summary
Introduced
12/10/2019
12/10/2019
In Committee
12/12/2019
12/12/2019
Crossed Over
Passed
Dead
03/19/2020
03/19/2020
Introduced Session
2020 Regular Session
Bill Summary
An act relating to insurance; amending s. 624.155, F.S.; revising requirements and procedures for the civil remedy notice provided to insurers and the Department of Financial Services; revising the period the statute of limitations is tolled; revising the timeframe for an insurer to pay damages or for certain circumstances to be corrected; creating a duty of good faith by persons claiming against an insurer; providing that an insurer does not violate its good faith duty to settle claims and is not liable for a certain failure if it meets certain conditions; providing a limitation on an insurer's liability to third-party claimants, under certain circumstances; requiring insureds, claimants, or their representatives to act in good faith; creating a defense where the insured, claimant, or claimant's representative has failed to make good faith efforts to cooperate with the insurer's investigations; amending s. 624.422, F.S.; requiring insurers to file certain contact information for the department to forward civil remedy notices; amending s. 627.736, F.S.; revising allowable maximum medical charges; specifying information required as part of a presuit notice in motor vehicle personal injury protection CS/ claims; requiring information relating to treatment, services, and accommodations provided to claimants; requiring the identification of payments in dispute; requiring claimants to comply with notice requirements; prohibiting relief to claimants in certain circumstances; awarding attorney fees and certain costs and disbursements in certain circumstances; providing an effective date.
AI Summary
This bill makes several changes to Florida's insurance laws:
1. It revises requirements and procedures for the civil remedy notice that must be provided to insurers and the Department of Financial Services before filing certain civil actions against insurers. This includes specifying the information that must be included in the notice and tolling the statute of limitations for 60 days after the insurer receives the notice.
2. It creates a duty of good faith for persons claiming against an insurer and provides a defense if the claimant fails to make good faith efforts to cooperate with the insurer's investigation.
3. It limits an insurer's liability to third-party claimants in certain circumstances, such as if the insurer offers the policy limits or files an interpleader action.
4. It revises the maximum allowable medical charges for personal injury protection (PIP) coverage in motor vehicle insurance, including setting the maximum at 200% of Medicare rates for various healthcare services.
5. It imposes new requirements for the presuit notice that must be provided before filing a PIP claim, including specifying the information that must be included and prohibiting relief to claimants who do not comply.
Overall, the bill aims to reform certain insurance practices and litigation procedures related to PIP claims and civil actions against insurers.
Committee Categories
Budget and Finance, Business and Industry
Sponsors (2)
Other Sponsors (3)
Appropriations Committee (House), Commerce Committee (House), Insurance and Banking Subcommittee (House)
Last Action
Died on Calendar (on 03/14/2020)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.flsenate.gov/Session/Bill/2020/895 |
| Bill | https://www.flsenate.gov/Session/Bill/2020/895/BillText/c3/PDF |
| Bill | https://www.flsenate.gov/Session/Bill/2020/895/BillText/c2/PDF |
| House Committee Amendment #555253 | https://www.flsenate.gov/Session/Bill/2020/895/Amendment/555253/PDF |
| House Committee Amendment #101261 | https://www.flsenate.gov/Session/Bill/2020/895/Amendment/101261/PDF |
| House Committee Amendment #247283 | https://www.flsenate.gov/Session/Bill/2020/895/Amendment/247283/PDF |
| Bill | https://www.flsenate.gov/Session/Bill/2020/895/BillText/c1/PDF |
| Bill | https://www.flsenate.gov/Session/Bill/2020/895/BillText/Filed/PDF |
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