Florida’s landmark lawsuit abuse reforms were a historic success for consumers. These critical reforms directly led to a significant decrease in the auto insurance rates Florida drivers pay. Yet a new report, underscores that the fight to tackle lawsuit abuse must continue. 

At the Florida Chamber’s 2025 Annual Insurance Summit, experts warned that bad actors will always look for new ways to game the system unless additional reforms are passed.

One major change is how certain attorneys have moved from exploiting PIP (Personal Injury Protection) — the auto-insurance coverage that pays medical bills regardless of who caused the crash — to exploiting bodily injury claims instead.

Jessica Schmor, President of Allegiant Experts and PACT Board Member, explained that she now sees extremely inflated medical bills in these bodily injury cases.

“The first red flag to me when I was looking at these charges, which were well in excess of $500,000, was what was going on clinically and medically?” she said before noting that the facility where the procedure was conducted charges the highest rate in the U.S.”

Additionally, the practice of staged accidents has gotten more sophisticated, to better evade the reforms put in place, and profit at the expense of innocent Floridians:

Jordana Kahn, a Partner at Burger Meyer & D’Angelo, described the “Fraudemic” newsletter she runs to share intelligence across carriers and lawyers. Her concern: staged-accident networks have become sophisticated production lines.

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“They’ll all be on a call together, on a WhatsApp chat, and they say, ‘Okay, at this traffic light up here, come to a stop, and the rear driver is going to lightly tap into you,’” she said, adding that the grift comes in many flavors.

Florida’s lawsuit abuse reforms are a roadmap for other states. They show that real reforms can successfully bring down costs for consumers and enhance transparency in the legal system. Yet, they are also a reminder that the bad actors who seek to profit from lawsuit abuse will not give up so easily. Ultimately, Florida’s progress shows what is possible when our elected leaders act decisively. But it also highlights the ongoing need for continued action, only in that can we ensure bad actors cannot undermine vital lawsuit abuse reforms.