Published: Jan 01, 2013 6:22 AM EST

TALLAHASSEE, Fla. (AP) - Florida drivers looking to save money resulting from a new law designed to crack down on no-fault auto insurance fraud may 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.