Senate bill aims to replace PIP insurance Feb 17, 2021 By Gary Blankenship Senior Editor Top Stories ‘We’re trying to get to the best balance, the best right answer’ Sen. Danny BurgessA measure repealing Florida’s no-fault, person injury protection (PIP) auto insurance system and replacing it with an at-fault, bodily injury system has passed its second Senate Committee.The Senate Judiciary Committee on February 15 passed SB 54, which would do away with PIP, raise required coverage limits on policies, offer lower limits for students and low-income drivers, and make it harder to sue insurance companies for bad faith. Those seeking bad faith actions would have to show the insurer violated its duty of good faith to the insured and in failing to settle a claim.The bill also eliminates limits on recovering pain and suffering damages from PIP insured and would allow liability for uninsured motorists to include pain and suffering and other injuries.Instead of the current limits of $10,000 personal injury protection for one person, $20,000 for multiple persons injured in an accident, and $10,000 for property damage protections, the bill would set a limit of $25,000 protection for an injured person, $50,000 for multiple persons injured, and $10,000 for property damage.“This is a massive sea change and there are a number of ways we could approach this,” said Sen. Danny Burgess, R-Zephyrhills, one of the bill’s sponsors. “We’re trying to get to the best balance, the best right answer.”An amendment adopted at the meeting would allow college and high school students and those making less than 200% of the federal poverty income to purchase policies with lower limits of $15,000/$30,000/$10,000 for the three coverage categories.The amendment would also allow insurance companies to offer policies with up to a $200 deductible for windshield replacement. State law currently requires insurance companies to cover the entire cost of replacing cracked or damaged windshields.Sen. Perry E. Thurston, Jr.Sen. Perry Thurston, D-Ft. Lauderdale, introduced an amendment to strike the bad faith changes from the bill.He said the proposed bill had deficiencies in demand letter requirements, blocked conditions of acceptance from settlements that could produce additional litigation on whether the demand letter complied with the law, would allow an insurance company to offer policy limits but take no further action to protect the policyholder from additional damages, and changes when a bad faith claim could be tried.“It requires an excess judgment as a condition precedent to filing a bad faith claim. Sometimes the parties will agree to try the bad faith claim…before the issuance of a final judgment just as a means of accelerating a settlement,” Thurston said.Kathy Mauss, with the Florida Justice Reform Institute, opposed Thurston’s amendment.“Bad faith is essential to be included in any decision made to eliminate PIP coverage and go to a mandatory BI [bodily injury] system,” she said, adding in some cases bad faith can be asserted even before a claim or notice is made.Not changing bad faith and failing to make other changes made in the bill “will further ruin a system that is already very challenged,” Mauss said. “All we’re asking for is there be given notice to the insurance company that a claim exists, be given notice of an opportunity to settle that claim, and only then if they are not accepted [to file a bad faith action].”However, Matthew Posgay, an attorney who represents policyholders, said the provision would hurt small businesses that could be left liable for excess judgements.“This is not a small change, this is a significant change that will eliminate protections for small businesses that we need to protect,” Posgay said. “Doing this means insurance companies can do wrong, get paid for doing work that they didn’t do right, then their insured or small businesses are left holding all the cards through no fault of their own.”He also argued under the bill anyone injured in a car accident would have to seek an attorney’s help in order to file a claim.Sen. Doug Broxson, R-Pensacola, opposed Thurston’s amendment, saying it would defeat the purpose of replacing PIP system, would create market uncertainty, and lead to higher premiums.Thurston’s amendment failed on a voice vote.Sen. Darryl Rouson, D-St. Petersburg, said he would support the bill in committee, but continue to seek changes to the bad faith provisions.Eric Romano, president of the Florida Justice Association, said he was concerned there was no requirement that people seeking the lower limit policies prove they met the income requirements.“With no penalty to the customer, no penalty to the insurer, it creates an unenforceable honor system with no consequences,” he said.Romano also endorsed Posgay’s criticisms of the bad faith sections, although he said the FJA generally supports the change to an at-fault, bodily injury system.He said a study by the FJA Foundation shows the change could save two thirds of Florida drivers $349 a year on auto insurance while 6.2% would see a slight increase.Burgess called the current system broken.“What we’re trying to do here is actually go in a direction where we do reduce litigation, because personal injury protection in Florida’s no-fault system has failed to do just that,” he said. “Meanwhile, the cost of PIP remains very, very high compared to benefits that it does provide….“This has been a bill that has been before us for a number of years and this is the year we need to look to finally put this issue to bed and ensure that Florida has joined 48 other states in the union in doing so.”SB 54, which would become effective January 1, passed 7-2, and earlier passed the Banking and Insurance Committee 10-2. It next goes to the Rules Committee and then the Senate floor. Two similar or related bills, HB 719 and HB 273, have been filed in the House and referred to committees, although neither has been heard.
