No. SB 522
Filed under Insurance.
Motor Vehicle Insurance; Repealing provisions which comprise the Florida Motor Vehicle No-Fault Law; revising garage liability insurance requirements for recreational vehicle dealer license applicants; revising minimum liability coverage requirements for motor vehicle owners or operators; revising requirements for motor vehicle liability policies relating to coverage, and exclusion from coverage, for certain drivers and vehicles; revising coverages that may provide for a reduction in motor vehicle insurance policy premium charges under certain circumstances; revising the legal liability of an uninsured motorist coverage insurer; providing a prohibition, requirements, applicability, and construction relating to motor vehicle insurance policies as of a certain date, etc. APPROPRIATION: $83,651
Plain English Summary
AI-GENERATEDFlorida's mandatory Personal Injury Protection (PIP) no-fault law is repealed entirely, effective January 1, 2027, ending the decades-old requirement that every driver carry no-fault medical coverage regardless of who caused the crash.
In its place, every registered vehicle owner must carry bodily injury liability coverage of at least $25,000 per person and $50,000 per crash, on top of the existing $10,000 property damage requirement.
Insurers may not write or renew any policy containing personal injury protection after January 1, 2027, but a policy already in force before that date keeps counting as compliant until it is renewed, nonrenewed, or canceled.
Uninsured motorist coverage must now pay full pain-and-suffering damages in every case, and accident claimants gain a new right to sue for attorney fees when an insurer withholds requested policy information.
AISections 627.730 through 627.7405 and 627.7407, which make up the Florida Motor Vehicle No-Fault Law and require every driver to carry personal injury protection coverage, are repealed outright, effective January 1, 2027.
AIBeginning January 1, 2027, every registered vehicle owner must carry bodily injury liability coverage of $25,000 per person and $50,000 per crash, on top of the existing $10,000 property damage requirement, replacing a system that mandated no bodily injury coverage at all.
AINo motor vehicle insurance policy issued or renewed on or after January 1, 2027 may include personal injury protection, but a policy already in force before that date keeps counting as compliant until it is renewed, nonrenewed, or canceled.
AIUninsured motorist coverage no longer requires an injury to meet the no-fault law's permanent-injury threshold before an insurer owes pain-and-suffering damages; that threshold is deleted and full noneconomic damages are now covered.
AIWhen an insurer misses the 30-day deadline to disclose a driver's policy limits to a claimant who requested them, the claimant may now sue to enforce the disclosure and recover attorney fees and costs from the insurer.
AIMotor vehicle and recreational-vehicle dealers must carry garage liability insurance of at least $60,000 combined single-limit coverage, up from the prior $25,000 combined limit plus a separate $10,000 personal injury protection requirement that no longer exists.
AIFor-hire passenger transportation vehicles such as taxis and limousines must independently carry at least $125,000 per person and $250,000 per crash in bodily injury coverage plus $50,000 in property damage coverage, stated directly in law rather than through the repealed no-fault statute.
AIThe specific third-degree felony that applied when an insurer changed, or directed a physician to change, an opinion in an independent medical report is deleted along with the no-fault law that created it, with no replacement found elsewhere in the bill.