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Florida Justice Reform Institute

Legislature OKs more wrongful-death suits against hospitals, docs

May 1, 2025/in Florida Phoenix

Florida Phoenix

Florida Justice Reform Institute says it will request a veto.
By: Christine Sexton – May 1, 2025 6:26 pm

State Sen. Gayle Harrell says he’s been attacked via billboards for opposing liberalization of wrongful-death suits against doctors and hospitals without limiting potential monetary awards. (Screenshot, WPTV)

The Florida Legislature on Thursday sent to Gov. Ron DeSantis a bill that would put an end to a 35-year-ban that prevents people from filing lawsuits against physicians and hospitals for medical malpractice.

The 33-4 vote by the Florida Senate capped a tumultuous 24-hours in which the main sponsor paused action on his bill a day earlier after the Senate narrowly rejected his call to cap how much someone could collect in a medical malpractice.

“It needs to be repealed, it is unjust,” said Sen. Clay Yarborough, the Republican who sponsored the legislation, of the litigation ban.

State Sen. Clay Yarborough via: Florida Senate

The question is what will happen next. DeSantis has complained loudly about the influence of “liberal trial attorneys.” Yarborough on Thursday told reporters there was a chance the governor could nix the bill.

Under existing law, parents of single, childless, adult children cannot sue for noneconomic damages such as pain and suffering. Adult children, defined as those 25 and older, are also banned from pursuing wrongful death claims for single parents who die from medical malpractice. ‘

HB 6017 would completely eliminate this prohibition in law. It passed over strong opposition from groups such as the Florida Hospital Association, Florida Medical Association, the Florida Chamber of Commerce, and insurance industry lobbyists.

Florida Justice Reform Institute William Large said he will ask the governor to veto the bill.

“This bill is bad for Floridians. It’s bad for consumers. This bill will only increase healthcare costs for all Floridians,” Large told the Florida Phoenix, adding that he estimates as many as 500 additional lawsuits annually will result from eliminating the ban.

The vote for final passage Thursday followed emotional testimony wherein state Sen. Gayle Harrell’s voice cracked as she explained that she was being targeted by billboards for her opposition to the bill.

Harrell, a long-time champion of the medical profession, said she would have supported the expansion of lawsuits against physicians and hospitals if, in exchange, the Senate agreed to put a $1 million limit on wrongful death recoveries for all medical malpractice incidents.

Harrell said she was moved throughout the session by testimony from residents who shared stories of how their children, parents, and loved ones died allegedly from medical malpractice but were prevented from seeking redress in court. But, at the end of the day, she said she believes that without damages caps, physicians and hospitals will face increased costs and stop practicing.

Sen. Gayle Harrell (Photo via the Florida Senate.)

“I can tell you we are going to have a huge increase in medical malpractice. And in addition we are going to have physicians not coming to the state of Florida,” she said.

Harrell said she has been targeted for her position. The Republican from Stuart didn’t say who was behind the intimidation.

“I can tell you this has become very difficult for me, personally. I am getting personal attacks on it because of my stand. There is now a billboard in front of my neighborhood saying Gayle Harrell supports profits over people,” she said, adding there is a “double billboard” “attacking” her in another nearby neighborhood.

“And I can tell you, that is very devastating to anyone in a political situation where they think Gayle Harrell puts profits over people. I do not. I do not,” she said.

Harrell’s remarks solicited anger from a bipartisan group of senators who came to her defense.

Former Senate Democratic leader turned independent Sen. Jason Pizzo said: “I want you to hear me now. Nobody has done more to provide access to health care than Gayle Harrell. So if you know the person who put up the billboard, I’m not affecting anyone’s First Amendment rights, but you can tell them that Jason Pizzo won’t like them when he finds out who they are.”

Pizzo announced later that he had reached someone who had promised to take down the billboards.

State Sen. Jim Boyd. Credit: Florida Channel

Sen. Jim Boyd, a Republican from Bradenton, extolled Harrell for her work over the years on issues involving children, the elderly, and people with intellectual and developmental disabilities.

“There’s nobody more caring than you,” Boyd told Harrell. “An attack on you is an attack on us. Anybody from St. Augustine or anywhere else in Florida that would put up a sign like that ought to think twice about it. It’s not fair. It’s not right. And it can’t be tolerated.”

https://floridaphoenix.com/2025/05/01/state-sen-gayle-harrell-has-been-attacked-on-billboards-for-objecting-to-opening-up-floridas-medical-malpractice-laws-without-limiting-potential-recoveries-screenshot-wptv/

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 Becky Lannon https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg Becky Lannon2025-05-01 13:35:072025-05-21 11:53:04Legislature OKs more wrongful-death suits against hospitals, docs
Florida Justice Reform Institute

Lobbyist scolded for ‘scare tactics’ in committee debate on wrongful-death bill

March 20, 2025/in Florida Phoenix

Florida Phoenix

‘I expect you bring facts and data and not scare tactics and opinions.’

By: Christine Sexton – March 20, 2025

(Photo by Kieferpix/Getty Images)

Rep. Hillary Cassel on Thursday blasted a lobbyist for his testimony on a bill that would increase the potential for wrongful death lawsuits to be filed against Florida doctors and hospitals, accusing him of using scare tactics to try to sink the bill.

During public testimony on HB 6017 before the House Judiciary Committee, attorney Mark Berlick said allowing adult children of single parents to sue physicians and hospitals for noneconomic damages, such as pain and suffering, would open the door to estranged children suing Florida’s hospitals and physicians.

Berlick, an attorney with the Bolin Law Group, said he represented the Florida Justice Reform Institute, which champions lawsuit limitations.

He testified that the “bulk” of people who would be filing medical malpractice lawsuits are going to be nonstate residents who are estranged from family members who live in Florida.

“So, though you’ll end up with the individuals that will end up with a check being sent to them for an individual that never sets foot in the state of Florida, they won’t receive any medical care here. They won’t have any taxes paid here. They’ll just simply receive a settlement check from the death of their relatives,” he said.

The comments didn’t sit well with Cassel, a Republican who noted that the majority of the people in the committee hearing who testified on behalf of the bill were Florida residents.

“We as members expect that the people that come before us to provide information are going to do so truthfully and with facts, and for the gentleman from the Florida Justice Reform Institute to come before us and assert that the people that are going to benefit from this don’t live in this state and must be estranged from their families, and we’re going to just be writing checks to estranged members, doesn’t have an ounce of data to support that,” Cassel said.

“And that was nothing more than a scare tactic to this committee, and it’s an insult on our intelligence, and it’s an insult to the people who are here today, who are clearly not estranged from the loved ones that they have lost. And of the ones that have testified, all but two are Floridians. So, if you’re going to come before this committee and make assertions about what’s going to happen if we pass legislation, I expect you bring facts and data and not scare tactics and opinions.”

Quid pro quo

The insurance industry, Florida hospitals associations, and organized medicine such as the Florida Medical and Florida Osteopathic associations, oppose the bill in its current form. But they are willing to support eliminating the ban if the Legislature agrees to limit damages for pain and suffering.

Otherwise, increasing civil liability will further increase medical malpractice insurance rates and drive physicians away from practicing, the opponents say.

To date, neither the House nor Senate have included the industry-coveted caps in the bill. The Senate passed its version, SB 734, earlier this week.

Rudman returns

There are some individual physicians, though, who support the proposal, including former state Rep. Joel Rudman.

Rudman resigned from the House to launch an unsuccessful congressional bid but returned Thursday to testify in support of the bill.

A Navarre physician, Rudman said he came to Florida from Alabama during the 1990s and the high medical malpractice rates didn’t drive him away. The premiums he pays today, he said, haven’t changed in a decade. And the costs of the insurance protection from lawsuits isn’t among his top three overhead costs.