Steve works across all of Mobile World Live’s channels and played a lead role in the launch and ongoing success of our apps and devices services. He has been a journalist…More Read more Tags BT has agreed definitive terms to acquire EE for £12.5 billion, as it looks to offer customers “innovative, seamless services that combine the power of fibre broadband and Wi-Fi with advanced mobile capabilities”.In a conference call, Gavin Patterson, BT’s chief executive, said that EE is a “business that complements our own, and will provide us with scale in both fixed and mobile. There is very little overlap in terms of products, so there is significant cross-sell opportunity”.But he also said that this means more than just packaging different services together. “For BT, this is about truly converged services, its not just about selling bundles of two, three or four to the customers. It’s about offering customer a genuinely innovative and seamless service. And it’s not just about converged services. It’s about converged networks.”Patterson said that the EE brand will live on “certainly in the short term”, and will look at the “right combination for brands going forward”. He noted that the company does have a track record of supporting dual-brand operations, for example with both BT and Plusnet used in the consumer internet market.The deal still has to receive clearance, “in particular from the UK Competition & Markets Authority” (CMA). It is expected to complete before the end of BT’s 2015/2016 financial year, depending on the length of review by the CMA.Patterson said that the deal actually puts the UK on a similar terms to other European markets, which have incumbent fixed/mobile players. “We’ve been the outlier for 15 years. There’s plenty of precedent looking at businesses across Europe,” he said.While it is early days for the deal, there are already some dissenting voices. Vittorio Colao, Vodafone CEO, said the deal will create “four Davids and one Goliath”.The payment will be made in cash and shares, and on completion Deutsche Telekom (DT) will hold a 12 per cent stake in BT (appointing one non-executive board member) and Orange will hold a 4 per cent stake.For a three year period, DT will not be able to increase its share above 15 per cent or Orange above 4 per cent, and the companies cannot sell down shares for 18 and 12 months respectively, although Orange can sell shares to DT up to the 15 per cent limit.DT also cannot increase its holding to 15 per cent during the three years in any way other than acquiring part of Orange’s holding.In a statement, Tim Hoettges, chief executive of Deutsche Telekom, said that the deal is about more than “just” the creation of an integrated operator in “Europe’s second largest economy”.“We will be the largest individual shareholder in BT and are laying the foundations for our two companies to be able to work together in the future,” he continued.Orange was perhaps a little less outward-looking, stating that the deal “will enable us to reinforce our balance sheet, thereby providing us with additional room for manoeuvre across our markets”.Stephane Richard, Orange CEO, continued: “By retaining a significant stake in BT, we will also stand to benefit from the synergies of this operation that will lead to the creation of the leading convergent fixed and mobile operator in the UK.” Author AddThis Sharing ButtonsShare to LinkedInLinkedInLinkedInShare to TwitterTwitterTwitterShare to FacebookFacebookFacebookShare to MoreAddThisMore 05 FEB 2015 Previous ArticleSlow progress on Thai ‘digital economy’ laws could delay 4G auctionsNext ArticleTeliaSonera-Tele2 deal gets green light from Norway watchdog Deutsche Telekom eyes 5G, fibre lead Orange Ventures injects €30M into new fund Home BT closes in on £12.5B EE deal Steve Costello Orange makes secure cloud pact for French market Related BTDeutsche TelekomEEFinancialOrange
Las operadoras respaldan el papel de Qualcomm en la RAN abierta Previous ArticleGoogle reveals more progress with Project LoonNext ArticleVerizon hit with $1.35M fine for use of “supercookies” Dixons CarphoneHutchisonIliadO2Vodafone Tags Vodafone, Safaricom beat MTN to Ethiopia licence Home Hutch has “fruitful exchange” with EC over O2 UK deal CK Hutchison’s high-stakes summit with the EC drew existing rivals, and one potential new entrant, but was short on immediate results.Yesterday’s hearing gave Hutchison “the opportunity to have another fruitful exchange with the commission and the member states’ representatives concerning its proposed acquisition of O2 in the UK,” the company said in a statement.However, there has been no subsequent announcement about what