Bill to Combat Florida Auto Accident Fraud Would Diminish Patient Rights
A bill that proponents say is intended to curb auto accident insurance fraud is gaining steam in the Florida House of Representatives, with Gov. Rick Scott firmly behind the measure.
It's known as HB 119, and it's something to which every motorist should be paying close attention because if it passes, it's likely to negatively impact your rights as a patient and a citizen.
It comes down to this simple fact: Florida lawmakers are preparing to give a handout to hospitals and insurance companies, at the expense of accident victims.
Under the proposed bill, drivers involved in a car accident in Boca Raton or elsewhere in the state would not only be required to seek medical treatment within 72 hours, but that treatment would be required to be provided by a hospital - and only with select few doctors who would be, of course, approved by the insurance company.
Chiropractors and massage therapists would not be considered appropriate medical professionals to treat accident victims, under the new legislation, according to a recent report by The Miami Herald.
This takes the decision out of your hands.
You have a right as a consumer, a patient and an American to obtain medical treatment as you see fit.
By requiring auto accident victims to obtain expensive and potentially unnecessary treatment, lawmakers would be lining the pockets of the health care and insurance industries, with blatant disregard for the choices of the consumer. In other cases, they would be denying an accident victim necessary medical treatment.
Champions of HB 119 bill claim that insurance fraud is a huge problem that is propelling everyone's insurance rates skyward.
At a rally earlier this month, Gov. Scott hyped a crowd of about 100 supporters convened at a press conference, saying Floridians are tired of scammers and attorneys taking advantage of consumers. HB 119 would also cap attorney fees.
But of course those in the insurance and medical industries would want to cap attorney fees - personal injury attorneys are the ones who go up against these behemoth companies to fight for YOUR rights. Our Fort Lauderdale car accident attorneys make sure you are properly compensated in the event of an accident. By attaching the attorney fee issue to the legislation, lawmakers are also attempting to make it awkward for attorneys to protest the bill on behalf of accident victims.
Here is the truth you won't hear from the insurance companies: While insurance fraud should be a concern for all consumers, it comprises only a very small percent of overall auto insurance claims.
Rates for consumers do continue to climb, but that's more because the insurance companies want more money, not because the industry is struggling.
If the industry was in such dire straits, how is it they can afford huge advertising budgets and continually solicit new customers at initially lower rates (only to jack them up later)?
As it stands now, registered drivers in Florida are already required to purchase $10,000 of personal injury protection (PIP) insurance. This basically means that no matter who is at fault in a Florida car accident, the person's own PIP will pay for their medical expenses and lost wages.
Saying no to this measure is about saying yes to choice. You have the right to decide whether you need medical treatment following an accident. If you do choose to seek medical treatment, you deserve to have the right to decide what form that will take.
We believe you deserve better than HB 119.
To contact your house representative, and urge them to vote NO on HB 119, visit http://www.myfloridahouse.gov/Sections/Representatives/representatives.aspx.
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