“I’ve had a license since 1997, and I’ve never been sued. I’m very proud of that,” Rudman said. “It’s not because of some bogus protections carve-out in the current statute. It’s because I’m damn good at my job. And this bill will not change that, either. The only doctors that want to see this statute remain in place are bad doctors and, unfortunately, we have a few of those in the state of Florida.”

https://floridaphoenix.com/2025/03/20/lobbyist-scolded-for-scare-tactics-in-committee-debate-on-wrongful-death-bill/

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 Becky Lannon https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg Becky Lannon2025-03-20 22:23:432025-03-20 22:32:42Lobbyist scolded for ‘scare tactics’ in committee debate on wrongful-death bill
Florida Justice Reform Institute

DeSantis opposes repealing Florida’s no-fault auto law. Will his stand stall Legislature’s efforts?

March 6, 2025/in Florida Phoenix

Florida Phoenix

‘I don’t want to do anything that’s going to raise the rates.’

By: Christine Sexton – March 6, 2025 4:46 pm

Traffic on I-95 via Florida DOT.

Gov. Ron DeSantis seems determined to put the brakes on efforts in the Florida Legislature to scrap the state’s no-fault automobile insurance laws, including a requirement for drivers to buy personal injury protection.

The governor already vetoed one bill to repeal the state’s no-fault system and replace it with a fault-based one instead. Following his State of the State speech Tuesday, DeSantis indicated he has not changed his mind.

“If they have a reform where we can show that it’s going to lower rates, it’s fine. But lets just be clear. I mean, you know, we know that’s something that people from the legal and the trial bar have wanted to do. And so why would they want to do that? Obviously, they see that there’s opportunities for them to make money off of it,” DeSantis told reporters.

“I think that goes without saying. So, I don’t want to do anything that’s going to raise the rates.”

Republican Sen. Erin Grall of Vero Beach and Rep. Danny Alvarez of Hillsborough County have both filed bills to eliminate the requirement that drivers carry personal injury protection. Instead, the bills require drivers to carry $25,000 in bodily injury coverage for one person and $50,000 for two or more people per incident plus $10,000 in property liability coverage.

Alvarez’s bill, (HB 1181) has been referred to three House committees: the Civil Justice & Claims Subcommittee; Insurance & Banking Subcommittee; and the Judiciary Committee. Grall’s bill (SB 1256) faces hearings before the Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; and Rules committees.

Define ‘PIP’
Personal injury protection (PIP) is a type of car insurance that pays medical expenses, lost wages, and other costs of drivers and passengers injured in automobile accidents, regardless of who caused the accident.

Florida drivers are required to carry $10,000 in PIP coverage on their insurance policies under Florida’s no-fault automobile insurance system, plus $10,000 in property damage liability coverage. Those are minimum requirements and drivers can, and do, purchase additional coverage.

According to the Department of Highway Safety and Motor Vehicles, just under 6% of the drivers on Florida roads were uninsured as of February.

The state’s no-fault automobile insurance laws ban injured parties from bringing lawsuits against at-fault parties to recover noneconomic damages, such as pain and suffering and loss of consortium, although there are some exceptions (if a person suffers a permanent loss of an important bodily function; a permanent injury; a permanent scar or disfigurement; or death).

The Florida Justice Association, representing the trial bar, supports PIP repeal and notes that a Forbes analysis of automobile insurance rates pegs Florida as the most expensive state for car insurance in the nation. To meet the requirements of the law costs an average $1,529 annually.

Lobbying surge

A cadre of insurance lobbyists oppose the repeal, as does Florida Justice Reform Institute President William Large. They argue lawmakers should allow the state’s no-fault laws and PIP to remain in place for at least another three years to ascertain the effect the elimination of one-way attorney fees will have on rates going forward.

Since 1893, state law allowed policyholders to force carriers to pay any attorney fees they rack up if forced to sue to enforce claims — hence “one-way” fees. The idea was to counterbalance insurers’ financial and legal clout. In 2023, the Legislature required both parties to pay for their own attorneys’ fees.

The Legislature agreed in 2021 to repeal the no-fault system and the minimum mandated coverages and return to a fault-based system, but DeSantis vetoed the bill (SB 54). In his veto letter, DeSantis stated at the time that although the “PIP system has flaws,” repeal could bring unintended consequences for the market and the consumer.

Perez, who was vice chair of the House Judiciary Committee at the time, voted for the repeal.

Note: This story has been updated to correct the name of the House bill sponsor.

https://floridaphoenix.com/2025/03/06/desantis-opposes-repealing-floridas-no-fault-auto-law-will-his-stand-stall-the-legislatures-efforts/

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 Becky Lannon https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg Becky Lannon2025-03-06 16:13:012025-05-20 16:15:02DeSantis opposes repealing Florida’s no-fault auto law. Will his stand stall Legislature’s efforts?
Florida Justice Reform Institute

Here’s what lawmakers could change about property insurance in the next two months

March 3, 2025/in Florida Phoenix

Florida Phoenix

Florida’s no-fault automobile insurance requirements could see some changes

By: Jackie Llanos and Christine Sexton – March 3, 2025

The coastline in Steinhatchee remains covered in debris on Oct. 3, 2024, following Hurricane Helene. (Photo by Jay Waagmeester/Florida Phoenix)

Insurance could prove the issue that dominates Florida’s 2025 legislative session, given that lawmakers have filed dozens of bills aimed at reining in homeowners’ insurance premiums and once again hope to repeal the requirement to carry no-fault car insurance policies.

Property taxes

 Sen. Blaise Ingoglia Photo credit: Christine Sexton Florida Phoenix

Positioned as one of the most important lawmakers when it comes to insurance is Spring Hill Republican Sen. Blaise Ingoglia, who chairs the committee dealing with that industry. The Gov. Ron DeSantis ally has multiple proposals tackling home hardening against hurricanes and floods and reversing some of the legislative gains won by insurance companies.

“There are still a bunch of bills that have been filed, so we’re going to be going through the bills diligently,” Ingoglia told Florida Phoenix on Monday. “We want to make sure that any bill that winds up being heard in committee is holding insurance companies accountable, but making sure that we are doing everything that we possibly can to reduce premiums for homeowners.”

His most recently filed bill, SB 1740, would require carriers applying to conduct business in Florida to hold reserves of at least $35 million more than they need to cover obligations to policyholders.

Directors, officers, or attorneys of insurance companies that can’t pay their debts would be barred from joining another insurance company in that capacity if they were in their position within five years before the insurer becomes insolvent.

Under Ingoglia’s proposal, the state’s hurricane mitigation grants of up to $10,000 would go toward improvements that would result in a property insurance credit or discount. Republican newcomer Yvette Benarroch of Marco Island is sponsoring the House companion.

The senator also wants the Legislature to assume authority to freeze property taxes for homeowners who elevate and in other ways make their homes more resistant to winds and flooding. Two-thirds passage of that resolution, SJR 1190, in the Legislature would put that question in front of voters in 2026, and it would require 60% approval at the polls.

If voters want to make that change to the Florida Constitution, another bill, SB 1192, which Ingoglia filed on Feb. 25, would freeze property taxes for 20 years for homeowners who elevate their homes.

Pinellas Republican Reps. Adam Anderson and Kimberly Berfield filed the House companions.

Reports and more reports

Demands for more information and transparency are a common thread among the bills lawmakers have filed on property insurance this session.

During the insurance market upheaval following Hurricanes Irma and Michael, insurers raised premiums to cover their losses while their affiliate companies made billions, according to a recent investigation by the Tampa Bay Times. The affiliate companies increased their profits by overcharging the insurers for basic services.

A 174-page proposal, SB 1656/HB 1429, which Tampa Republican Jay Collins and Miami Lakes Republican Tom Fabricio filed on Friday, requires insurers to turn over to the Office of Insurance Regulation (OIR) documentation about fees paid to affiliates. The bill also requires the companies to tell residential property policyholders how the costs of litigation, reinsurance, and affiliate fees influence the rate the customer pays.

Sen. Don Gaetz (Photo/Florida Senate)

Former Senate President Don Gaetz — the Republican is once again representing the far western Panhandle in the upper chamber — is taking a similar approach with SB 554. His proposal, sponsored in the House by fellow Panhandle lawmaker Alex Andrade, requires OIR to create a report detailing the financial relationship between insurers and affiliates with at least 10% common ownership and another delving into insurance executives’ compensation.

