This bill seeks to repeal the Florida Motor Vehicle No-Fault Law and amend various sections of the Florida Statutes concerning motor vehicle insurance. Key changes include the removal of the requirement for personal injury protection (PIP) insurance and the introduction of minimum liability coverage requirements for motor vehicle owners, which will take effect on July 1, 2026. The bill establishes new definitions for terms such as "garage liability insurance" and outlines specific liability limits for different types of vehicles, including for-hire passenger transportation vehicles. Additionally, it modifies the process for proving financial responsibility and clarifies the responsibilities of insurers in the claims process, including timely responses to claims and the notification of policyholders regarding changes in coverage.

The bill also addresses insurance requirements for peer-to-peer car-sharing programs and fully autonomous vehicles, ensuring that adequate liability coverage is maintained during car-sharing activities and updating minimum coverage amounts for autonomous vehicles. Furthermore, it introduces stricter regulations regarding insurance fraud, including penalties for soliciting business from individuals involved in accidents and consequences for licensed health care practitioners found guilty of fraud. Overall, the bill aims to modernize Florida's motor vehicle insurance framework, enhance consumer protection, and ensure adequate financial responsibility measures are in place for vehicle operation.

Statutes affected:
S 1256 Filed: 627.7407, 316.2122, 316.646, 318.18, 320.0609, 320.27, 320.771, 322.34, 324.011, 324.022, 324.023, 324.031, 324.032, 324.051, 324.071, 324.091, 324.151, 324.161, 324.251, 400.9905, 400.991, 400.9935, 409.901, 409.910, 456.057, 626.989, 627.06501, 627.0652, 627.4132, 627.4137, 627.7263, 627.7275, 627.728, 627.7415, 627.749, 627.8405, 627.915