TALLAHASSEE – (CBSMiami/AP) – Florida drivers looking to save money from from a new law designed to crack down on no-fault auto insurance fraud may find it helps insurance companies, but have to look hard to find any significant savings.

Any potential savings coming on the personal injury protection portion of a policy is so slight that it is likely to be offset by increases in other parts of the coverage.

The new, tougher PIP law — which actually took effect on July 1 — caps benefits 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.

A driver’s insurance company was previously required to pay up to $10,000 for medical bills and lost wages no matter who was at fault