House Bill 1181 proposes comprehensive amendments to Florida's motor vehicle insurance laws, primarily by repealing the Florida Motor Vehicle No-Fault Law, which eliminates the requirement for personal injury protection (PIP) insurance. Instead, the bill mandates new liability insurance requirements, including minimum coverage amounts for bodily injury and property damage liability, which must be demonstrated by applicants when registering vehicles. The bill also introduces new definitions, such as "garage liability insurance," and modifies existing statutes to enhance clarity and compliance regarding financial responsibility for motor vehicle operators. Key changes include the establishment of minimum liability coverage limits and the introduction of new methods for proving financial responsibility, particularly for for-hire passenger transportation vehicles.

Additionally, the bill addresses insurance fraud by prohibiting solicitation from individuals involved in motor vehicle accidents and imposing severe penalties for violations. It also outlines the consequences for licensed health care practitioners found guilty of insurance fraud related to motor vehicle insurance policies. The bill appropriates funds for its implementation and sets an effective date of July 1, 2026, for most provisions, while some will take effect upon the bill becoming law. Overall, HB 1181 aims to streamline the regulatory framework surrounding motor vehicle insurance and enhance consumer protection within the industry.

Statutes affected:
H 1181 Filed: 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, 324.151, 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