Florida 2022 Regular Session

Florida House Bill H1525 Compare Versions

Only one version of the bill is available at this time.

Old	New	Differences
1	1
2	2
3	3	HB 1525 2022
4	4
5	5
6	6
7	7	CODING: Words stricken are deletions; words underlined are additions.
8	8	hb1525-00
9	9	Page 1 of 131
10	10	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
11	11
12	12
13	13
14	14	A bill to be entitled 1
15	15	An act relating to motor vehicle insurance; repealing 2
16	16	ss. 627.730, 627.731, 627.7311, 627.732, 627.733, 3
17	17	627.734, 627.736, 627.737, 627.739, 627.7401, 4
18	18	627.7403, 627.7405, F.S., which comprise the Florida 5
19	19	Motor Vehicle No-Fault Law; repealing s. 627.7407, 6
20	20	F.S., relating to application of the Florida Motor 7
21	21	Vehicle No-Fault Law; amending s. 316.2122, F.S.; 8
22	22	conforming a cross-reference; amending s. 316.646, 9
23	23	F.S.; revising a requirement for proof of security on 10
24	24	a motor vehicle and the applicability of the 11
25	25	requirement; amending s. 318.18, F.S.; conforming a 12
26	26	provision to changes made by the act; amending s. 13
27	27	320.02, F.S.; revising the motor vehicle insurance 14
28	28	coverages that an applicant must show to register 15
29	29	certain vehicles with the Department of Highway Safety 16
30	30	and Motor Vehicles; conforming a provision to changes 17
31	31	made by the act; revising construction; amending s. 18
32	32	320.0609, F.S.; conforming a provision to changes made 19
33	33	by the act; amending s. 320.27, F.S.; defining the 20
34	34	term "garage liability insurance"; revising garag e 21
35	35	liability insurance requirements for motor vehicle 22
36	36	dealer applicants; conforming a provision to changes 23
37	37	made by the act; amending s. 320.771, F.S.; revising 24
38	38	garage liability insurance requirements for 25
39	39
40	40	HB 1525 2022
41	41
42	42
43	43
44	44	CODING: Words stricken are deletions; words underlined are additions.
45	45	hb1525-00
46	46	Page 2 of 131
47	47	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
48	48
49	49
50	50
51	51	recreational vehicle dealer license applicants; 26
52	52	amending ss. 322.251 and 322.34, F.S.; conforming 27
53	53	provisions to changes made by the act; amending s. 28
54	54	324.011, F.S.; revising legislative intent; amending 29
55	55	s. 324.021, F.S.; revising and providing definitions; 30
56	56	revising minimum coverage requirements for proof of 31
57	57	financial responsibility for specified motor vehicles; 32
58	58	conforming provisions to changes made by the act; 33
59	59	amending s. 324.022, F.S.; revising minimum liability 34
60	60	coverage requirements for motor vehicle owners or 35
61	61	operators; revising authorized methods for meeti ng 36
62	62	such requirements; deleting a provision relating to an 37
63	63	insurer's duty to defend certain claims; revising the 38
64	64	vehicles that are excluded from the definition of the 39
65	65	term "motor vehicle"; providing security requirements 40
66	66	for certain excluded vehicles; confo rming provisions 41
67	67	to changes made by the act; amending s. 324.0221, 42
68	68	F.S.; revising coverages that subject a policy to 43
69	69	certain insurer reporting and notice requirements; 44
70	70	conforming provisions to changes made by the act; 45
71	71	creating s. 324.0222, F.S.; providing that driver 46
72	72	license or motor vehicle registration suspensions for 47
73	73	failure to maintain required security which are in 48
74	74	effect before a specified date remain in full force 49
75	75	and effect; providing that such suspended licenses or 50
76	76
77	77	HB 1525 2022
78	78
79	79
80	80
81	81	CODING: Words stricken are deletions; words underlined are additions.
