being rolled into the hospital.

My lip was ripped up to my nose. Two of my teeth were knocked out. Even though I (thankfully) wore a bike helmet that day, I suffered a concussion. I broke just about every bone in my face. My doctor says I have a road-rash tattoo on my face because the scarring from the accident will not go away.

The driver who hit me carried the mandated minimum $10,000 in bare-bones PIP insurance. Unlike 48 other states, Florida has no requirement for drivers to carry bodily injury coverage.

What did that mean for me, the victim? It meant I had to figure out how to pay the $350,000 health care bill created by an accident I didn’t cause. Because I have appropriate insurance coverage, the bills are getting paid.

What upsets me is there were no consequences for the woman who hit me. It’s as if carrying bare-bones PIP insurance provides a free pass for irresponsible drivers who hurt other people.

What happened to me isn’t an isolated incident.

I recently saw a similar story from Tampa where a 69-year-old Vietnam veteran was on his bicycle and was hit by a driver who carried only minimum PIP insurance coverage. According to the story, his bicycle was the man’s only means of transportation, so he doesn’t have auto insurance. He suffered serious injuries in the accident but, did not have insurance coverage to pay for his $200,000 in medical bills. People are helping him through donations on a “GoFundMe” webpage.

It’s really a policy change that’s needed to help people like us who could become victims of Florida’s outdated PIP insurance system and have to pay dearly because of the irresponsibility of others.

Lawmakers have an opportunity to change this by passing legislation to repeal PIP and replace it with a requirement that drivers carry bodily injury insurance at $25,000 per person/$50,000 per incident. The Florida House has already passed a good proposal to make this happen. The ball is now in the Florida Senate’s court.

Forty-eight states require drivers to carry bodily injury insurance. Why not Florida?

I understand that we’re down to the last days of the scheduled legislative session. With a little creative leadership that we know exists in the Legislature, the Senate can get this bill on its last-week agenda and send it to the governor.

We urge our children to take personal responsibility. We should also promote it in our state policies.

Please join me in calling on the Florida Senate to join their colleagues in the House by passing this good bill to repeal PIP and replace it with coverage that increases responsibility on our roadways.

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Paul Davidson is an engineer living in Boynton Beach and was a triathlete before the accident.

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