Gaetz and Andrade also want to reinstate Florida’s old one-way attorney fees, which traditionally awarded litigation costs to homeowners who successfully sue insurance companies. In 2023, the Legislature required both parties to pay for their own attorneys’ fees, one of DeSantis’ priorities.

Across the aisle, Democrats have filed bills limiting property insurance rate increases and creating a trust fund to help people who can’t pay for their insurance. Meanwhile, Democratic House Leader Fentrice Driskell requested that House Speaker Daniel Perez and DeSantis investigate why the state concealed for two years the information the Tampa Bay Times reported.

PIP tussle

Personal injury protection (PIP) is a type of car insurance that pays for medical expenses, lost wages, and other related costs of drivers and passengers injured in automobile accidents, regardless of which driver causes the accident.

Florida drivers are required to carry a $10,000 in PIP coverage on their insurance policies under Florida’s no-fault automobile insurance system, which also requires drivers to purchase $10,000 in property damage liability insurance. Those are minimum requirements and drivers can purchase additional coverage on top of those mandated requirements.

Map: Jackie Llanos/Florida PhoenixCreated with Datawrapper

 

The state’s no-fault automobile insurance laws ban injured parties from bringing lawsuits against at-fault parties to recover noneconomic damages, although there are some exceptions (if a person suffers a permanent loss of an important bodily function; a permanent injury; a permanent scar or disfigurement; or death.)

According to the Department of Highway Safety and Motor Vehicles just under 6% of the drivers on Florida roads were uninsured as of February.

The Florida Justice Association, which supports a PIP repeal, notes that a Forbes analysis of automobile insurance rates shows that Florida is the most expensive state for car insurance in the nation. To meet the requirements of the law costs an average $1,529 annually.

The Legislature agreed in 2021 to repeal the no-fault system and the minimum mandated coverages and return to a fault-based system, but Gov. DeSantis vetoed the bill (SB 54). In his veto letter, DeSantis stated at the time that although the “PIP system has flaws,” repeal could have unintended consequences for the market and the consumer.

Perez, who was vice chair of the House Judiciary Committee at the time, voted for the repeal at the time.

Fast forward to 2025 and there’s another concerted effort to repeal the PIP system, and Perez is speaker of the House of Representatives. The vehicles are SB 1256 by Sen. Erin Grall and HB 1181 by Rep. Danny Alvarez.

The bills would abolish PIP and instead require drivers to carry $25,000 in bodily injury coverage for one person and $50,000 for two or more people per incident plus $10,000 in property liability coverage.

Florida Justice Reform Institute William Large is lobbying against the repeal. Large, whose group advocates for lawsuit restrictions, says lawmakers should allow the state’s no-fault laws and PIP to remain in place for at least another three years while lawmakers gather market data. He says the pause would allow the state to ascertain whether elimination of one-way attorney’s fees reduced the costs of automobile insurance.

 

https://floridaphoenix.com/2025/03/03/heres-what-lawmakers-could-change-about-property-insurance-in-the-next-two-months/

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 Becky Lannon https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg Becky Lannon2025-03-03 14:14:342025-05-20 15:39:32Here’s what lawmakers could change about property insurance in the next two months
Florida Justice Reform Institute

DeSantis quietly names Judge Meredith Sasso to the Florida Supreme Court

May 23, 2023/in Florida Phoenix

Florida Phoenix

She’s another conservative with affiliation with Federalist Society

BY: MICHAEL MOLINE – MAY 23, 2023 

Sasso DeSantis

Meredith Sasso is pictured with Gov. Ron DeSantis and her children in this photo released on

May 23, 2-23, following her appointment to the Florida Supreme Court. Credit: governor’s office

The Florida Supreme Court’s newest justice is Meredith Sasso, a Cuban American, formerly an intermediate state appellate justice who becomes the third woman now sitting in the seven-member court.

Gov. Ron DeSantis announced the pick without fanfare via a press release on Tuesday, in contrast to the press conferences he’s used to announce past appointments to the state’s highest court.

When Sasso takes her seat, it will mark the first time in Florida history that three women have served on the court at the same time, according to the governor’s press office.

“I am proud to appoint Judge Meredith Sasso to the Florida Supreme Court because her fidelity to the Constitution will help preserve freedom in our state for generations to come,” DeSantis said in a written statement. “As a Cuban American woman who understands the importance of our constitutional system and the rule of law, Judge Sasso will serve our state well.”

“I am incredibly honored that Gov. Ron DeSantis is entrusting me with this position,” Sasso said. “The judiciary plays a critical and unique role in our constitutional government, and I am resolutely committed to upholding the rule of law for as long as I am privileged to serve.”

Sasso, previously chief judge of the newly created Sixth District Court of Appeal in Lakeland, replaces former Justice Rick Polston, who resigned in March to become general counsel and chief legal officer at Citizens Property Insurance Corp., the state-backed insurer of last resort. He left just months after winning another six-year term in the November elections.

Women on the court
In September, DeSantis placed former South Florida trial judge Renatha Francis on the court. She is a Jamaican-American whom the governor tried to seat two years earlier, only to see the court reject her for failing to meet the 10-year Florida Bar membership qualification.

The other female justice is Jamie Grosshans, whom DeSantis appointed after the failure of the first Francis appointment.

The Judicial Nominating Commission for the Supreme Court, which vets candidates for that court, on March 5 forwarded the names of six possibilities, including Sasso, to the governor. She can take her seat once the paperwork gets taken care of.

From that perch, Sasso will help decide the validity of Florida’s 15-week abortion ban. In 1989, a more moderate-to-liberal court ruled that the Florida Constitution’s Privacy Clause protected the right to choose an abortion, but now the court, bolstered by DeSantis-appointed conservatives like Sasso, has made a habit of overturning its own precedents.

The law establishing the state’s new six-week abortion ban — a de facto ban on the procedure given that most people don’t realize they are pregnant at that point — is contingent on the court reversing that precedent.

The new justice boasts solid conservative credentials, including memberships in the Federalist Society for Law and Public Policy Studies, a sort of farm team for the conservative legal movement, and the American Enterprise Institute Leadership Network.

Working mother
According to information Sasso filed with the screening panel, she’s a Tallahassee native, married, the mother of two. Earlier in her career, Sasso served on the Fifth DCA and as a legal aide to then-Gov. Rick Scott, handling affairs for the departments of State, Education, Management Services, and Environmental Protection. Sasso also worked in private legal practice. She graduated from UF and earned her law degree from the University of Florida Levin College of Law in 2008, and was a College Republican.

Earlier, Sasso worked in private legal practice.

She graduated from UF and earned her law degree from the University of Florida Levin College of Law in 2008. She was a College Republican. She’s been twice certified to the governor for appointment to the Supreme Court, in 2019 and 2022, although he didn’t select her. She’s been a Federalist Society member since 2011. She’s married to attorney Michael Sasso but the number and names of her children were redacted. She declared $197,272 in net income for 2022 and nearly $1.7 million in assets.

In her application papers, Sasso noted that, on her father’s side, her grandparents left Cuba in 1953. Her maternal grandfather served in the merchant marine during World War II.

“Stories like those of my grandfathers’ drive me. I am constantly mindful that the liberty we enjoy exists because of real people’s incredible sacrifices. And I am resolutely committed to fulfilling my judicial role in the manner for which it was intended: as an integral part of the structure of government created expressly to secure liberty for ourselves and our posterity.”

Reaction
William Large, president of the Florida Justice Reform Institute, which advocates for limits on lawsuits, welcomed the appointment.

“The governor’s appointment of Meredith Sasso to the Florida Supreme Court cements this promise of appointing justices with a proven record of embracing textualism, and the notion that the courts should interpret our laws, not write them,” Large said in a written statement.

