When do the substantive changes of the new PIP law go into effect?
The new PIP law went into effect beginning on January 1, 2013. However, that does not mean that all of the changes will take place immediately. In Menendez v. Progressive Ins. Co., 35 So. 3d 873 (2010), the Supreme Court of Florida analyzed a previous change in the PIP statute.
In Menendez, the Supreme Court of Florida found that the statute in effect at the time an insurance contract is executed governs substantive issues arising in connection with that contract.
While insurance companies may seek to deny benefits if a claimant does not treat within 14 days after the date of accident, the old PIP statute controls for insurance policies that were entered into prior to January 1, 2013.