F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
HB 653 2024
1 A bill to be entitled
2 An act relating to motor vehicle insurance; repealing
3 ss. 627.730, 627.731, 627.7311, 627.732, 627.733,
4 627.734, 627.736, 627.737, 627.739, 627.7401,
5 627.7403, and 627.7405, F.S., which comprise the
6 Florida Motor Vehicle No-Fault Law; repealing s.
7 627.7407, F.S., relating to application of the Florida
8 Motor Vehicle No-Fault Law; amending s. 316.2122,
9 F.S.; conforming a provision to changes made by the
10 act; amending s. 316.646, F.S.; revising a requirement
11 for proof of security on a motor vehicle and the
12 applicability of the requirement; amending s. 318.18,
13 F.S.; conforming a provision to changes made by the
14 act; amending s. 320.02, F.S.; revising the motor
15 vehicle insurance coverages that an applicant must
16 show to register certain vehicles with the Department
17 of Highway Safety and Motor Vehicles; conforming a
18 provision to changes made by the act; revising
19 construction; amending s. 320.0609, F.S.; conforming a
20 provision to changes made by the act; amending s.
21 320.27, F.S.; defining the term "garage liability
22 insurance"; revising garage liability insurance
23 requirements for motor vehicle dealer license
24 applicants; conforming a provision to changes made by
25 the act; making technical changes; amending s.
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26 320.771, F.S.; revising garage liability insurance
27 requirements for recreational vehicle dealer license
28 applicants; amending ss. 322.251 and 322.34, F.S.;
29 conforming provisions to changes made by the act;
30 amending s. 324.011, F.S.; revising legislative
31 purpose and intent; amending s. 324.021, F.S.;
32 revising definitions; revising minimum coverage
33 requirements for proof of financial responsibility for
34 specified motor vehicles; conforming provisions to
35 changes made by the act; defining the term "for-hire
36 passenger transportation vehicle"; amending s.
37 324.022, F.S.; revising minimum liability coverage
38 requirements for motor vehicle owners or operators;
39 revising authorized methods for meeting such
40 requirements; deleting a provision relating to an
41 insurer's duty to defend certain claims; revising the
42 vehicles that are excluded from the definition of the
43 term "motor vehicle"; providing security requirements
44 for certain excluded vehicles; conforming provisions
45 to changes made by the act; amending s. 324.0221,
46 F.S.; revising coverages that subject a policy to
47 certain insurer reporting and notice requirements;
48 conforming provisions to changes made by the act;
49 creating s. 324.0222, F.S.; providing that driver
50 license or motor vehicle registration suspensions for
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51 failure to maintain required security which are in
52 effect before a specified date remain in full force
53 and effect; providing that such suspended licenses or
54 registrations may be reinstated as provided in a
55 specified section; amending s. 324.023, F.S.;
56 conforming cross-references; amending s. 324.031,
57 F.S.; specifying a method of proving financial
58 responsibility by owners or operators of motor
59 vehicles other than for-hire passenger transportation
60 vehicles; revising the amount of a certificate of
61 deposit required to elect a certain method of proof of
62 financial responsibility; revising liability coverage
63 requirements for a person electing to use such method;
64 amending s. 324.032, F.S.; revising financial
65 responsibility requirements for owners or lessees of
66 for-hire passenger transportation vehicles; amending
67 s. 324.051, F.S.; making technical changes; specifying
68 that motor vehicles include motorcycles for purposes
69 of the section; amending ss. 324.071 and 324.091,
70 F.S.; making technical changes; amending s. 324.151,
71 F.S.; revising requirements for motor vehicle
72 liability insurance policies relating to coverage, and
73 exclusion from coverage, for certain drivers and
74 vehicles; conforming provisions to changes made by the
75 act; making technical changes; defining terms;
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76 amending s. 324.161, F.S.; revising requirements for a
77 certificate of deposit that is required if a person
78 elects a certain method of proving financial
79 responsibility; amending s. 324.171, F.S.; revising
80 the minimum net worth requirements to qualify certain
81 persons as self-insurers; conforming provisions to
82 changes made by the act; amending s. 324.251, F.S.;
83 revising a short title and an effective date; amending
84 s. 400.9905, F.S.; revising the definition of the term
85 "clinic"; conforming provisions to changes made by the
86 act; amending ss. 400.991 and 400.9935, F.S.;
87 conforming provisions to changes made by the act;
88 amending s. 409.901, F.S.; revising the definition of
89 the term "third-party benefit"; amending s. 409.910,
90 F.S.; revising the definition of the term "medical
91 coverage"; amending s. 456.057, F.S.; conforming a
92 provision to changes made by the act; amending s.
93 456.072, F.S.; revising specified grounds for
94 discipline for certain health professions; defining
95 the term "upcode"; conforming a provision to changes
96 made by the act; amending s. 626.9541, F.S.;
97 conforming a provision to changes made by the act;
98 revising certain prohibited acts related to specified
99 insurance coverage payment requirements; amending s.
100 626.989, F.S.; revising the definition of the term
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101 "fraudulent insurance act"; amending s. 627.06501,
102 F.S.; revising coverages that may provide for a
103 reduction in motor vehicle insurance policy premium
104 charges under certain circumstances; amending s.