“Justice Sasso is an exceptional choice for the Florida Supreme Court due to her extensive legal experience, dedication to public service, and her strong, demonstrated commitment to upholding justice and the rule of law. We further applaud Gov. DeSantis for his continuing commitment to a Court that can draw on a rich diversity of life experience.”

https://floridaphoenix.com/2023/05/23/desantis-quietly-names-judge-meredith-sasso-to-the-florida-supreme-court/ 

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 RAD Tech https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg RAD Tech2023-05-23 15:55:162024-12-05 15:40:06DeSantis quietly names Judge Meredith Sasso to the Florida Supreme Court
Florida Justice Reform Institute

Special session opens Monday on troubled property insurance market: Will reforms work long term?

December 13, 2022/in Florida Phoenix

Florida Phoenix

If approved, legislation would include hundreds of millions of dollars for property tax, toll, and disaster relief

BY: MICHAEL MOLINE – DECEMBER 12, 2022 7:00 AM

Florida Capitol

The Florida Capitol, January 2021. Credit: Michael Moline

Insurers and the larger business community would get virtually everything they want under legislation proposed for the Legislature’s special session on that topic and trial attorneys would likely take it on the chin, as lawmakers convene Monday in the Florida Capitol.

That includes repeal of the state’s one-way attorney fee in insurance disputes — perhaps the No. 1 item on the insurance industry’s wish list. The Legislature approved the fee law to even the balance between policyholders and their carriers, but insurers now claim it’s leading to frivolous, but expensive, litigation.

In addition, the Legislature will take up toll relief for commuters and property tax relief for Floridians who suffer significant hurricane damage.

The proposed insurance legislation would authorize $1 billion for a new reinsurance program to back insurance companies, on top of $2 billion authorized in another special session last spring.

But that’s not all when it comes to the hundreds of millions proposed in several pieces of legislation. For example, the toll relief program, if approved, would include $500 million in the 2022-23 budget year. And the disaster relief bill would include everything from $350 million for FEMA public assistance grants to $150 million for affordable housing for hurricane recovery and $100 million for beach erosion projects, according to legislative documents.

As to homeowners, don’t expect lower property insurance premiums soon. In fact, people could be forced out of the Citizens Property Insurance Corp., the state-backed insurer of last resort, if a policy is available on the private market for no more than 20 percent above the Citizens premium. They’d be blocked from insuring through Citizens under those same conditions.

‘Difficult but careful balance’

Kathleen Passidomo Naples Republican Kathleen Passidomo answers reporters’ questions following her installment as Florida Senate president on Nov. 22, 2022. Credit: Michael Moline

Senate President Kathleen Passidomo and House Speaker Paul Renner announced that the legislation had been filed on Friday night, “I believe the goal we all share is for Florida to have a robust property insurance market that offers homeowners the opportunity to shop for insurance that meets their needs and budget,” Passidomo said in a written statement. “We also want to make certain that when damage occurs, claims are paid promptly and fairly, so homeowners do not have to contend with time-consuming and expensive litigation,” she added.

“This special session is about providing short and long-term relief to property insurance consumers, extending aid to victims of hurricanes Ian and Nicole, and helping commuters using Florida’s toll roads save money,” Renner said on Twitter.

“Our policymaking strikes a difficult but careful balance that ensures Floridians can access property insurance, targets cost-driving frivolous lawsuit while protecting access to the courts, and sends a strong signal to insurance carriers that Florida is open for business.”

Rampant receivership
Gov. Ron DeSantis pressed for the special session while taking heat from Democratic opponent Charlie Crist during his reelection campaign this year, after an earlier special session on the topic failed to produce immediate relief.

According to the Florida Office of Insurance Regulation (OIR), eight insurance companies have entered receivership in Florida since 2019, five of them during 2022 alone.

They’ve been losing a ton of money. According to a legislative analysis, Florida insurers all together ran a $1 billion in the red during 2020 and 2021; the last time they showed a profit was in 2016.

Complicating the picture were hurricanes Ian and Nicole, which struck Florida, respectively, in late September and November. The first caused estimated damage in the range of $40 billion to $64 billion, including uninsured flood losses of $10 billion to $16 billion. Estimated insurance losses from Nicole run to nearly $2 billion.

The result of these trends has been a surge in policies written by Citizens, which reported an increase in policies from 759,305 worth more than $232.5 billion at the end of 2021 to more than 1.1 million policies worth around $399 billion as of Oct. 31 this year.

“If we get to have a stable and competitive market, consumers will benefit, because companies will be competing against each other to take market share. You do that most quickly by being able to lower the price,” said Michael Carlson, president and CEO of the Personal Insurance Federation of Florida, representing companies including State Farm, Progressive, Allstate, and Farmers.

Blame game
One of the main culprits, to the industry and even the OIR, is the plaintiffs’ bar, which they accuse of exploiting legal loopholes to extract money from insurers.

The Florida Justice Association, a lobby for plaintiffs’ attorneys, didn’t respond to an interview request, but in the past has blamed mounting litigation on insurers that don’t pay claims fully or promptly.

But during a speech at the Florida Chamber of Commerce’s annual insurance summit last week, Florida’s Chief Financial Officer Jimmy Patronis targeted assignment of benefits agreements, in which policyholders transfer their right to sue carriers to a law firm or a contractor. The argument is that these agreements — AOBs in shorthand — encourage unnecessary litigation.

Jimmy Patronis Florida Chief Financial Officer Jimmy Patronis. Credit: Florida Department of Financial Services

As mentioned above, the legislation would repeal another long-term insurance industry target, that one-way attorney fee laws (here and here). It was designed to discourage insurers from low-balling claims; if a policyholder sues and gets awarded any amount above the offer — even a relatively small amount — he or she could demand the insurer pay his or her litigation costs

Incentives
“It’s created an incentive to bring lawsuits over low-dollar amounts,” William Large, president of the Florida Justice Reform Institute, told the Phoenix in a telephone interview.

“So, you see lawsuits where the amount recovered is a low-dollar amount, but it leads to huge fees. If they can collect a penny on a lawsuit, they get their fees paid. And it’s not that difficult to go behind an estimate and get a penny or a dollar more to be paid,” he continued.

William Large William W. Large, president, Florida Justice Reform Institute. Credit. FJRI website.

That’s especially true following a large storm that causes extensive damage. Competition for contractors and building supplies can delay repairs to individual homes and spin off inflation that drives up repair expanses. Unscrupulous contractors and lawyers can leverage homeowner frustration to take advantage of that, Large said.

“Multiply that fact pattern times 100,000 homes. This is not a tenable business model, and this is what is driving insurers to file for bankruptcy and leave the state of Florida. It’s creating an increase in the number of insured under the state-run property insurance company, Citizens Property Insurance,” he said.

Even if the policyholder is entitled to more money, “it’s not meant to be a lawsuit. But that’s the system that we have in place,” Large argued.

Another law allows courts to order insurers to pay a policyholder’s court fees in any suit filed seeking timely payment of claims, within 60 days. The insurer is entitled to have an appraisal done, but it can be difficult to perform those within the time allotted under some circumstances, Large said. The policyholder is still entitled to recover his or her attorney fees.

Large categorized the dynamic as “rent seeking,” which he defined as “parking yourself on a regulatory mechanism that offers absolutely no value to society, and that’s what the plaintiffs are doing with the one-way attorney fee provision. They’re making money on a provision that was meant to benefit the insured but it’s only benefitting attorneys.”

Again, the Florida Justice Association provided no comment to the Phoenix, but in remarks to the Florida Bar News association president Curry Pajcic complained that insurance companies bring litigation upon themselves through their claims practices.

“The corporate elites and the insurance industry want to take your arm and your leg, and in exchange, give you a crutch,” Pajcic said. “They don’t want to make it right; they don’t want to make it even.”

Bad faith
The legislation attempts to address these complaints. It would become harder to press bad-faith claims against insurance companies accused of low-balling or slow-walking claims. For one thing, a policyholder no longer would automatically have a claim for bad faith if he or she forces the carrier to improve on an initial offer of settlement — instead, the customer would have to establish breach of contract.

And the Florida Office of Insurance Regulation would gain new powers to punish insurers for abusing the appraisal process; they could lose their ability to use for process for two years and get publicly named and shamed on the office’s website. The legislation would tighten timelines for insurers to respond to claims.