82	82	hb1525-00
83	83	Page 3 of 131
84	84	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
85	85
86	86
87	87
88	88	registrations may be reinstated a s provided in a 51
89	89	specified section; amending s. 324.023, F.S.; 52
90	90	conforming cross-references; amending s. 324.031, 53
91	91	F.S.; specifying a method of proving financial 54
92	92	responsibility by owners or operators of motor 55
93	93	vehicles other than for -hire passenger transportat ion 56
94	94	vehicles; revising the amount of a certificate of 57
95	95	deposit required to elect a certain method of proof of 58
96	96	financial responsibility; revising liability coverage 59
97	97	requirements for a person electing to use such method; 60
98	98	amending s. 324.032, F.S.; revising fi nancial 61
99	99	responsibility requirements for owners or lessees of 62
100	100	for-hire passenger transportation vehicles; amending 63
101	101	s. 324.051, F.S.; making technical changes; specifying 64
102	102	that motor vehicles include motorcycles for purposes 65
103	103	of the section; amending ss. 324.0 71 and 324.091, 66
104	104	F.S.; making technical changes; amending s. 324.151, 67
105	105	F.S.; revising requirements for motor vehicle 68
106	106	liability insurance policies relating to coverage, and 69
107	107	exclusion from coverage, for certain drivers and 70
108	108	vehicles; conforming provisions to ch anges made by the 71
109	109	act; making technical changes; providing definitions; 72
110	110	amending s. 324.161, F.S.; revising requirements for a 73
111	111	certificate of deposit that is required if a person 74
112	112	elects a certain method of proving financial 75
113	113
114	114	HB 1525 2022
115	115
116	116
117	117
118	118	CODING: Words stricken are deletions; words underlined are additions.
119	119	hb1525-00
120	120	Page 4 of 131
121	121	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
122	122
123	123
124	124
125	125	responsibility; amending s. 324. 171, F.S.; revising 76
126	126	the minimum net worth requirements to qualify certain 77
127	127	persons as self-insurers; conforming provisions to 78
128	128	changes made by the act; amending s. 324.251, F.S.; 79
129	129	revising the short title and an effective date; 80
130	130	amending s. 400.9905, F.S.; rev ising the definition of 81
131	131	the term "clinic"; amending ss. 400.991 and 400.9935, 82
132	132	F.S.; conforming provisions to changes made by the 83
133	133	act; amending s. 409.901, F.S.; revising the 84
134	134	definition of the term "third -party benefit"; amending 85
135	135	s. 409.910, F.S.; revising the definition of the term 86
136	136	"medical coverage"; amending s. 456.057, F.S.; 87
137	137	conforming a provision to changes made by the act; 88
138	138	amending s. 456.072, F.S.; revising specified grounds 89
139	139	for discipline for certain health professions; 90
140	140	defining the term "upcode"; am ending s. 626.9541, 91
141	141	F.S.; conforming a provision to changes made by the 92
142	142	act; revising certain prohibited act related to 93
143	143	specified insurance coverage payment requirements; 94
144	144	amending s. 626.989, F.S.; revising the definition of 95
145	145	the term "fraudulent insurance act"; amending s. 96
146	146	627.06501, F.S.; revising coverages that may provide 97
147	147	for a reduction in motor vehicle insurance policy 98
148	148	premium charges under certain circumstances; amending 99
149	149	s. 627.0651, F.S.; specifying requirements for rate 100
150	150
151	151	HB 1525 2022
152	152
153	153
154	154
155	155	CODING: Words stricken are deletions; words underlined are additions.
156	156	hb1525-00
157	157	Page 5 of 131
158	158	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
159	159
160	160
161	161
162	162	filings for motor vehicle lia bility policies that 101
163	163	implement requirements in effect on a specified date; 102
164	164	requiring such filings to be approved through a 103
165	165	certain process; amending s. 627.0652, F.S.; revising 104
166	166	coverages that must provide a premium charge reduction 105
167	167	under certain circumstan ces; amending s. 627.0653, 106
168	168	F.S.; revising coverages that are subject to premium 107
169	169	discounts for specified motor vehicle equipment; 108
170	170	amending s. 627.4132, F.S.; revising coverages that 109
171	171	are subject to a stacking prohibition; amending s. 110
172	172	627.4137, F.S.; requirin g that insurers disclose 111
173	173	certain information at the request of a claimant's 112
174	174	attorney; authorizing a claimant to file an action 113
175	175	under certain circumstances; providing for the award 114
176	176	of reasonable attorney fees and costs under certain 115
177	177	circumstances; amending s. 627.7263, F.S.; revising 116
178	178	coverages that are deemed primary, except under 117
179	179	certain circumstances, for the lessor of a motor 118
180	180	vehicle for lease or rent; revising a notice that is 119
181	181	required if the lessee's coverage is to be primary; 120
182	182	creating s. 627.7265, F.S. ; specifying persons whom 121
183	183	medical payments coverage must protect; specifying the 122
184	184	minimum medical expense limits; specifying coverage 123
185	185	options that an insurer is required and authorized to 124
186	186	offer; providing construction relating to limits on 125
187	187
188	188	HB 1525 2022
189	189
190	190
191	191
192	192	CODING: Words stricken are deletions; words underlined are additions.