remedies Hutch must accept if it wants its £10.25 billion takeover to go ahead.Other attendees included leading rivals in the mobile market Vodafone and BT (owner of EE), according to Reuters and Bloomberg. Also present were other interested parties such as Sky, Liberty Global and TalkTalk. In an increasingly converged marketplace, a wide range of parties have a vested interest in what happens in the Hutch-O2 deal.Most interesting was the presence of Xavier Niel’s Iliad, the disruptive French operator which potentially might enter the UK market, following any merger between Hutch and O2.Iliad appearred to be the only non-UK participant present at the meeting although presumably others are following developments in the hope of taking advantage of the Hutch-O2 deal to enter the UK.Also present was leading MVNO Tesco Telecom. MVNOs are concerned not just about future retail competition but also whether the terms on which they enjoy wholesale access might change.Leading mobile phone retailer Dixons Carphone as well as UKB Networks which offers broadband wireless services to businesses and the public sector were both at the meeting, as was Gamma Communications which provides fixed and mobile services to the enterprise sector. Related Richard Handford Richard is the editor of Mobile World Live’s money channel and a contributor to the daily news service. He is an experienced technology and business journalist who previously worked as a freelancer for many publications over the last decade including… Read more Operators back Qualcomm role in open RAN path Author AddThis Sharing ButtonsShare to LinkedInLinkedInLinkedInShare to TwitterTwitterTwitterShare to FacebookFacebookFacebookShare to MoreAddThisMore 08 MAR 2016
Blog: Could Covid-19 boost the US prepaid market? AddThis Sharing ButtonsShare to LinkedInLinkedInLinkedInShare to TwitterTwitterTwitterShare to FacebookFacebookFacebookShare to MoreAddThisMore 08 NOV 2017 In an interview with Mobile World Live (MWL) last August, Thaddeus Arroyo, then the CEO of AT&T Mexico, was adamant that regulator IFT would not only “take the appropriate measures” to achieve the reforms it set out with the 2014 telecoms law, but accelerate the process.Among the lofty goals targeted, the reform’s main aim was to reduce the dominance of market leader America Movil by promoting competition and level the playing field with laws designed to help existing and incoming players gain a stronger foothold.But, fast forward to more than a year later, and IFT has arguably done the exact opposite to what Arroyo, who has since moved on to head up AT&T Business, had been so confident about some 14 months ago.Last week, the regulator confirmed that rules allowing America Movil to charge rivals for terminating calls on their networks will be re-introduced, marking a major win for the under-fire operator.And more significantly, the move represented the first major roll back of those very reforms introduced just three years ago.Starting from 1 January 2018, America Movil can charge rivals like AT&T and Telefonica for terminating calls on its network, ending so called “zero-rated” termination.America Movil has long argued that those rules in particular were “asymmetrical” as rivals were still able to charge America Movil for the same practice, and they had “led to a loss of business rights”, with significant impact on margins.The Financial Times reported last month that on average, America Movil had been hit by a fall of 40 per cent in cellphone charges for users, since the law was put into place.So, while America Movil’s argument had merit, and even held up with the Mexican Supreme court, the reversal was a slap in the face for AT&T, which entered the market on the back of those 2014 reforms.In an emailed statement to MWL, AT&T said the decision “helps the preponderant and harms consumers and competitors.”“We are disappointed because the new interconnection tariff is a step backwards on the path towards delivering on the objective of the reforms,” an AT&T spokesperson added. Lasting effectIndeed, Arroyo said in his interview last year that the company had only invested in Mexico (through the acquisitions of smaller operators Iusacell and Nextel for a combined $4.4 billion) because of the Mexican government’s drive to shake-up the industry.At the time, he also tipped IFT to ensure that the reforms have a “lasting effect”, unlike previous efforts, while maintaining faith in the regulator’s ability to reduce America Movil’s dominance.IFT defended the move in its own statement last week, stating that the establishment of interconnection tariffs based on costs “is a regulatory policy mechanism that