House Bill 1181 proposes comprehensive reforms to Florida's motor vehicle insurance laws, primarily by repealing the existing Florida Motor Vehicle No-Fault Law and replacing it with new requirements for liability coverage. The bill mandates minimum liability coverage amounts effective July 1, 2026, including $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $10,000 for property damage. It eliminates the previous personal injury protection (PIP) mandates and introduces new definitions and requirements for various types of insurance, including garage liability insurance. The bill also clarifies that proof of financial responsibility does not guarantee compliance with state law and modifies the application process for motor vehicle dealers regarding insurance documentation.

Additionally, the bill enhances regulatory clarity by updating definitions, reporting requirements for insurers, and the conditions under which driver licenses and vehicle registrations may be suspended for failure to maintain required insurance coverage. It introduces stricter penalties for insurance fraud, particularly related to motor vehicle accidents, and prohibits solicitation of business from accident victims. The legislation aims to streamline the regulatory framework surrounding motor vehicle insurance and registration in Florida while enhancing consumer protections and compliance with financial responsibility laws. The bill is set to take effect on July 1, 2026, with certain provisions becoming effective earlier on July 1, 2025.

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