193	193	hb1525-00
194	194	Page 6 of 131
195	195	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
196	196
197	197
198	198
199	199	certain other coverages; requiring insurers, upon 126
200	200	receiving certain notice of an accident, to hold a 127
201	201	specified reserve for certain purposes for a certain 128
202	202	timeframe; providing that the reserve requirement does 129
203	203	not require insurers to establish a claim reserve for 130
204	204	accounting purposes; specifying that an insurer 131
205	205	providing medical payments coverage benefits may not 132
206	206	seek a lien on a certain recovery and may not bring a 133
207	207	certain cause of action; authorizing insurers to 134
208	208	include policy provisions allowing for subrogation, 135
209	209	under certain circumstances, for medical payments 136
210	210	benefits paid; providing construction; specifying a 137
211	211	requirement for an insured for repayment of medical 138
212	212	payments benefits under certain circumstances; 139
213	213	prohibiting insurers from including policy provisions 140
214	214	allowing for subrogation for death benefits paid; 141
215	215	amending s. 627.727, F.S.; conforming provisions to 142
216	216	changes made by the act; revising the legal liability 143
217	217	of an uninsured motorist coverage insurer; amending s. 144
218	218	627.7275, F.S.; revising required coverages for a 145
219	219	motor vehicle insurance policy; conforming provisions 146
220	220	to changes made by the act; creating s. 627.72761, 147
221	221	F.S.; requiring motor vehicle insurance policies to 148
222	222	provide death benefits; specifying requirements for 149
223	223	such benefits; specifying persons to whom such 150
224	224
225	225	HB 1525 2022
226	226
227	227
228	228
229	229	CODING: Words stricken are deletions; words underlined are additions.
230	230	hb1525-00
231	231	Page 7 of 131
232	232	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
233	233
234	234
235	235
236	236	benefits may and may not be paid; creating s. 151
237	237	627.7278, F.S.; defining the term "minimum security 152
238	238	requirements"; providing a prohibition, requirements, 153
239	239	applicability, and construction relating to motor 154
240	240	vehicle insurance policies as of a certain date; 155
241	241	requiring insurers to allow certain insureds to make 156
242	242	certain coverage changes, subject to certain 157
243	243	conditions; requiring an insurer to provide, by a 158
244	244	specified date, a specified notice to policyholders 159
245	245	relating to requirements under the act; amending s. 160
246	246	627.728, F.S.; conforming a provision to changes made 161
247	247	by the act; amending s. 627.7295, F.S.; revising the 162
248	248	definitions of the terms "policy" and "binder"; 163
249	249	revising the coverages of a motor vehicle insurance 164
250	250	policy for which a licensed general lines agent may 165
251	251	charge a specified fee; conforming provisions to 166
252	252	changes made by the act; amending s. 627.7415, F.S.; 167
253	253	revising additional liability insurance requirements 168
254	254	for commercial motor vehicles; amending s. 627.747, 169
255	255	F.S.; conforming provisions to changes made by the 170
256	256	act; amending s. 627.748, F.S.; revising insurance 171
257	257	requirements for transportation network company 172
258	258	drivers; conforming provisions to changes made by the 173
259	259	act; conforming cross -references; amending s. 174
260	260	627.7483, F.S.; conforming cross -references; 175
261	261
262	262	HB 1525 2022
263	263
264	264
265	265
266	266	CODING: Words stricken are deletions; words underlined are additions.
267	267	hb1525-00
268	268	Page 8 of 131
269	269	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
270	270
271	271
272	272
273	273	conforming provisions to changes made by the act; 176
274	274	amending s. 627.749, F.S.; conforming a provision to 177
275	275	changes made by the act; amending s. 627.8405, F.S.; 178
276	276	revising coverages in a policy sold in combination 179
277	277	with an accidental death and dismemberment policy 180
278	278	which a premium finan ce company may not finance; 181
279	279	revising rulemaking authority of the Financial 182
280	280	Services Commission; amending ss. 627.915, 628.909, 183
281	281	705.184, and 713.78, F.S.; conforming provisions to 184
282	282	changes made by the act; creating s. 768.852, F.S.; 185
283	283	providing for a setoff on certain damages that may be 186
284	284	recovered by a person operating certain motor vehicles 187
285	285	who is not in compliance with financial responsibility 188
286	286	laws; providing exceptions; amending s. 817.234, F.S.; 189
287	287	revising coverages that are the basis of specified 190
288	288	prohibited false and fraudulent insurance claims; 191
289	289	conforming provisions to changes made by the act; 192
290	290	deleting provisions relating to prohibited changes in 193
291	291	certain mental or physical reports; providing an 194
292	292	appropriation; providing effective dates. 195
293	293	196
294	294	Be It Enacted by the Legislature of the State of Florida: 197
295	295	198
296	296	Section 1. Sections 627.730, 627.731, 627.7311, 627.732, 199
297	297	627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403, 200
298	298
299	299	HB 1525 2022
300	300
301	301
302	302
303	303	CODING: Words stricken are deletions; words underlined are additions.