aims to balance competition”, among other factors.But, was it really necessary, at this stage, to re-introduce rules that are favourable to America Movil? Arguably not.While there is now indeed increased competition in Mexico, in the shape of AT&T – one of the largest operators in the world – mobile subscriber figures from the end of September show that America Movil still has a stronghold firmly in place.The company, which operates in the mobile market through subsidiary Telcel, had 73.3 million subscribers at the end of the period, compared to AT&T’s 13.8 million and Telefonica’s 24.5 million, giving it a market share of around 65 per cent, down slightly from its 70 per cent in Q4 2013.A doomed taskWithout debating whether such a slight decline is good enough in the broader context, Wally Swain (pictured), SVP emerging markets at 451 research, told MWL that, in all truth, “any attempt to manipulate the playing field after a player has already achieved 70 per cent plus market share is probably doomed”.“Only hopelessly incompetent government telcos have been successfully dislodged from their high-market share positions, mostly by shooting themselves in the foot,” he said. “America Movil has not done that.”And while the interconnection decision was a blow, and will have an impact on future investment in Mexico, Swain believes the decision is unlikely to lead to AT&T reevaluating its position in the country.“AT&T was attracted to the market by the Mexican government’s openness to new players and zero-rated termination was part of that openness,” he said. “Defeat does not change the government’s stance and a smart company like AT&T probably ran a scenario where termination fees went back to where they were previously. This decision will hurt, no doubt, but probably not make them change their minds about Mexico.”But, that’s not to say that the future of the company’s Mexican adventure is not in question.A more likely threat to AT&T’s position could be a repeal of the North America Free Trade Agreement (NAFTA), which US President Trump is apparently seeking (Trump’s opinion on Mexico is also not the best kept secret.).But, Swain believes it could be Spain-based Telefonica that soon embarks on a more serious re-examination of its position in Mexico.“They have never been happy with the situation there,” Swain said. “This may be the final straw.”Meanwhile, at America Movil, I won’t go as far as saying it’s a case of ‘as you were’. But it’s very tempting.The editorial views expressed in this article are solely those of the author and will not necessarily reflect the views of the GSMA, its Members or Associate Members. Previous ArticleMaxis CEO to step down in MarchNext ArticleTencent forges venture with China’s big telcos Related Kavit Majithia Kavit joined Mobile World Live in May 2015 as Content Editor. He started his journalism career at the Press Association before joining Euromoney’s graduate scheme in April 2010. Read More >> Read more America MovilAT&TIFTMexicoTelefonica Tags Author HomeBlog Blog: AT&T’s belief in Mexico takes major knock Blog: When will we see 5G network slicing in the US? Intelligence Brief: Will Telefonica autonomy move set template for others? Blog
Pinterest AudioHomepage BannerNews ‘More needs to be done’ to find source of Covid-19 infections Facebook Twitter Google+ A public health expert says more needs to be done to find the source of Covid-19 infections.738 new cases of the virus have been confirmed and 13 more patients have died.33 new cases were reported in Donegal with the incidence rate rising to 191.DCU Professor Anthony Staines says the Government must put more resources into contact tracing.Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2021/02/staines1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Arranmore progress and potential flagged as population grows Derry draw with Pats: Higgins & Thomson Reaction News, Sport and Obituaries on Monday May 24th Twitter FT Report: Derry City 2 St Pats 2 By News Highland – February 28, 2021 DL Debate – 24/05/21 Facebook RELATED ARTICLESMORE FROM AUTHOR Previous articleFianna Fail ministers set to turn down pay riseNext articleCarndonagh Garda Station included in new capital budget plan News Highland Pinterest WhatsApp Google+ WhatsApp Important message for people attending LUH’s INR clinic
