F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
HB 429 2023
1 A bill to be entitled
2 An act relating to motor vehicle insurance; repealing
3 ss. 627.730, 627.731, 627.7311, 627.732, 627.733,
4 627.734, 627.736, 627.737, 627.739, 627.7401,
5 627.7403, and 627.7405, F.S., relating to the Florida
6 Motor Vehicle No-Fault Law; repealing s. 627.7407,
7 F.S., relating to application of the Florida Motor
8 Vehicle No-Fault Law; amending s. 316.2122, F.S.;
9 conforming a provision to changes made by the act;
10 amending s. 316.646, F.S.; revising a requirement for
11 proof of security on a motor vehicle and the
12 applicability of the requirement; amending s. 318.18,
13 F.S.; conforming a provision to changes made by the
14 act; amending s. 320.02, F.S.; revising the motor
15 vehicle insurance coverages that an applicant must
16 show to register certain vehicles with the Department
17 of Highway Safety and Motor Vehicles; conforming a
18 provision to changes made by the act; revising
19 construction; amending s. 320.0609, F.S.; conforming a
20 provision to changes made by the act; amending s.
21 320.27, F.S.; defining the term "garage liability
22 insurance"; revising garage liability insurance
23 requirements for motor vehicle dealer license
24 applicants; conforming a provision to changes made by
25 the act; amending s. 320.771, F.S.; revising garage
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26 liability insurance requirements for recreational
27 vehicle dealer license applicants; amending ss.
28 322.251 and 322.34, F.S.; conforming provisions to
29 changes made by the act; amending s. 324.011, F.S.;
30 revising legislative intent; amending s. 324.021,
31 F.S.; revising and providing definitions; revising
32 minimum coverage requirements for proof of financial
33 responsibility for specified motor vehicles;
34 conforming provisions to changes made by the act;
35 amending s. 324.022, F.S.; revising minimum liability
36 coverage requirements for motor vehicle owners or
37 operators; revising authorized methods for meeting
38 such requirements; deleting a provision relating to an
39 insurer's duty to defend certain claims; revising the
40 vehicles that are excluded from the definition of the
41 term "motor vehicle"; providing security requirements
42 for certain excluded vehicles; conforming provisions
43 to changes made by the act; amending s. 324.0221,
44 F.S.; revising coverages that subject a policy to
45 certain insurer reporting and notice requirements;
46 conforming provisions to changes made by the act;
47 creating s. 324.0222, F.S.; providing that driver
48 license or motor vehicle registration suspensions for
49 failure to maintain required security which are in
50 effect before a specified date remain in full force
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51 and effect; providing that such suspended licenses or
52 registrations may be reinstated as provided in a
53 specified section; amending s. 324.023, F.S.;
54 conforming cross-references; amending s. 324.031,
55 F.S.; specifying a method of proving financial
56 responsibility by owners or operators of motor
57 vehicles other than for-hire passenger transportation
58 vehicles; revising the amount of a certificate of
59 deposit required to elect a certain method of proof of
60 financial responsibility; revising liability coverage
61 requirements for a person electing to use such method;
62 amending s. 324.032, F.S.; revising financial
63 responsibility requirements for owners or lessees of
64 for-hire passenger transportation vehicles; amending
65 s. 324.051, F.S.; making technical changes; specifying
66 that motor vehicles include motorcycles for purposes
67 of the section; amending ss. 324.071 and 324.091,
68 F.S.; making technical changes; amending s. 324.151,
69 F.S.; revising requirements for motor vehicle
70 liability insurance policies relating to coverage, and
71 exclusion from coverage, for certain drivers and
72 vehicles; conforming provisions to changes made by the
73 act; making technical changes; defining terms;
74 amending s. 324.161, F.S.; revising requirements for a
75 certificate of deposit that is required if a person
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76 elects a certain method of proving financial
77 responsibility; amending s. 324.171, F.S.; revising
78 the minimum net worth requirements to qualify certain
79 persons as self-insurers; conforming provisions to
80 changes made by the act; amending s. 324.251, F.S.;
81 revising a short title and an effective date; amending
82 s. 400.9905, F.S.; revising the definition of the term
83 "clinic"; amending ss. 400.991 and 400.9935, F.S.;
84 conforming provisions to changes made by the act;
85 amending s. 409.901, F.S.; revising the definition of
86 the term "third-party benefit"; amending s. 409.910,
87 F.S.; revising the definition of the term "medical
88 coverage"; amending s. 456.057, F.S.; conforming a
89 provision to changes made by the act; amending s.
