This bill seeks to repeal the Florida Motor Vehicle No-Fault Law and amend various sections of the Florida Statutes concerning motor vehicle insurance and registration. Key changes include the elimination of personal injury protection (PIP) insurance requirements, the introduction of minimum liability coverage requirements, and the clarification of definitions related to different types of insurance, such as "garage liability insurance." The bill also revises the requirements for proof of insurance when registering a vehicle, updates penalties for traffic violations, and specifies conditions for reinstating suspended licenses or registrations. Notably, it establishes new liability limits for different vehicle types, effective July 1, 2026, and emphasizes the need for owners to maintain proof of financial responsibility.

Additionally, the bill enhances consumer protections by mandating insurers to provide timely information regarding claims and prohibiting them from imposing additional premiums based solely on certain traffic infractions. It introduces provisions for peer-to-peer car-sharing programs and fully autonomous vehicles, clarifying insurance responsibilities during car-sharing periods and updating coverage requirements. The bill also addresses insurance fraud, imposing stricter penalties for fraudulent activities related to motor vehicle insurance and establishing a five-year suspension for licensed health care practitioners convicted of such fraud. Overall, the bill aims to streamline Florida's motor vehicle insurance laws, improve accountability, and enhance safety standards on the roads.

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