What’s getting very little mention is the climate change driving these losses — either by the Republicans driving the legislation or the industry.

“It’s not something we’re actively talking about,” said Carlson, the insurance lobbyist.

“I think some of the national companies have looked at the issue to see what the risk of sea-level rise, for example, is. What the risk of increased storm frequency and severity is driven by warmer temperatures of the planet. But, to my knowledge, the companies have never stepped into the public policy arena with regard to that. I do know that we strongly support any resiliency measures,” he said.

https://floridaphoenix.com/2022/12/12/special-session-opens-monday-on-troubled-property-insurance-market-will-reforms-work-longterm/ 

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Florida Justice Reform Institute

Add auto insurance to the increasing costs of living in Florida

November 23, 2022/in Florida Phoenix

Florida Phoenix

Staged accident schemes, litigation among the reasons why premiums are so high in the Sunshine State

BY: MITCH PERRY – NOVEMBER 23, 2022 7:00 AM

Miami traffic I-95 traffic in Miami. Source: Wikimedia Commons

Florida lawmakers are scheduled to return to Tallahassee soon for another special session to deal with the state’s property insurance crisis. But it’s not just homes and condos where Floridians pay high insurance costs, but automobiles as well.

In fact, Florida’s auto insurance rates are among the top in the nation

An analysis from insure.com ranks Florida as the most expensive state in the nation for auto insurance, with the average premium at $2,560 a year, or $213 a month. That’s a 23% increase in rates from 2021.

Ohio was listed as the lowest, with average insurance premiums of just $1,023 annually, insure.com reported. The average nationwide for full coverage car insurance is $1,682 in 2022.

Another study, Bankrate’s True Cost of Auto Insurance Report in 2022, showed that the average annual full coverage car insurance premium for a Floridian is $2,762, the second highest rate in the country and trailing only Louisiana, at $2,864. Florida’s average is nearly $1,000 above the average annual premium in the United States of $1,771.

Why are the numbers so high? There are myriad reasons, some indigenous to Florida and some attributable to national trends that have affected the industry overall coming out of the pandemic.

A majority of state lawmakers believed that they had addressed the issue to some extent in 2021, when they passed a bill (SB 54) co-sponsored by Tampa Bay area state Sens. Danny Burgess (R- Zephyrhills) and Darryl Rouson (D-St. Petersburg) that would have repealed the state’s “no fault” insurance law that requires that motorists carry $10,000 in personal-injury protection (PIP) coverage to help pay their medical costs after accidents.

It would have replaced PIP with mandatory bodily injury (BI) coverage of at least $25,000 per person and $50,000 per occurrence and required insurers to offer medical payments coverage (though policy holders could opt out of that coverage).

Gov. DeSantis vetoed the bill however, saying that the measure did “not adequately address the current issues facing Florida drivers” and could have unintended consequences that would be bad for consumers and the car insurance market.

It definitely would have raised car insurance rates, according to a report commissioned by the Office of Insurance Regulation that was published right before that veto. The study from Pinnacle Actuarial Resources determined that if “no fault” was repealed, motorists would have seen their insurance premiums increase by 13%, or approximately $202 per vehicle annually. And the liability premium would go up nearly 20% for motorists who purchased medical payment coverage with a $10,000 limit.

But there are those who think motorists would have been better off if the legislation had passed.

“When I see people move to Florida who come from other states that have mandatory bodily injury liability, their premiums always seem to be lower,” says Brandon-based insurance agent Kevin Swanson, who says he hasn’t read enough studies to have a firm opinion on the issue.

Insurance companies were happy that DeSantis vetoed the bill, though they do acknowledge that PIP reform is needed.

“PIP is riddled with fraud. It is a problem,” says Michael Carlson, President and CEO of the Personal Insurance Federation of Florida (PIFF). “We have state law enforcement constantly working to root it out, to prosecute those folks who commit it.”

That fraud plays itself by in several ways, Carlson says, such as a “whole cottage industry of phony medical providers” that send fraudulent medical bills to auto insurance companies.  “They’ll charge soft-tissue treatments of various kinds…they’ll charge it until they hit $10,000 and then suddenly that patient is fine, and they won’t charge anymore.” 

There are also incidents with motorists staging accidents, and Tampa and Miami are known as being among the top cities in the country where such fraud is prevalent.

In July, CFO Jimmy Patronis announced the arrest of Angela Ippolito Duncan, owner of the Ybor Medical Center, for allegedly planning and participating in staged car accidents to submit more than $970,000 in fake accident automobile insurance claims. According to a press release from the CFO’s office, the investigation revealed that Duncan recruited an undercover detective to participate in an intentional motor vehicle traffic crash, provided the passengers for the vehicles, and directed all the participants for treatment at the Ybor Medical Center.

“Scam artists are working every day to drive up your insurance rates to line their own pockets,” Patronis said after the arrest was made.

Another factor in driving up rates that hasn’t been addressed by state lawmakers is glass replacement fraud, which observers say has gone unchecked for years. This is where contractors literally will go after motorists in parking lots, gas stations or knock on their front doors to inform that they can have their windshields replaced for no cost if they have comprehensive insurance coverage, which about 90% of Florida drivers have, according to Mark Friedlander with the Insurance Information Institute.

What motorists don’t realize, however, is that once they sign the paperwork with those contractors to get their windshield replaced, they have “assigned” a law firm to handle the issue with their insurance company. That assignment of benefits (AOB) with auto glass has led to an explosion of lawsuits filed in Florida over the past decade by more than 4,000%, according to a consortium of organizations calling themselves “Fix the Cracks” who want the state to address the issue.

“This is an area of law where these cases were virtually nonexistent 10 years ago, and now they’ve perforated into the thousands, and the only explanation is that there was either a massive meteorite shower that went over the state of Florida, or the incentive for attorney’s fees are driving this and the loophole that was allowed to be created for auto glass claims is still in existence,” says William Large, the president of the Florida Justice Reform Institute.

The Bankrate report also states that Florida drivers spend the second highest proportion of their money on car insurance at 4.42% of their income, trailing only Louisiana (5.26%). And of all the metro areas in the nation analyzed, Miami and Tampa drivers spend the highest percentage of their annual income on their car insurance coverage, at 5.58% and 4.49%, respectively. The average American motorist spends 2.57% of their annual income on auto insurance.

Another factor in Florida’s auto insurance rates being among the highest in the nation are our frequent storms and flooding, and the fact that we have a lot of auto accidents. And keep in mind that Florida has a very high percentage of seniors 65 and older, according to U.S. Census data.

There were 3,737 fatalities from car crashes last year, making Florida the third most dangerous state to drive in the country, according to the National Highway Traffic Safety Administration.  There were more than 400,000 automobile crashes in Florida in 2021, resulting in more than 252,000 injuries from those crashes.

Also, one out of every 5 drivers (20.4 percent) in the state is uninsured, the sixth highest rate in the nation.

While the issues in Florida contribute to our higher-than-average premiums, national and global issues play a part as well, such as inflation and the breakdown in the supply chain that has raised rates everywhere.

“You had inflation affecting new vehicles, the cost of used vehicles, the availability of spare parts and the cost of labor. So all of that means when an insurance company has to make you right after a crash, they have a bigger payout. And if they have a bigger payout, now they have to recover that somewhere,” says Michael Giusti, a senior reporter and analyst for insurancequotes.com

Whether the Legislature is poised to take up any of these issues next year isn’t certain, but observers note that after the governor vetoed the PIP bill in 2021, the appetite for auto insurance reform in Tallahassee has chilled considerably.

So will the Legislature attempt auto insurance reform in 2023?

“I don’t think so,” Large says. “I think that the advocates who are moving for a bill to go from PIP to BI probably got a very clear message from Gov. DeSantis vis a vis his veto, and I don’t think they’re going to try to bring up a bill up in 2023.”

But the future isn’t all bad news for Floridians hoping to save on their auto insurance bills. Unlike property insurers, who are dissolving and abandoning Florida at an alarming rate, the auto insurance industry remains robust in Florida, with more than 50 companies writing policies for motorists.