90 456.072, F.S.; revising specified grounds for
91 discipline for certain health professions; defining
92 the term "upcode"; amending s. 624.155, F.S.;
93 providing an exception to the circumstances under
94 which a person who is damaged may bring a civil action
95 against an insurer; adding a cause of action against
96 insurers in certain circumstances; providing that a
97 person is not entitled to judgments under multiple bad
98 faith remedies; creating s. 624.156, F.S.; providing
99 that the section applies to bad faith failure to
100 settle third-party claim actions against any insurer
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101 for a loss arising out of the ownership, maintenance,
102 or use of a motor vehicle under specified
103 circumstances; providing construction; providing that
104 insurers have a duty of good faith; providing
105 construction; defining the term "bad faith failure to
106 settle"; requiring insurers to meet best practices
107 standards; providing circumstances under which a
108 notice is not effective; providing that the burden is
109 on the party bringing the bad faith claim; specifying
110 best practices standards for insurers upon receiving
111 actual notice of certain incidents or losses;
112 specifying certain requirements for insurer
113 communications to an insured; requiring an insurer to
114 initiate settlement negotiations under certain
115 circumstances; specifying requirements for the insurer
116 when multiple claims arise out of a single occurrence
117 under certain conditions; providing construction;
118 requiring an insurer to attempt to settle a claim on
119 behalf of certain insureds under certain
120 circumstances; providing for a defense to bad faith
121 actions; providing that insureds have a duty to
122 cooperate; requiring an insured to take certain
123 reasonable actions necessary to settle covered claims;
124 providing requirements for disclosures by insureds;
125 requiring insurers to provide certain notice to
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126 insureds within a specified timeframe; providing that
127 insurers may terminate certain defenses under certain
128 circumstances; providing that a trier of fact may not
129 attribute an insurer's failure to settle certain
130 claims to specified causes under certain
131 circumstances; specifying conditions precedent for
132 claimants filing bad faith failure to settle third-
133 party claim actions; providing that an insurer is
134 entitled to a reasonable opportunity to investigate
135 and evaluate claims under certain circumstances;
136 providing that insurers may not be held liable for the
137 failure to accept a settlement offer within a certain
138 timeframe if certain conditions are met; providing
139 that an insurer is not required to automatically
140 tender policy limits within a certain timeframe in
141 every case; requiring the party bringing a bad faith
142 failure to settle action to prove every element by the
143 greater weight of the evidence; specifying burdens of
144 proof for insurers relying on specified defenses;
145 limiting damages under certain circumstances;
146 providing construction; amending s. 626.9541, F.S.;
147 conforming a provision to changes made by the act;
148 revising certain prohibited acts related to specified
149 insurance coverage payment requirements; amending s.
150 626.989, F.S.; revising the definition of the term
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151 "fraudulent insurance act"; amending s. 627.06501,
152 F.S.; revising coverages that may provide for a
153 reduction in motor vehicle insurance policy premium
154 charges under certain circumstances; amending s.
155 627.0651, F.S.; specifying requirements for rate
156 filings for motor vehicle liability policies that
157 implement requirements in effect on a specified date;
158 requiring such filings to be approved through a
159 certain process; amending s. 627.0652, F.S.; revising
160 coverages that must provide a premium charge reduction
161 under certain circumstances; amending s. 627.0653,
162 F.S.; revising coverages that are subject to premium
163 discounts for specified motor vehicle equipment;
164 amending s. 627.4132, F.S.; revising coverages that
165 are subject to a stacking prohibition; amending s.
166 627.4137, F.S.; requiring that insurers disclose
167 certain information at the request of a claimant's
168 attorney; authorizing a claimant to file an action
169 under certain circumstances; providing for the award
170 of reasonable attorney fees and costs under certain
171 circumstances; amending s. 627.7263, F.S.; revising
172 coverages that are deemed primary, except under
173 certain circumstances, for the lessor of a motor
174 vehicle for lease or rent; revising a notice that is
175 required if the lessee's coverage is to be primary;
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176 creating s. 627.7265, F.S.; specifying persons whom
177 medical payments coverage must protect; specifying the
178 minimum medical expense limits; specifying coverage
179 options that an insurer is required and authorized to
180 offer; providing construction relating to limits on
181 certain other coverages; requiring insurers, upon
182 receiving certain notice of an accident, to hold a
183 specified reserve for certain purposes for a certain
184 timeframe; providing that the reserve requirement does
185 not require insurers to establish a claim reserve for
186 accounting purposes; prohibiting an insurer providing
187 medical payments coverage benefits from seeking a lien
188 on a certain recovery and bringing a certain cause of
189 action; authorizing insurers to include policy
190 provisions allowing for subrogation, under certain
191 circumstances, for medical payments benefits paid;
192 providing construction; specifying a requirement for
193 an insured for repayment of medical payments benefits
194 under certain circumstances; prohibiting insurers from
195 including policy provisions allowing for subrogation
196 for death benefits paid; amending s. 627.727, F.S.;
197 conforming provisions to changes made by the act;
198 revising the legal liability of an uninsured motorist
199 coverage insurer; amending s. 627.7275, F.S.; revising
200 required coverages for a motor vehicle insurance
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201 policy; conforming provisions to changes made by the
202 act; creating s. 627.72761, F.S.; requiring motor
203 vehicle insurance policies to provide death benefits;
204 specifying requirements for such benefits; specifying
205 persons to whom such benefits may and may not be paid;
206