House Bill 769 proposes comprehensive amendments to Florida's motor vehicle insurance laws, primarily repealing the Florida Motor Vehicle No-Fault Law, which eliminates the requirement for personal injury protection (PIP) coverage. The bill introduces new insurance requirements, mandating that vehicle registration applicants provide proof of bodily injury liability and property damage liability coverage. It establishes minimum coverage limits of $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $10,000 for property damage, effective January 1, 2027. Additionally, the bill clarifies the responsibilities of insurers regarding policy cancellations and nonrenewals, and it provides immunity to motor vehicle dealers who offer temporary replacement vehicles, as long as there is no negligence involved.

The bill also addresses various aspects of insurance practices, including stricter regulations on solicitation from accident victims, making it a felony to solicit business within 60 days of an accident. It enhances penalties for fraudulent activities related to motor vehicle accidents, including severe consequences for healthcare practitioners found guilty of insurance fraud. Furthermore, the legislation updates definitions and requirements for Transportation Network Companies (TNCs) and peer-to-peer car-sharing programs, ensuring adequate liability coverage while removing the PIP requirement. Overall, House Bill 769 aims to streamline insurance processes, enhance financial responsibility standards, and improve regulatory oversight in Florida's motor vehicle insurance landscape.

Statutes affected:
H 769 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, 324.091, 324.151, 324.161, 324.251, 400.9905, 400.991, 400.9935, 409.901, 409.910, 626.989, 627.06501, 627.0652, 627.4132, 627.4137, 627.7263, 627.7275, 627.728, 627.7415, 627.749, 627.8405, 627.915