“If you look at all the insurance products around the country, auto insurance is the most competitive,” says Friedlander. “Rates vary significantly between companies. And we always recommend (that you) shop your coverage if your rates are going up, because you can get multiple quotes and different discount programs that will help you.”

Here’s a list of car insurance rates by states and Washington, D.C. in 2022, from an analysis by insure.com:

State 2022 Full Coverage
(year)
Difference from  from National Average  ($1,682 in 2022) in %
Florida $2,560  52%
Louisiana  $2,546 51%
Delaware $2,137 27%
Michigan $2,133 27%
California $2,115 26%
Kentucky $2,105 25%
Missouri $2,104 25%
Nevada $2,023 20%
New York $2,020 20%
Nebraska $2,018 20%
Colorado $1,940 15%
New Jersey $1,901 13%
South Carolina $1,894 13%
Texas $1,875 11%
Washington, D.C. $1,858 10%
Rhode Island $1,845 10%
Oklahoma $1,797 7%
Connecticut $1,750 4%
Wyoming $1,736 3%
Montana $1,692 1%
Georgia $1,647 -2%
Maryland $1,640 -2%
Arizona $1,617 -4%
West Virginia $1,610 -4%
Mississippi $1,606 -5%
Arkansas $1,597 -5%
Kansas $1,594 -5%
South Dakota $1,581 -6%
Illinois $1,578 -6%
Alabama $1,542 -8%
Massachusetts $1,538 -9%
New Mexico $1,505 -11%
Wisconsin $1,499 -11%
Minnesota $1,493 -11%
Utah $1,469 -13%
Pennsylvania $1,445 -14%
North Dakota $1,419 -16%
Tennessee $1,373 -18%
Washington $1,371 -18%
North Carolina $1,368 -19%
Alaska $1,359 -19%
Iowa $1,321 -21%
Virginia $1,321 -21%
New Hampshire $1,307 -22%
Hawaii $1,306 -22%
Indiana $1,256 -25%
Oregon $1,244 -26%
Vermont $1,158 -31%
Idaho $1,121 -33%
Maine $1,116 -34%
Ohio $1,023 -39%

https://floridaphoenix.com/2022/11/23/add-auto-insurance-to-the-increasing-costs-of-living-in-florida/ 

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Florida Justice Reform Institute

DeSantis’ bid in special session for OSHA alternative might not work in practice

November 2, 2021/in Florida Phoenix

 

Florida Phoenix

DeSantis’ bid in special session for OSHA alternative might not work in practice

But Biden’s vaccine mandates for employers faces political, legal tests

BY: MICHAEL MOLINE – NOVEMBER 2, 2021 7:00 AM

FL Capitol

Florida’s Capitol, Jan. 6, 2021. Credit: Michael Moline/Florida Phoenix

Gov. Ron DeSantis’ record in office indicates he will pretty much get anything he wants from the Legislature during the impending special session on COVID-19 policy. The fellow Republicans who run the House and Senate have rarely told the governor “No.”

That means DeSantis can look forward to signing into law measures clamping down on local school boards trying to assert their own authority over whether kids need to wear masks; shoring up Florida’s new Parents’ Bill of Rights law to that same effect; and protecting workers against what he is calling “unfair discrimination on the basis of COVID-19 vaccination status.”

Gov DeSantis Gov. Ron DeSantis speaks during a news conference in Lakeland on Oct. 28, 2021, as Attorney General Ashley Moody looks on. Source: Screenshot/DeSantis Facebook page

Although the governor has railed against the chance that workers, especially in public safety, might be fired for refusing vaccines, his formal call for the special session is more specific about the rights of those who do lose jobs, directing the Legislature to ensure that they will be “eligible for reemployment benefits and, if needed, ensure that employees injured by a COVID-19 vaccination taken pursuant to a company policy are covered by workers’ compensation.”

Less clear is whether the Legislature will set up a state-run agency to supersede the U.S. Occupational Safety and Health Administration (OSHA), an agency within the U.S. Department of Labor that sets standard for safe and healthful workplaces, or what a state version would do exactly and how.

What top Republicans do say is that the idea is to free employers of an impending Biden administration order that companies with more than 100 employees much ensure they are vaccinated or, as an alternative, submit to weekly coronavirus testing.

Timothy Loftus, of the Center for Ethics and Public Service at the University of Miami School of Law, dismissed the OSHA alternative idea, which originated with House Speaker Chris Sprowls and Senate President Wilton Simpson, as “crazy talk” — at least regarding any hope of overruling federal regulators.

“We don’t pass federal laws and then invite people to participate,” Loftus said in a telephone interview.

Business qualms
Business organizations have been muted on the overall session agenda, including bans on vaccine mandates. In a written statement on Monday, the Florida Chamber of Commerce seemed intent on leaving as little daylight between itself and the governor as possible.

“Like Gov. DeSantis, we remain frustrated by the federal government’s decision to dictate a decision best left up to the free market. In a free market society, consumers, employees and employers are in the best position to make these choices for themselves without any government intervention,” Chamber President and CEO Mark Wilson said.

“As with any legislation, we look forward to reviewing the details with our members and ensuring any final bill helps Florida compete and aligns with our mission to continue doing what job creators do best — create jobs in Florida,” he said.

Loftus, of the U.M. law school, argued that corporations, otherwise natural DeSantis allies, welcome what the governor calls federal overreach. “It’s less people getting sick; it means they can work more fluidly and COVID becomes less of an issue,” he said.

“If you’re a CEO, you’re happy. You get what you want to run your company. You lay the blame on the Biden administration. You tell DeSantis, ‘Sorry, I’m listening to the federal government; I don’t have to listen to you, I don’t have to listen to Greg Abbott in Texas,’ and you get a pass.”

“I think it’s anti-business. I think that, should the governor’s proposals ultimately pass, it’s going to make it less safe for Floridians and could potentially contribute to another surge — which is exactly what Florida’s economy does not need,” Fentrice Driskell of Hillsborough County, policy chief for Democrats in the state House, said of the DeSantis agenda.

“It seems that this governor is so bent on fighting President Biden rather than fighting the virus,” she said.

Driskell added: “The thought of Florida leaving OSHA is preposterous, it’s ridiculous, it’s expensive, it’s going to cost millions of dollars and take years.”

The OSHA talk thus far has been too vague, the AFL-CIO’s Templin said. The governor said only that the Legislature should “evaluate whether it should assert jurisdiction over occupational safety and health issues for government and private employees.”

“Are we going to try to do this in four days? Are we going to set up an independent commission to look at this over the next many months? Are we going to have hearings with worker-safety experts, unions, corporations? Is everybody going to be invited to the table? We still just don’t know.

“That all speaks to a political gesture, as opposed to a real policy endeavor,” Templin said.

William Large William W. Large, president, Florida Justice Reform Institute. Credit. FJRI website.

Even William Large, the conservative president of the Florida Justice Reform Institute, was skeptical.

“The proposal to withdraw from OSHA is short-sighted and will not result in immediately avoiding any OSHA-imposed vaccine mandate, as any state-led occupational health and safety plan will have to meet federal approval and it will also necessitate a substantial expansion of Florida government to handle the workplace health and safety issues currently handled by OSHA,” Large said vie email.

‘All one team’
DeSantis had been foreshadowing a special session and finally issued his call on Friday, ordering the Legislature to convene from Nov. 15 through no later than Nov. 19, when lawmakers already were set to be in Tallahassee for committee meetings in advance of the regular session, due to kick off on Jan. 11.

“Your right to earn a living should not be contingent upon COVID shots,” DeSantis said in a written statement on Friday. He and Attorney General Ashley Moody, a fellow Republican, had already filed a lawsuit challenging a Biden vax mandate for federal contractors. Another Biden rule would deny Medicaid and Medicare money for health providers who don’t require vaccines of employees.

“Of course, writing the actual legislation to protect Floridians will be up to state lawmakers,” press secretary Christina Pushaw said in a written statement on Monday.

