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Staged accident schemes and fraud among reason for FL having the most expensive auto insurance rates in the US | Business



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 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, 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believed that they had addressed the issue to some extent in 2021, when they passed a bill (SB 54) that would have repealed the state’s “no fault” insurance law that requires that motorists carry $10,000 in personal-injury protection (PIP) coverage to help pay their medical costs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 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 The study from Pinnacle Actuarial Resources determined that if “no fault” was repealed, motorists would have seen their insurance premiums increase by 13%, or approximately $202 per vehicle annually.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.

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

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

State 2022 Full Coverage (year) Difference 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%

This report first appeared on the website of the Florida Phoenix, a nonprofit news organization dedicated to coverage of state government and politics from Tallahassee.

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North America

Multiple vehicle crash calls – Loveland Reporter-Herald




Loveland Police Department arrests


• 4:36 p.m. At 42nd Street Southeast and South Lincoln Avenue, a 22-year-old Fort Collins man for investigation of DUI, careless driving and driving with an open alcoholic beverage container.


• 10:28 a.m. In the 4000 block of Rockvale Drive, a 74-year-old Fort Collins man for investigation of physical harassment and domestic violence.

• 9:15 p.m. In the 800 block of South Tyler Avenue, a 31-year-old Loveland man for investigation of physical harassment, obstructing a peace officer and resisting arrest.

• 11:29 p.m. At Third Street and Jefferson Avenue, a 32-year-old Fort Collins man for investigation of third-degree assault and on a misdemeanor and felony warrants.

• 11:32 p.m. At East Third Street and North Jefferson Avenue, a 31-year-old man believed to be homeless for investigation of third-degree assault.


• 12:21 a.m. In the 1600 block of Pinyon Court, two 36-year-old Loveland women for investigation of violation of a protection order.

• 12:54 a.m. In the 1600 block of Pinyon Court,  a 41-year-old Loveland man for investigation of criminal mischief and domestic violence.

• 10:26 a.m. At the Loveland Police Department, a 50-year-old Loveland man on a misdemeanor warrant.

• 2:49 p.m. At the Loveland Police Department, a 36-year-old Loveland woman on a misdemeanor failure-to-appear warrant.

Loveland Police Department calls


• Noon. Physical disturbance, 800 block North Lincoln Avenue.

• 1 p.m. Trespassing, King Soopers, 253 E. 29th St.

• 1 p.m. Scam, 1200 block South Edinburgh Drive.

• 2 p.m. Vehicle crash with injury, North Cleveland Avenue and East 10th Street.

• 2 p.m. Hit and run, East First Street and South St. Louis Avenue.

• 3 p.m. Noninjury vehicle crash, 200 block West Sixth Street.

• 3 p.m. Vehicle crash with extrication, 42nd Street Southeast and South Lincoln Avenue.

• 3 p.m. Harassment, 900 block North Lincoln Avenue.

• 4 p.m. Suspected drunken driver, North Boyd Lake Avenue and East Eisenhower Boulevard.

• 4 p.m. Noninjury vehicle crash, East 37th Street and North Garfield Avenue.

• 4 p.m. Fraud, 2100 block South Garfield Avenue.

• 4 p.m. Hit and run, East First Street and South St. Louis Avenue.

• 4 p.m. Shoplifting, Sam’s Club, 1200 E. Eisenhower Blvd.

• 5 p.m. Vehicle trespassing, 900 block East Eisenhower Boulevard.

• 6 p.m. Vehicle crash with extrication, East 57th Street and North Garfield Avenue.

• 8 p.m. Vehicle theft, 2100 block Maple Drive.

• 10 p.m. Weapons complaint, 4200 block Georgetown Drive.

• 10 p.m. Physical disturbance, East Fourth Street and North Washington Avenue.

• 10 p.m. Shoplifting, Target, 1725 Rocky Mountain Ave.


• Midnight. Criminal mischief, 1600 block Pinyon Court.

• 6 a.m. Suspected drunken driver, West Eisenhower Boulevard and North Wilson Avenue.

• 7 a.m. Criminal mischief, 2100 block Wimbleton Drive.

• 8 a.m. Theft, 2300 block Ulmus Drive.

