Bill > S0522

Introduced Session

An act relating to motor vehicle insurance; repealing ss. 627.730, 627.731, 627.7311, 627.732, 627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403, and 627.7405, F.S., which comprise the Florida Motor Vehicle No-Fault Law; repealing s. 627.7407, F.S., relating to application of the Florida Motor Vehicle No-Fault Law; amending s. 316.2122, F.S.; conforming a provision to changes made by the act; amending s. 316.646, F.S.; revising a requirement for proof of security on a motor vehicle and the applicability of the requirement; amending s. 318.18, F.S.; conforming a provision to changes made by the act; amending s. 320.02, F.S.; revising the motor vehicle insurance coverages that an applicant must show to register certain vehicles with the Department of Highway Safety and Motor Vehicles; conforming a provision to changes made by the act; revising construction; amending s. 320.0609, F.S.; conforming a provision to changes made by the act; amending s. 320.27, F.S.; defining the term “garage liability insurance”; revising garage liability insurance requirements for motor vehicle dealer license applicants; conforming a provision to changes made by the act; making technical changes; amending s. 320.771, F.S.; revising garage liability insurance requirements for recreational vehicle dealer license applicants; amending ss. 322.251 and 322.34, F.S.; conforming provisions to changes made by the act; amending s. 324.011, F.S.; revising legislative purpose and intent; amending s. 324.021, F.S.; revising definitions; revising minimum coverage requirements for proof of financial responsibility for specified motor vehicles; conforming provisions to changes made by the act; defining the term “for-hire passenger transportation vehicle”; amending s. 324.022, F.S.; revising minimum liability coverage requirements for motor vehicle owners or operators; revising authorized methods for meeting such requirements; deleting a provision relating to an insurer’s duty to defend certain claims; revising the vehicles that are excluded from the definition of the term “motor vehicle”; providing security requirements for certain excluded vehicles; conforming provisions to changes made by the act; amending s. 324.0221, F.S.; revising coverages that subject a policy to certain insurer reporting and notice requirements; conforming provisions to changes made by the act; creating s. 324.0222, F.S.; providing that driver license or motor vehicle registration suspensions for failure to maintain required security which are in effect before a specified date remain in full force and effect; authorizing drivers to reinstate suspended licenses or registrations as provided in a specified section; amending s. 324.023, F.S.; conforming cross references; amending s. 324.031, F.S.; specifying a method of proving financial responsibility by owners or operators of motor vehicles other than for-hire passenger transportation vehicles; revising the required and maximum amounts of a certificate of deposit required to elect a certain method of proof of financial responsibility; revising liability coverage requirements for a person electing to use such method; amending s. 324.032, F.S.; revising financial responsibility requirements for owners or lessees of for-hire passenger transportation vehicles; amending s. 324.051, F.S.; making technical changes; specifying that motorcycles are included in the definition of the term “motor vehicles” for purposes of the section; amending ss. 324.071 and 324.091, F.S.; making technical changes; amending s. 324.151, F.S.; revising requirements for motor vehicle liability policies relating to coverage, and exclusion from coverage, for certain drivers and vehicles; conforming provisions to changes made by the act; making technical changes; defining terms; amending s. 324.161, F.S.; revising requirements for a certificate of deposit that is required if a person elects a certain method of proving financial responsibility; amending s. 324.171, F.S.; revising the minimum net worth requirements to qualify certain persons as self-insurers; conforming provisions to changes made by the act; amending s. 324.242, F.S.; conforming provisions to changes made by the act; amending s. 324.251, F.S.; revising a short title and an effective date; amending s. 400.9905, F.S.; revising the definition of the term “clinic”; conforming provisions to changes made by the act; amending ss. 400.991 and 400.9935, F.S.; conforming provisions to changes made by the act; amending s. 409.901, F.S.; revising the definition of the term “third-party benefit”; amending s. 409.910, F.S.; revising the definition of the term “medical coverage”; amending s. 456.057, F.S.; conforming a provision to changes made by the act; amending s. 456.072, F.S.; revising specified grounds for discipline for certain health professions; defining the term “upcode”; conforming a provision to changes made by the act; amending s. 626.9541, F.S.; conforming a provision to changes made by the act; revising certain prohibited acts related to specified insurance coverage payment requirements; amending s. 626.989, F.S.; revising the definition of the term “fraudulent insurance act”; amending s. 627.06501, F.S.; revising coverages that may provide for a reduction in motor vehicle insurance policy premium charges under certain circumstances; amending s. 627.0651, F.S.; specifying requirements for rate filings for motor vehicle liability policies that implement requirements in effect on a specified date; requiring that such filings be approved through a certain process; amending s. 627.0652, F.S.; revising coverages that must provide for a reduction in premium charges under certain circumstances; amending s. 627.0653, F.S.; revising coverages that are subject to premium discounts for specified motor vehicle equipment; amending s. 627.4132, F.S.; revising coverages that are subject to a stacking prohibition; amending s. 627.4137, F.S.; requiring insurers to disclose certain information at the request of a claimant’s attorney; authorizing a claimant to file an action under certain circumstances; providing for the award of reasonable attorney fees and costs under certain circumstances; amending s. 627.7263, F.S.; revising coverages that are deemed primary, except under certain circumstances, for the lessor of a motor vehicle for lease or rent; revising a notice that is required if the lessee’s coverage is to be primary; amending s. 627.727, F.S.; conforming provisions to changes made by the act; revising the legal liability of an uninsured motorist coverage insurer; amending s. 627.7275, F.S.; revising required coverages for a motor vehicle insurance policy; conforming provisions to changes made by the act; creating s. 627.7278, F.S.; defining the term “minimum security requirements”; providing a prohibition, requirements, applicability, and construction relating to motor vehicle insurance policies as of a certain date; requiring insurers to allow certain insureds to make certain coverage changes, subject to certain conditions; requiring an insurer to provide, by a specified date, a specified notice to policyholders relating to requirements under the act; amending s. 627.728, F.S.; conforming a provision to changes made by the act; amending s. 627.7295, F.S.; revising the definitions of the terms “policy” and “binder”; revising the coverages of a motor vehicle insurance policy for which a licensed general lines agent may charge a specified fee; conforming provisions to changes made by the act; amending s. 627.7415, F.S.; revising additional liability insurance requirements for commercial motor vehicles; amending s. 627.747, F.S.; conforming provisions to changes made by the act; amending s. 627.748, F.S.; revising insurance requirements for transportation network company drivers; conforming provisions to changes made by the act; conforming cross-references; amending ss. 627.7483 and 627.749, F.S.; conforming provisions to changes made by the act; amending s. 627.8405, F.S.; revising the products and the policy for which a premium finance company may not finance costs when sold in combination with an accidental death and dismemberment policy; revising rulemaking authority of the Financial Services Commission; amending ss. 627.915, 628.909, 705.184, and 713.78, F.S.; conforming provisions to changes made by the act; amending s. 817.234, F.S.; revising coverages that are the basis of specified prohibited false and fraudulent insurance claims; conforming provisions to changes made by the act; deleting provisions relating to prohibited changes in certain mental or physical reports; providing an appropriation; providing effective dates.

AI Summary

Erin Grall (R)*, 

Introduced (on 01/13/2026)

Official Document