what exactly is going on with this...
The insurance companies wanted to stop the so-called rampant fraud of the poor people in accidents so the state has limited the amount of coverage you get. In return the insurance companies have to reduce our bills by 10% this year and 25% by 2014.
Unless they say they don't want to.

and Scott walks away richer.
http://www.bizjournals.com/southflorida/news/2012/03/08/scott-pushes-house-pip-bill.html