State lawmakers are wrestling with ways to reform the state's no-fault auto insurance law. The law requires drivers carry $10,000 worth of coverage and forces insurance companies to pay out regardless of who caused the accident.

The system is rife with abuse, lawmakers say — an estimated $1 billion in fraud this year.

But there is no simple fix, and several competing proposals are being floated by Republicans in Tallahassee.

One tightens procedures for licensing medical clinics and creates a task force to help stamp out abuse. Another requires car accident victims to seek initial treatment at emergency rooms and limits the type of medical services that are covered. A third measure repeals the law entirely and replaces it with a system where the person who caused the crash pays.

"I'm optimistic that we'll be able to address the issue before we're through here," said Sen. Joe Negron, a Stuart Republican.

To read more about the various PIP reform proposals and what consumer groups, attorneys, medical providers and insurers think about them, click here to read the rest of the story.