304	304	hb1525-00
305	305	Page 9 of 131
306	306	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
307	307
308	308
309	309
310	310	and 627.7405, Florida Statutes, are repealed. 201
311	311	Section 2. Section 627.7407, Florida Statutes, is 202
312	312	repealed. 203
313	313	Section 3. Paragraph (e) of subsection (2) of section 204
314	314	316.2122, Florida Statutes, is amended to read: 205
315	315	316.2122 Operation of a low -speed vehicle, mini truck, or 206
316	316	low-speed autonomous delivery vehicle on certain roadways. — 207
317	317	(2) The operation of a low -speed autonomous delivery 208
318	318	vehicle on any road is authorized with the following 209
319	319	restrictions: 210
320	320	(e) A low-speed autonomous delivery vehicle must be 211
321	321	covered by a policy of automobile insurance which provides the 212
322	322	coverage required by s. 627.749(2)(a)1. and, 2., and 3. The 213
323	323	coverage requirements of this paragraph may be satisfied by 214
324	324	automobile insurance maintained by the owner of a low -speed 215
325	325	autonomous delivery vehicle, the owner of the teleoperation 216
326	326	system, the remote human operator, or a combination thereof. 217
327	327	Section 4. Subsection (1) of section 316.646, Florida 218
328	328	Statutes, is amended to read: 219
329	329	316.646 Security required; proof of security and display 220
330	330	thereof.— 221
331	331	(1) Any person required by s. 324.022 to maintain 222
332	332	liability security for property damage, liability security, 223
333	333	required by s. 324.023 to maintain liability security for bodily 224
334	334	injury, or death, or required by s. 627.733 to maintain personal 225
335	335
336	336	HB 1525 2022
337	337
338	338
339	339
340	340	CODING: Words stricken are deletions; words underlined are additions.
341	341	hb1525-00
342	342	Page 10 of 131
343	343	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
344	344
345	345
346	346
347	347	injury protection security on a motor vehicle shall have in his 226
348	348	or her immediate possession at all times while operating a such 227
349	349	motor vehicle proper proof of maintenance of the required 228
350	350	security required under s. 324.021(7) . 229
351	351	(a) Such proof must shall be in a uniform paper or 230
352	352	electronic format, as prescribed by the department, a valid 231
353	353	insurance policy, an insurance policy binder, a certificate of 232
354	354	insurance, or such other proof as may be prescribed by the 233
355	355	department. 234
356	356	(b)1. The act of presenting to a law enforcement officer 235
357	357	an electronic device displaying proof of insurance in an 236
358	358	electronic format does not constitute consent for the officer to 237
359	359	access any information on the device other than the displayed 238
360	360	proof of insurance. 239
361	361	2. The person who presents the device to the officer 240
362	362	assumes the liability for any resulting damage to the device. 241
363	363	Section 5. Paragraph (b) of subsection (2) of section 242
364	364	318.18, Florida Statutes, is amended to read: 243
365	365	318.18 Amount of penalties. —The penalties required for a 244
366	366	noncriminal disposition pursuant to s. 318.14 or a criminal 245
367	367	offense listed in s. 318.17 are as f ollows: 246
368	368	(2) Thirty dollars for all nonmoving traffic violations 247
369	369	and: 248
370	370	(b) For all violations of ss. 320.0605, 320.07(1), 249
371	371	322.065, and 322.15(1). A Any person who is cited for a 250
372	372
373	373	HB 1525 2022
374	374
375	375
376	376
377	377	CODING: Words stricken are deletions; words underlined are additions.
