Motivated by the growth in average loss costs for PIP claims in Florida in recent years, this report examines some of the ways in which claimants in Florida—particularly the Miami area—differ from claimants in no-fault states around the country. In many respects, including the pattern of reported injuries, the high utilization of medical resources, and the extent of attorney involvement, Florida and Miami claimants demonstrate many of the objective factors found to be associated with auto insurance fraud and buildup.
