Upcoming changes to Florida auto insurance requirements have me worried.

For the last thirty years or so, a minimum Personal Injury Protection (PIP) was mandantory. From what my agent told me, this prevented perhaps thousands of frivolous claims. Now that that minimum is scheduled to expire, how will this affect future claim rates and what additional coverage should I consider? I still plan to carry "full coverage" but are there any barriers to replace that which is being removed?