Over the next couple months, the BeltLine is asking Atlantans what they like about the project, what they don’t like and what they hope to see happen in the future. According to the organization, this is the first survey of this scale in more than 10 years.The survey asks people what they think the priorities should be, such as affordable housing, adding transit, working with small businesses or building parks. And it’s not just collecting online responses, the organization hired a firm to do hundreds of phone calls and go door to door in order to get a balance of people from different parts of the city, different incomes and different ages.WABE did a wildly unscientific version of the survey by spending a lovely Friday afternoon on and near the recently opened Westside Trail, asking people what they thought.Antonio Rolling, who was playing basketball near the path in West End, said he jogs on the BeltLine and he likes what it’s done for his neighborhood. He sees it as part of Atlanta’s bright future, along with the Georgia Aquarium getting a shark exhibit and development plans near Mercedes-Benz Stadium.“I can’t wait to see my hometown, can’t wait to see it lit up,” he said.He also can’t wait for the BeltLine to be finished.“We’re glad they put it here, just waiting for it to get done,” Rolling said.Same here, said Atlanta BeltLine Inc. CEO Brian McGowan.“We hear that a lot, and we want it to be finished, too,” he said.McGowan, who’s been on the job for less than a year, said as far as he can tell, the last survey was in 2006, when the project was still pretty much just a big idea. This time, people probably have more — or different — opinions.“I felt it was appropriate for us to kind of pause and ask the residents of Atlanta and people who use the BeltLine how they feel about the BeltLine itself and about how far we’ve come in 12 years before we start moving forward and making decisions on where we’re going in the next 12 years,” he said.There have been controversies the past few years over the amount of affordable housing that’s been built and questions about the future of transit.And McGowan acknowledges the BeltLine could do a better job of reaching out to some parts of the city.Take David Jeffries, who was waiting for the bus on a bench in West End, sitting about 10 feet from the BeltLine. He’d never heard of it.“What is the BeltLine?” he asked.And then there are super-fans, like Kareem Williams, who walks on the path every day with his 14-month-old daughter.“It’s so much more than recreation because it really should be a lifestyle,” he said. “And it’s going to bring the community together a lot more.”But he’s not thrilled with trains on the BeltLine, which he hadn’t realized was part of the plan.“Transit?” he sighed. “I don’t know. Seems like it may take away because it’s serene.”Transit is absolutely part of the project, said McGowan, and he thinks rail is the best option.On the survey in general, McGowan said he’s excited to learn people’s opinions and maybe get some surprises.The BeltLine plans to release the results this summer. For Whom The Bell Rings Legal Advocate Discusses Medical Abuse At Shut Down Georgia ICE Facility Related Stories Share 1:44 | Play story Add to My ListIn My List ‘It’s Fractured’: Georgia Lt. Gov. Geoff Duncan On Healing Republican Party
International Sales Representative Similar Stories Visegrad Literary Residency Program Visegrad Summer School in Cracow, Poland July 12, 2016 Published by Ivana Petriskova Deadline: flexible start of the internshipOpen to: University degree or High school diploma holders with interest in IT Business;Venue: 6 – 12 months, Prague, Czech Republic/ Cracow, PolandDescriptionWiPjobs focuses its business on qualified, professional and skilled recruitment and HR consultancy. The company consists of a team of dedicated individuals, trained and experienced in providing candidates with a variety of consulting and personal services, according to particular requirements.The vision of WiPjobs is to build an international specialist recruitment business and to deliver well-diversified and profitable fee growth. Main tasks:Represent an IT industry leader and provide top class sales solutions to their authorized partners (in the area of hardware or software solutions) as an Account Manager;Engage with strategic customers/partners to understand their business needs and follow up projects;Manage assigned and/or new partners via telephone to source and analyze potential business opportunities;Act as business advisor and build business plans;Be responsible for territory, customer management and growth for opportunity creation, pipeline and closed revenue targets against the given quota;Working with internal tools (CRM, online portals, etc.).EligibilityEligible to work in European Union;University degree or High school diploma;Interest in IT Business; Languages: at least upper-intermediate level of English and native level of one of the following languages: German, French, Hungarian, UK