• 9 a.m. Drug call, 3500 block Mountain Lion Drive.

• 9 a.m. Vehicle theft, West 42rd Street and Julesburg Drive.

• 9 a.m. Suspected drunken driver, North Van Buren Avenue and West Eisenhower Boulevard.

• 9 a.m. Noninjury vehicle crash, 100 block East Eisenhower Boulevard.

• 9 a.m. Trespassing, AIIM Program and Loveland Wellness Court, 810 E. 10th St.

• 11 a.m. Trespassing, 2100 block Maple Drive.

• 11 a.m. Theft, 400 block West 64th Street.

• 11 a.m. Trespassing, 600 block East 23rd Street.

• 11 a.m. Noninjury vehicle crash, East Seventh Street and North Lincoln Avenue.

Larimer County Sheriff’s Office arrests


• 8:09 p.m. At South U.S. 287 and West County Road 2E, a 19-year-old Longmont man on two failure-to-appear warrants.


• 12:14 a.m. At West 65th Street and North Garfield, a 44-year-old Fort Collins man on a municipal warrant.

Larimer County Sheriff’s Office Berthoud calls


• 2:51 p.m. Animal call, 900 block Kansas Avenue.

• 4:56 p.m. Missing child, 900 block Massachusetts Avenue.


• 6:42 a.m. Burglar alarm, 700 block Second Street.

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Bomb Threat, Stolen Vehicle, Fraud, and More: Coconut Creek Police Response Report, Nov. 29 – Dec. 5 –




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Fairbanks man sentenced to 78 months for years-long fraud and identity theft




Fairbanks, Alaska (KINY) – According to court documents, between 2017 and 2021, Post and his co-conspirator committed bank fraud and aggravated identity theft and defrauded multiple banks and individuals of at least $100,000.

26-year-old Jared Wilkes Post was sentenced by Senior U.S. District Judge Ralph R. Beistline to 78 months of imprisonment and ordered to pay at least $100,000 in restitution for defrauding banks and other victims of over $100,000 through a sophisticated check kiting and identity theft scheme.

Post contacted individuals he called “Plays” via social media and convinced them to share their bank account information under the false pretense that Post needed to deposit a legitimate check into the “Play’s” account.

Post then offered the “Play” a portion of the deposited check in return for use of their bank account.

Once the check posted in the account, Post would withdraw or transfer the funds electronically or direct the “Play” to transfer the funds to him via a cash app or Western Union.

In reality, the checks Post and his co-conspirator deposited were stolen and fraudulently altered, and they withdrew the funds prior to the banks’ flagging the checks as fraudulent.

Post and his co-conspirator discussed stealing the checks from the elderly and other victims they viewed as vulnerable to “scams”.

Once Post withdrew the cash, the banks, the “Plays”, and the initial victim whose checks were stolen were left paying losses and overdraft fees.

“Elder abuse and financial fraud targeted at seniors is a serious crime against some of our nation’s most vulnerable citizens,” said U.S. Attorney S. Lane Tucker, District of Alaska. “Today’s sentence sends a strong message that fraudulent conduct on this scale will be met with serious consequences. Predators who target older citizens for fraud and financial scams are especially abhorrent and my office will continue to take aggressive action, pursuing all legal means to bring these criminals to justice.”

Special Agent in Charge Antony Jung of the FBI Anchorage Field Office also commented on the crimes committed.

“Motivated by greed, the defendant and his co-conspirator operated a sophisticated check fraud scheme, targeting victims they perceived as vulnerable. This scheme led to prison time and should serve as a message to anyone who would engage in this conduct to reconsider. The FBI and our law enforcement partners will continue to hold accountable those who commit such offenses.”

The FBI Anchorage Field Office, Alaska State Troopers, Fairbanks Police Department, Anchorage Police Department, and the Vancouver, Washington Police Department are investigating the case.

The FBI’s Phoenix Field Office assisted in the investigation.

This case is being prosecuted by Assistant U.S. Attorney Ryan D. Tansey.

Anyone who believes they may be a victim of this scheme and entitled to restitution may contact the FBI Anchorage Field Office at 907-276-4441.

The District Court will hold a restitution hearing in 90 days to enter a final restitution order.

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