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Pinnacle Actuarial Resources, Inc. was retained by the Florida Office of Insurance Regulation to conduct an actuarial study to estimate the cost savings that have resulted from HB 119, which introduced a series of automobile insurance reforms for the Personal Injury Protection (PIP) coverage.

In addition, Pinnacle was retained to develop estimated premium impacts if PIP coverage requirements were repealed and replaced with various levels of Bodily Injury Liability (BI)/or Medical Payments (MP) levels, and also if the compulsory requirement for purchasing automobile insurance was repealed.

Below is a link to the final report. The report is 416 pages long: Pages 1-83 is the analysis; pages 83+ are the exhibits and appendices. The Executive Summary can be found on pages 4-6.

FL OIR Review of PIP Legislation-Final Report

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