“We are confident that House and Senate leadership share the governor’s goals for the session: protecting Floridians’ jobs and constitutional rights. We look forward to seeing the legislation they propose to achieve this shared objective, and we’re eager to work with lawmakers to ensure that ‘two weeks to slow the spread’ does not become ‘three jabs to keep your job,’” Pushaw said.

“Under the leadership of Gov. DeSantis and the Florida Legislature, Florida has been a beacon of hope, and we intend to keep it that way. We look forward to working with Gov. DeSantis and our colleagues to craft, debate, and pass thoughtful legislation that keeps Florida open for business and prioritizes people, parents and businesses over government,” Sprowls and Simpson said in a joint written statement on Friday.

“During the special session, we will do everything within our power as a state to protect Floridians from the unconstitutional, un-American, and morally reprehensible overreaches on the part of the federal government,” they said.

“We’re all one team. We show how conservative governance is done, between the speaker, the governor, and the president of the Senate,” Republican State Rep. Randy Fine, who represents part of Brevard County, said in a telephone interview.

Fine wouldn’t endorse any legislation before he reads a draft but said: “I think if the governor and the leadership agree on something it’s highly likely that the majority in both chambers will support it.”

Elsewhere, the Iowa Legislature has approved legislation to block a Biden mandate and a special session along the same lines is planned in Idaho.

Florida would be absolutely within its authority if it set up its own version of OSHA — federal law explicitly allows it, and 22 states have created such agencies, by OSHA’s own tally, covering state and local workers and in some cases private employees.

A state agency might not be free to countermand federal regulations, however. An OSHA fact sheet makes clear: “State plans are monitored by OSHA and must be at least as effective as OSHA in protecting workers and in preventing work-related injuries, illnesses, and deaths.”

“You run into the ultimate issue that the federal government has the financial hammer. ‘If you’re going to pull out of OSHA or try to challenge us, then we’re going to revoke your funding for this, that, and the other thing,’” Loftus said.

Fine, the Brevard Republican, is all for a state agency.

“I think it’s a great idea. I fully support it. We should drop out of all these federal entities that have been weaponized against states. I think if we could drop out of the FBI I’d probably support that at this point,” he said.

“Anything we can do to protect Florida businesses from a tyrannical federal government, we should be doing.”

OSHA’s authority?
The basic dispute here is between the DeSantis and Biden administrations over the president’s vaccine/testing mandate for employers. Although the courts ultimately will settle that fight, it nevertheless will underlie the special session.

Loftus, for one, is less certain about Biden’s mandate, which as of Monday was still awaiting final approval. He noted that OSHA in promulgating the mandate cites its emergency authority to protect workers against any “grave danger,” according to a Bloomberg News analysis, published on Oct. 22, by James Sullivan of Cozen O’Connor’s OSHA practice.

OSHA argues COVID presents just as real a danger as, say, mishandling volatile chemicals. But it reached that conclusion only after vaccine rates declined nationally — as recently as June, the agency extended that concern only to health care workers, Sullivan wrote.

“What has changed since the pandemic emerged in the U.S. in early 2020 to conclude that now, for the first time, this new vaccination [emergency temporary standard] is necessary to protect all workers from this virus when it was not necessary three to four months ago?” Sullivan wondered.

Additionally: “Who are the millions of workers currently working for employers with less than 100 employees not also presented with this ‘grave danger’ and in need of protection?”

OSHA has defended the authority it cites now six times against federal lawsuits, Sullivan wrote. It won a single case.

DeSantis himself issued a warning to the business community during the Chamber’s annual conference last week.

“Don’t ever think that caving to the mob is going to save your bacon. That’s just going to cause them to come back more,” he said, according to a report by the Miami Herald-Tampa Bay Times capital bureau.

“You know, if you do it, you are also going to come by some people on the other side, like me, who are going to say well, wait a minute, if you’re going to criticize what we’re doing I may criticize some of the things you are doing,’’ he added.

“I may look under the hood and not like some things,’’ he warned. “I got a podium. I got cameras that will follow me around. Maybe I’ll go talk about that a little bit. And so, I think it’s something that’s very damaging.”

https://floridaphoenix.com/2021/11/02/desantis-bid-in-special-session-for-osha-alternative-might-not-work-in-practice/ 

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Florida Justice Reform Institute

Fast tracking to protect businesses from COVID lawsuits? FL Legislature hasn’t convened yet and vote in full House is near

February 16, 2021/in Florida Phoenix

 

Florida Phoenix

Fast tracking to protect businesses from COVID lawsuits? FL Legislature hasn’t convened yet and vote in full House is near

By Michael Moline -February 16, 2021

FL State Capitol The Historic Capitol, foreground, and Florida Capitol buildings. Photo Colin Hackley

The House version of legislation to protect businesses from COVID lawsuits is preparing for its final committee vote Tuesday afternoon before heading to the full House.

That’s fast — the Florida Legislature doesn’t even convene until March 2.

It’s a testament to GOP leaders who want this legislation to happen for a swath of businesses.

Meanwhile, Democrats, as well as trial lawyers and labor and consumer groups are against the provisions to help shield businesses from COVID-related lawsuits.

That’s all presuming the bill (HB 7) secures the support of the Republicans who also control the Judiciary Committee, chaired by Miami-Dade Republican Daniel Perez.

In previous votes over the past six weeks by the committees on Civil Justice and Pandemics and Public Emergencies, the measure passed on party-line votes.

“They’re going to take it up on short order” on the House floor, William Large, president of the Florida Justice Reform Institute, a lobby that favors the legislation, told the Phoenix — although he didn’t know the exact timing.

Similar legislation pending in the Senate (SB 72) has already passed the Judiciary Committee (chaired by Pinellas Republican Jeff Brandes, the bill’s author) and is awaiting a hearing before the Commerce and Tourism Committee.

Separate bills pending in both chambers would erect litigation shields for medical providers, including hospitals, nursing homes, doctors, and nurses.

Business interests favor both bills, which they see as necessary to prevent a potential onslaught of litigation against businesses, big and small, still struggling with the COVID recession.

Trial lawyers, labor, and groups representing consumers argue there has been no onslaught and that the measures would issue a blank check for bad actors among the business community.

The general business legislation in both chambers would also apply to actions against individuals, charitable organizations, nonprofits, public or private educational institutions, government entities, and religious institutions.

Before any lawsuit could commence, a plaintiff would have to secure a doctor’s affidavit linking a COVID infection to a particular workplace. Defendants would be exempt from lawsuits if they made good-faith efforts to follow the best available medical and government guidelines for COVID control. Additionally, plaintiffs would have to establish gross negligence.

https://www.floridaphoenix.com/2021/02/16/fast-tracking-to-protect-businesses-from-covid-lawsuits-fl-legislature-hasnt-convened-yet-and-vote-in-full-house-is-near/ 

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Florida Justice Reform Institute

FL Legislature 2021: FL’s business lobby and state’s trial lawyers clash: GOP wants to protect businesses from COVID lawsuits and possibly more

February 15, 2021/in Florida Phoenix

 

Florida Phoenix

FL Legislature 2021: FL’s business lobby and state’s trial lawyers clash: GOP wants to protect businesses from COVID lawsuits and possibly more

By Michael Moline – February 15, 2021

FL Capitol Florida’s Capitol, Jan. 6, 2021. Credit: Michael Moline/Florida Phoenix

Barbara DeVane, lobbyist since 1972 for progressive causes in Tallahassee, offered some historical perspective last week to several senators considering whether to shield medical institutions, including hospitals and nursing homes, from liability from COVID lawsuits.

The Senate’s Judiciary Committee was debating a bill by its own chairman — Pinellas Republican Jeff Brandes — and voting down a series of Democratic amendments to weaken the bill.

To DeVane, representing Florida NOW and the Florida Alliance of Retired Americans, this was just another chapter in a decades-long campaign to restrict access to the courtroom.

“The tort reformers come and go, about every 20 years,” she testified.

“And here we go again. The only people that this bill will protect are the owners, the corporate owners, of nursing homes. They make a lot of money off of us who are residents in nursing homes, and they want to make more with bills like this.”

