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Travel Revisited

[Cars]

Jim Nolan, owner of Nolan Family Agency, said the change “could be opening Pandora’s box here.” Under the new law, gone would be mandatory personal injury protection (PIP) coverage of $10,000. Instead, Florida drivers would be required to carry bodily injury liability (BIL) coverage with limits starting at $25,000 per person and $50,000 for bodily injury or death to two or more persons, according to insurancejournal.com . PIP is the part of the policy paying the insured’s medical expenses. Currently, PIP covers 80% of all necessary and reasonable expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. Property damage liability (PDL) coverage pays for damage to another person’s property caused by the insured or someone else driving their vehicle. Under the new law, motorists would also need to purchase $5,000 death insurance to cover funeral expenses and other bills of people killed in collisions. In addition, insurers would have to offer $5,000 and $10,000 health insurance with no deductible, known as Med-Pay, but critics say the policyholder could also choose not to pay for this benefit. Also under the new law, the insured would have to retain the existing $10,000 financial responsibility requirement for PDL, but gone would be dollar limitations on recovering pain and suffering damages under PIP. The definition of “pain and suffering” could be debated more, once the no-fault’s financial threshold disappears. Nolan said, “It’s going to change how things are done,” adding that under the new law the at-fault driver would be held responsible for all damages. Darol Carr, attorney at Farr and Farr Law firm in Punta Gorda who handles personal liability cases, said, “I am unable to speak for the entire profession, but I can say personally the PIP no-fault system is not effective and needs to be abolished or significantly modified.” Members of Florida’s House and Senate who want to repeal no-fault have argued the present law is rife with fraud, while those opposed said the new law would raise rates and create other problems. Unknown is whether insurance premiums will go up for drivers, or whether more drivers will drop their insurance entirely. According to the Insurance Research Council, Florida is the sixth worst state with the most uninsured motorists. MarketWatch data revealed recently that those who are insured are paying the highest premiums in the nation. Depending on who is for or against the bill, some say premiums would go down under the repeal of no-fault, while others say premiums would go up. Nolan pointed out that one out of five Florida drivers is uninsured. Critics have said should the new law result in higher premiums, even more drivers would likely drop coverage. The Personal Insurance Federation of Florida, an industry group, and the American Property Casualty Association have already urged DeSantis to veto the legislation. An employee at Allstate headquarters in Northfield, Illinois referred The Daily Sun to the Personal Insurance Federation of Florida (PIFF), which represents national insurance carriers and their subsidiaries, including Allstate, State Farm, Farmers, and Progressive. It is the leading voice of more than 31,000 agents and employees, as well. PIFF also represents many of the state’s top writers of private auto insurance who have written five million policies.

https://www.yoursun.com/charlotte/news/will-car-insurance-cost-more-or-less-if-no-faults-repealed/article_c434e662-adc3-11eb-be69-6b84e5a4f7a1.html

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Lindeman, one of the auditors, said he’s focused on making sure whatever process his team ends up using is one the public can trust. “It’s not about Mark Lindeman counting ballots,” he said, “it’s about creating procedures where people are transparently and reliably counting ballots in ways the world can see is fair.”  Where will the audit happen, and can the public watch? The audit will happen at the Edward Cross Training Center in Pembroke. State officials say space will be limited, but the audit will be open to some in-person public observers and will also be live streamed to anyone else who’s not able to get inside. That’s also not final — but the clock is ticking. By law, the audit has to happen by May 27. The audit team is supposed to produce a report on the “results of the audit and any resulting recommendations” within 45 days of completing the audit. And later, 45 days after receiving the audit team’s report, the Ballot Law Commission is supposed to produce its own report on “the performance of the ballot counting devices.” How much will this cost, and who’s paying for it? It’s not clear how much this will cost in total, but the state and the town of Windham will split the costs of the auditors: Windham will pay for its auditor, the state will pay for its auditor, and the two parties will split the cost of the third auditor. The state’s also responsible for the “infrastructure” of the audit — so it could potentially have some additional expenses associated with the venue, security, live streaming and so on. Is this going to change the outcome of the election? No, the law authorizing this audit is clear : “The results of the audit shall not alter the official results of the Rockingham County district 7 house of representatives race as determined by the ruling of the ballot law commission on November 25, 2020, upholding the recount of that race.” It seems like this is getting a lot of national attention. What's going on there? While there’s no evidence of fraud or tampering in Windham’s election, conspiracy theorists trying to sow doubt in the legitimacy of the 2020 presidential election have latched onto this local legislative race as evidence that the election was compromised in some way. That’s despite a lack of evidence that the issue in Windham is in any way systemic. Right-wing websites and commentators, including some with close ties to former President Trump, have been drumming up outrage over Windham and the process surrounding the audit in recent weeks. One of the binders of emails Windham officials have received about the audit. People from across the country have flooded Windham officials’ email inboxes, imploring them to choose a different auditor, Jovan Pulitzer, who as reported by the Arizona Mirror “claims to have invented technology that can detect fraudulent ballots by examining the folds in the paper and the markings in various elections.” And after their preferred auditor was not selected, the pushback continued: thousands of emails kept pouring into Windham, and hundreds of people showed up to a recent Windham town meeting to demand the board overturn its decision .

https://www.nhpr.org/post/whats-happening-windhams-election-audit