English, Croatian, Greek, Hebrew, Italian, Finnish, Danish, Norwegian, Swedish, Czech; Previous experience in IT environment and/or Sales or customer service experience is a plus;High level of communication skills (phone manners).BenefitsRemuneration above 500 EUR/month.Opportunity to work in a multi-cultural environment;Bonuses according to the performance;Extensive Training and development program on sales soft skills, products, tools and processes.How to apply?If you are interested in this International Sales Representative internship in Prague, you need to apply online HERE. Learn more about eurasmus and other internships in our placements in Europe area.For more information please visit the official website. Reddit Magic in Fairy-Tales, Myths and Stories Conference, Poland Pocket LinkedIn 0 Tweet Leave a Reply Cancel ReplyYou must be logged in to post a comment. +1 Share 0 ← Stockholm University Postdoctoral Fellowship in Environmental Sciences International Joint Master of Arts at MIREES, Italy →
Currently, SEFA supports small- and medium-scale renewable energy and energy-efficiency projects through early-stage interventions that enhance project bankability and access to private sector investments. TAGSAFDBbankabilityinvestmentmini-grids Previous articleClose examination of the global protection relay marketNext articleOp-Ed: IRP, a good start for South Africa’s energy sector Nicolette Pombo-van ZylAs the Editor of ESI Africa, my passion is on sustainability and placing African countries on the international stage. I take a keen interest in the trends shaping the power & water utility market along with the projects and local innovations making headline news. Watch my short weekly video on our YouTube channel ESIAfricaTV and speak with me on what has your attention. This step will amplify the SEFA’s development impact by allowing it to access a wider range of financial instruments beyond the current scope of technical assistance. Dr Daniel Schroth, the Bank’s acting director for renewable energy and efficiency, added that the proposed restructuring was designed to incorporate lessons from SEFA’s seven years of operational experience. “The new structure of the special fund responds to the demand from external clients and the Bank’s teams for catalytic support, and sufficiently accommodates market needs arising from the transformation of the renewable energy landscape in African countries,” he said. Generation First established in 2012, SEFA is anchored in a commitment of $121 million by the Governments of Denmark, US, UK, Italy, Norway and Spain. To date, the fund has committed $76 million across 56 projects in 30 countries. Under the new dispensation, the fund will focus its interventionson three areas: 1) green mini-grids to accelerate energy access to underserved populations; 2) green baseload to support clean generation capacity; and 3) energy efficiency to optimise energy systems and reduce energy intensity. Anticipatedgrowth for SEFA Featured image: Stock AFD and Eskom commit to a competitive electricity sector UNDP China, CCIEE launch report to facilitate low-carbon development The fund’s investments are expected to leverage in excess of $1.5 billion in investments in new capacity and connections across the continent. SEFA is central to the Bank’s New Deal on Energy for Africa Strategy and a “catalytic” financial vehicle for the achievement of universal energy access by 2030 in line with Sustainable Development Goal 7. Read moreAfrica: Experts to mobilise funds for climate resilience projects Multi-donor fund accelerates green transition This support will be provided through technical assistance andconcessional investments that will improve the bankability of projects acrossinnovative technologies and challenging geographies and crowd-in morecommercial investments into the sector. Low carbon, solar future could increase jobs in the future – SAPVIA BRICS RELATED ARTICLESMORE FROM AUTHOR Sign up for the ESI Africa newsletter “The new SEFA will provide critical support to African countries to accelerate the transition towards greener and more sustainable power systems. The special fund’s ability to provide various financial instruments will unlock more private sector investments in new technologies and businesses,” said Wale Shonibare, the Bank’s acting vice-president for power, energy, climate and green growth. The African Development Bank’s Board of Governors has approved the conversion of the Bank-administered multi-donor trust fund Sustainable Energy Fund for Africa (SEFA) into a ‘special fund’. Finance and Policy Read moreAfDB, Japan to promote sustainability bond markets in Africa