105 627.0651, F.S.; specifying requirements for rate
106 filings for motor vehicle liability policies that
107 implement requirements in effect on a specified date;
108 requiring that such filings be approved through a
109 certain process; amending s. 627.0652, F.S.; revising
110 coverages that must provide a premium charge reduction
111 under certain circumstances; amending s. 627.0653,
112 F.S.; revising coverages that are subject to premium
113 discounts for specified motor vehicle equipment;
114 amending s. 627.4132, F.S.; revising coverages that
115 are subject to a stacking prohibition; amending s.
116 627.4137, F.S.; requiring insurers to disclose certain
117 information at the request of a claimant's attorney;
118 authorizing a claimant to file an action under certain
119 circumstances; providing for the award of reasonable
120 attorney fees and costs under certain circumstances;
121 amending s. 627.7263, F.S.; revising coverages that
122 are deemed primary, except under certain
123 circumstances, for the lessor of a motor vehicle for
124 lease or rent; revising a notice that is required if
125 the lessee's coverage is to be primary; creating s.
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126 627.7265, F.S.; requiring that medical payments
127 coverage must protect specified persons; specifying
128 the minimum medical expense limits; specifying
129 coverage options that an insurer is required and
130 authorized to offer; providing construction relating
131 to limits on certain other coverages; requiring
132 insurers, upon receiving certain notice of an
133 accident, to hold a specified reserve for certain
134 purposes for a certain timeframe; providing that the
135 reserve requirement does not require insurers to
136 establish a claim reserve for accounting purposes;
137 prohibiting an insurer providing medical payments
138 coverage benefits from seeking a lien on a certain
139 recovery or bringing a certain cause of action;
140 authorizing insurers to include policy provisions
141 allowing for subrogation, under certain circumstances,
142 for medical payments benefits paid; providing
143 construction; specifying a requirement for an insured
144 for repayment of medical payments benefits under
145 certain circumstances; amending s. 627.727, F.S.;
146 conforming provisions to changes made by the act;
147 revising the legal liability of an uninsured motorist
148 coverage insurer; amending s. 627.7275, F.S.; revising
149 required coverages for a motor vehicle insurance
150 policy; conforming provisions to changes made by the
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151 act; creating s. 627.72761, F.S.; requiring that motor
152 vehicle insurance policies provide death benefits;
153 specifying requirements for the death benefits;
154 specifying persons to whom death benefits may and may
155 not be paid; prohibiting the insurer from claiming any
156 right of subrogation for any death benefit paid;
157 creating s. 627.7278, F.S.; defining the term "minimum
158 security requirements"; providing a prohibition,
159 requirements, applicability, and construction relating
160 to motor vehicle insurance policies as of a certain
161 date; requiring insurers to allow certain insureds to
162 make certain coverage changes, subject to certain
163 conditions; requiring an insurer to provide, by a
164 specified date, a specified notice to policyholders
165 relating to requirements under the act; amending s.
166 627.728, F.S.; conforming a provision to changes made
167 by the act; amending s. 627.7295, F.S.; revising the
168 definitions of the terms "policy" and "binder";
169 revising the coverages of a motor vehicle insurance
170 policy for which a licensed general lines agent may
171 charge a specified fee; conforming provisions to
172 changes made by the act; amending s. 627.7415, F.S.;
173 revising additional liability insurance requirements
174 for commercial motor vehicles; amending s. 627.747,
175 F.S.; conforming provisions to changes made by the
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176 act; amending s. 627.748, F.S.; revising insurance
177 requirements for transportation network company
178 drivers; conforming provisions to changes made by the
179 act; conforming cross-references; amending ss.
180 627.7483 and 627.749, F.S.; conforming provisions to
181 changes made by the act; amending s. 627.8405, F.S.;
182 revising coverages in a policy sold in combination
183 with an accidental death and dismemberment policy
184 which a premium finance company may not finance;
185 revising rulemaking authority of the Financial
186 Services Commission; amending ss. 627.915, 628.909,
187 705.184, and 713.78, F.S.; conforming provisions to
188 changes made by the act; amending s. 817.234, F.S.;
189 revising coverages that are the basis of specified
190 prohibited false and fraudulent insurance claims;
191 conforming provisions to changes made by the act;
192 deleting provisions relating to prohibited changes in
193 certain mental or physical reports; providing an
194 appropriation; providing effective dates.
195
196 Be It Enacted by the Legislature of the State of Florida:
197
198 Section 1. Sections 627.730, 627.731, 627.7311, 627.732,
199 627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403,
200 and 627.7405, Florida Statutes, are repealed.
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201 Section 2. Section 627.7407, Florida Statutes, is
202 repealed.
203 Section 3. Paragraph (e) of subsection (2) of section
204 316.2122, Florida Statutes, is amended to read:
205 316.2122 Operation of a low-speed vehicle, mini truck, or
206 low-speed autonomous delivery vehicle on certain roadways. —
207 (2) The operation of a low-speed autonomous delivery
208 vehicle on any road is authorized with the following