Expect to see at least a 10% decrease in your auto insurance rates after October thanks to the 2012 legislative session. Coming down to the last day lawmakers agreed on reform for Florida's often abused no-fault insurance. The coverag is suppose to protect you for injuries suffered in a accident regardless of who's at fault but in the last years it has been plagued with fraudulent claims that insurers claim are causing rate increases. The bill among other things aims to ban much abused treatments such as massage therapy and acupuncture. Limit non-emergency chiropractic care to $2,500 instead of the current rules that have no cap. The insurance companies in exchange for this revamped regulation are required to lower their rates by 10% or have to give the state a good reason why they cannot.