Among the new laws cited by WCTV: changes to auto insurance affect the state’s personal injury protection – or PIP – coverage. Since 1972, Florida motorists have been required to buy such coverage to make sure anyone injured in a crash gets money to treat their injuries without delay. A driver’s insurance company is required to pay up to $10,000 for medical bills and lost wages no matter who is at fault. Bogus claims and faked accidents, though, are largely responsible for a $1.4 billion increase in PIP costs since 2008, state officials say. The new law puts a 14-day limit on seeking treatment after a crash. Benefits also are capped at $2,500 unless a doctor, osteopathic physician, dentist or a supervised physician’s assistant or advanced registered nurse practitioner determines there’s an “emergency medical condition.” Chiropractors cannot make that determination.