House Bill 1181 proposes comprehensive amendments to Florida's motor vehicle insurance laws, primarily repealing the existing Florida Motor Vehicle No-Fault Law and introducing new requirements for liability coverage. Effective July 1, 2026, the bill mandates minimum liability coverage amounts of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more persons, and $10,000 for property damage. It eliminates the previous personal injury protection (PIP) mandates, requiring individuals to maintain minimum security requirements instead. The bill also introduces the definition of "garage liability insurance" and specifies that motor vehicle dealers must provide evidence of such insurance as part of their application process.

In addition to these changes, the bill enhances regulatory oversight by amending reporting requirements for insurers regarding policy cancellations and nonrenewals, and it clarifies the responsibilities of Transportation Network Companies (TNCs) and peer-to-peer car-sharing programs regarding insurance coverage. The legislation also addresses issues related to insurance fraud, imposing penalties for solicitation of business from individuals involved in motor vehicle accidents and categorizing certain fraudulent actions as felonies. Overall, HB 1181 aims to modernize Florida's motor vehicle insurance framework, ensuring higher coverage limits, clearer regulations, and enhanced consumer protection while streamlining the insurance process.

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