Karl Miller


Within a short period at the start of the twentieth century, the automobile emerged in Florida, rapidly displacing other modes of transportation and dramatically transforming the state. The arrival of automobility, however, brought widespread bodily injury and property damage to Floridians. In order to help mitigate the economic cost of these accidents, automobile insurance arose. The interaction of the Florida government and the automobile insurance industry over several decades culminated in the passage of the Florida Automobile Reparations Reform Act of 1971, a landmark legislative act that comprehensively formalized Florida's handling of the automobile insurance industry. This article attempts to answer why it took so long for government and insurance to act in concert to address the considerable negative aspects of automobility in Florida.