House Bill 1181 proposes comprehensive changes to Florida's motor vehicle insurance laws, primarily by repealing the Florida Motor Vehicle No-Fault Law and eliminating 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, which must be demonstrated by vehicle registrants. The bill also introduces technical amendments to various statutes, clarifying proof of insurance requirements and updating definitions related to motor vehicle insurance. Notably, it specifies that existing PIP policies will remain compliant until they are renewed or canceled after July 1, 2026, when the new requirements take effect.

In addition to the changes in liability coverage, HB 1181 addresses issues related to Transportation Network Companies (TNCs) and peer-to-peer car-sharing programs, ensuring that adequate insurance coverage is maintained during operations. The bill also enhances regulations against insurance fraud, imposing stricter penalties for solicitation of accident victims and fraudulent claims. It appropriates funds for the implementation of these changes, with most provisions set to take effect on July 1, 2026. Overall, HB 1181 aims to modernize Florida's motor vehicle insurance framework, shifting from a no-fault system to a liability-based approach while reinforcing financial responsibility and consumer protection.

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