Brandes, though, pushing for protecting businesses, including the health care industry, from COVID lawsuits, reminded committee members of the confusion during the pandemic’s early days, when nobody understood how to guard against infection.

Brandes FL Sen. Jeff Brandes, R-St. Petersburg. Credit: Colin Hackley

“We are asking in this piece of legislation that we protect our health-care industry that has gone over and above the call of duty in order to protect and serve every resident of the state who needed help.”

That’s how the sides line up in a sharp debate over COVID liability protection and who will benefit most. Florida’s businesses, lawyers, and lobbyists? What about ordinary people who got infected on the job or in a health care facility?

House and Senate leaders, with backing from Gov. Ron DeSantis, are fast-tracking separate bills erecting barriers to lawsuits for people suing general businesses and medical providers for exposing them to the coronavirus.

Long struggle

It’s the latest battle in a decades-long war over tort reform between the cream of Florida’s business lobby and the state’s trial lawyers in the form of the Florida Justice Association — the latter allied with groups dedicated to looking out for the little guy, including DeVane’s groups and the AFL-CIO.

Torts are wrongful acts amenable to compensation through the civil trial system: People who’ve suffered harm — or plaintiffs — hire attorneys to press their claims in court, generally paying a share of whatever they recover through trials or settlements.

Tort reformers want to make it harder for them to do that by erecting barriers to the courthouse, they contend on the ground that the process is subject to abuse that can harm small businesses and enrich unscrupulous lawyers.

Business interests have been grinding away at tort reform for decades in areas including workers’ compensation insurance, personal injury protection (PIP) auto coverage, property insurance, and more. (Here’s a rundown by the Florida Justice Reform Institute, a tort reform group.)

Democratic state Sen. Tina Polsky, a mediation attorney who represents Palm Beach County and part of Broward, like DeVane, sees the push for COVID liability shields as one more whack at the tort system.

Polsky State Sen. Tina Polsky, a Democrat representing part of Palm Beach County. Credit: Florida House of Representatives.

“I think it is part of the process of eventually getting to tort reform. It’s unique circumstances — if we didn’t have the COVID pandemic these particular bills wouldn’t be here,” Polsky told the Phoenix following the committee hearing.

But to House and Senate leaders, tort reform “is a priority, and they are looking for ways to get there. This is one of the vehicles,” she said.

The Florida Phoenix reported here about the details of the legislation targeting lawsuits against businesses, which also would apply to actions against individuals, charitable organizations, nonprofits, public or private educational institutions, government entities, and religious institutions.

The News Service of Florida provided a good explainer on the medical angle here. The bill would cover individual practitioners including doctors and nurses, plus hospitals, nursing homes, and other medical facilities. Nursing homes and assisted living facilities alone have seen 9,710 resident and 93 staff deaths, plus 231 deaths under investigation, according to the latest Florida Department of Health data.

The gist of the legislation is that businesses and health care providers can knock out lawsuits early if they followed the best available medical advice and government guidelines.

The House and Senate bills contain most of the asks sought by a Reset Liability Task Force organized by the most ardent tort reformers in Florida, including the justice reform institute, Associated Industries of Florida, the National Federation of Independent Business, the Florida Retail Federation, the Florida Restaurant & Lodging Association, the Florida Hospital Association, and the Florida Senior Living Association, plus insurance industry groups — 60 organizations in all.

The groups are in line to win one goal, the task force report says — “exempting essential businesses entirely from COVID-19 liability.”

“Blanket immunity” for “bad actors”

To critics, including Stephen Cain, a Miami trial attorney and an officer with the Florida Justice Association, the legislation would reward “bad actors” with “blanket immunity” by making it all but impossible to go to court, as he testified from an earlier legislative committee meeting.

Cain represents the family of Gerardo “Gerry” Gutierrez, who’s suing Publix on allegations that he caught COVID and died after the company refused to let workers wear face masks on the job, according his law firm.

“Floridians are being misled on purpose about the dangers this legislation represents for people working on the frontlines in our airports, retail stores, delivering packages, and so many other places,” said Mark Ferrulo, executive director of Progress Florida, in a written statement.

“This is another case of profits over people and bowing to special interests instead of serving the public interest. Legislators supporting this sham should be ashamed.”

It’s not clear how many lawsuits we’re taking about.

William Large  William W. Large, president, Florida Justice Reform Institute. Credit. FJRI website.

William Large, president of the justice reform institute, has identified 49 COVID-related lawsuits filed in Florida and acknowledges he has missed some. Nine of them target operators of cruise ships, alleging failure to protect passengers or crew members against the coronavirus.

Eight are pending in federal court, and so would be outside the reach of the legislation. The ninth cruise claim is pending in Miami-Dade County Circuit Court.

Another nine cases raise claims against nursing homes in state trial courts, although three of these have been removed to U.S. district courts. Twenty-two accuse the Duval County Sheriff’s Department of exposing inmates to the virus. Other accuse employers and business owners of failure to take care against exposing workers and customers.

“There is a wave of litigation coming,” Large said during testimony before Brandes’ committee last week.

Robin Khanal, an Orlando lawyer who defends nursing homes and assisted living facilities in liability cases, testified that his firm alone is working on 60 claims against clients.

Meanwhile, the American Tort Reform Association issued a report identifying more than $6.6 million in attorney advertisements in Florida seeking COVID-related work. Additionally, the nonpartisan Florida TaxWatch has estimated COVID-related litigation could cost the state’s economy $27.6 billion and as much as 356 jobs per year.

Critics contend these fears are overblown.

“There aren’t a flood of lawsuits, particularly with the business liability,” Polsky told the Phoenix.

“Let’s be realistic: Lawyers take these cases on contingency. They’re not going to get paid if they lose the case. They’re going to have to put up a lot of money — especially in these medical-type cases. You need experts. That costs a lot of money.”

“Judicial hell hole”

Brandes takes a dimmer view of the trial bar.

“Florida is considered a judicial hell hole. The two things that we know when we look up in Florida is you’re going to see the sun and a trial lawyer’s face on a billboard,” he told the Phoenix in a telephone interview.

“What we’re trying to do is sift out the legitimate claims where people were truly grossly negligent, If they knowingly told people who had active COVID to come back to work, clearly that would be considered grossly negligent.”

These bills represent the vanguard of tort reform efforts in the Legislature this year. PIP reform is back, via SB 54, which would replace a liability system business considers rife with fraud with more straightforward bodily injury coverage. That bill also would make it harder for plaintiffs to claim bad faith by insurance companies if they delay payouts.

HB 561 and the companion SB 846 would make it harder for lawyers to send injured clients to hand-picked doctors who might run up medical costs to inflate payouts.

“Florida businesses and health care providers are very concerned about lawsuits. I think their voices have been heard by leaders of the House and Senate on those subjects,” Large said.

Notably, Republican attorney Anitere Flores has termed out of the Senate, which in recent years has been more skeptical than the House of tort reform. As chair of the Banking & Insurance Committee, she rode herd on the reformers for the past two years. Her replacement in that seat is fellow Republican Jim Boyd of Bradenton, who lists his employment as insurance and investments.

Polsky finds the situation worrisome.

“If they are successful with this [COVID liability limits], then — not that there’ll be another pandemic — but why not keep going? It’s what we have with a woman’s right to choose — a chipping away.”

https://www.floridaphoenix.com/2021/02/15/fl-legislature-2021-fls-business-lobby-and-states-trial-lawyers-clash-gop-wants-to-protect-businesses-from-covid-lawsuits-and-possibly-more/ 

https://www.fljustice.org/wp-content/uploads/2024/11/fjri-news.jpg 800 800 RAD Tech https://www.fljustice.org/wp-content/uploads/2024/11/Florida-Justice-Reform-Institute.jpg RAD Tech2021-02-15 15:50:032024-12-11 17:56:34FL Legislature 2021: FL’s business lobby and state’s trial lawyers clash: GOP wants to protect businesses from COVID lawsuits and possibly more
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