378	378	hb1525-00
379	379	Page 11 of 131
380	380	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
381	381
382	382
383	383
384	384	violation of s. 320.07(1) shall be charged a delinquent fee 251
385	385	pursuant to s. 320.07(4). 252
386	386	1. If a person who is cited for a violation of s. 320.0605 253
387	387	or s. 320.07 can show proof of having a valid registration at 254
388	388	the time of arrest, the clerk of the court may dismiss the case 255
389	389	and may assess a dismissal fee of up to $10, from which the 256
390	390	clerk shall remit $2.50 to the Department of Revenue for deposit 257
391	391	into the General Revenue Fund. A person who finds it impossible 258
392	392	or impractical to obtain a valid registration certificate must 259
393	393	submit an affidavit detailing the reasons for the impossibility 260
394	394	or impracticality. The reasons may include, but are not limited 261
395	395	to, the fact that the vehicle was sold, stolen, or destroyed; 262
396	396	that the state in which the vehicle is registered does not issue 263
397	397	a certificate of registration; or that the vehicle is owned by 264
398	398	another person. 265
399	399	2. If a person who is cited for a violation of s. 322.03, 266
400	400	s. 322.065, or s. 322.15 can show a driver license issued to him 267
401	401	or her and valid at the time of arrest, the clerk of the court 268
402	402	may dismiss the case and may assess a dismissal fee o f up to 269
403	403	$10, from which the clerk shall remit $2.50 to the Department of 270
404	404	Revenue for deposit into the General Revenue Fund. 271
405	405	3. If a person who is cited for a violation of s. 316.646 272
406	406	can show proof of security as required by s. 324.021(7) s. 273
407	407	627.733, issued to the person and valid at the time of arrest, 274
408	408	the clerk of the court may dismiss the case and may assess a 275
409	409
410	410	HB 1525 2022
411	411
412	412
413	413
414	414	CODING: Words stricken are deletions; words underlined are additions.
415	415	hb1525-00
416	416	Page 12 of 131
417	417	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
418	418
419	419
420	420
421	421	dismissal fee of up to $10, from which the clerk shall remit 276
422	422	$2.50 to the Department of Revenue for deposit into the General 277
423	423	Revenue Fund. A pers on who finds it impossible or impractical to 278
424	424	obtain proof of security must submit an affidavit detailing the 279
425	425	reasons for the impracticality. The reasons may include, but are 280
426	426	not limited to, the fact that the vehicle has since been sold, 281
427	427	stolen, or destroyed; that the owner or registrant of the 282
428	428	vehicle is not required by s. 627.733 to maintain personal 283
429	429	injury protection insurance; or that the vehicle is owned by 284
430	430	another person. 285
431	431	Section 6. Paragraphs (a) and (d) of subsection (5) of 286
432	432	section 320.02, Florid a Statutes, are amended to read: 287
433	433	320.02 Registration required; application for 288
434	434	registration; forms. — 289
435	435	(5)(a) Proof that bodily injury liability coverage and 290
436	436	property damage liability coverage personal injury protection 291
437	437	benefits have been purchased if re quired under s. 324.022, s. 292
438	438	324.032, or s. 627.742 s. 627.733, that property damage 293
439	439	liability coverage has been purchased as required under s. 294
440	440	324.022, that bodily injury liability or death coverage has been 295
441	441	purchased if required under s. 324.023, and that combined bodily 296
442	442	liability insurance and property damage liability insurance have 297
443	443	been purchased if required under s. 627.7415 must shall be 298
444	444	provided in the manner prescribed by law by the applicant at the 299
445	445	time of application for registration of any motor vehicle that 300
446	446
447	447	HB 1525 2022
448	448
449	449
450	450
451	451	CODING: Words stricken are deletions; words underlined are additions.
452	452	hb1525-00
453	453	Page 13 of 131
454	454	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
455	455
456	456
457	457
458	458	is subject to such requirements. The issuing agent may not shall 301
459	459	refuse to issue registration if such proof of purchase is not 302
460	460	provided. Insurers shall furnish uniform proof -of-purchase cards 303
461	461	in a paper or electronic format in a form prescribe d by the 304
462	462	department and include the name of the insured's insurance 305
463	463	company, the coverage identification number, and the make, year, 306
464	464	and vehicle identification number of the vehicle insured. The 307
465	465	card must contain a statement notifying the applicant of the 308
466	466	penalty specified under s. 316.646(4). The card or insurance 309
467	467	policy, insurance policy binder, or certificate of insurance or 310
468	468	a photocopy of any of these; an affidavit containing the name of 311
469	469	the insured's insurance company, the insured's policy number, 312
470	470	and the make and year of the vehicle insured; or such other 313
471	471	proof as may be prescribed by the department constitutes shall 314
472	472	constitute sufficient proof of purchase. If an affidavit is 315
473	473	provided as proof, it must be in substantially the following 316
474	474	form: 317
475	475	318
476	476	Under penalty of perjury, I ...(Name of insured)... do hereby 319
477	477	certify that I have ... ( bodily injury liability and Personal 320
478	478	Injury Protection, property damage liability , and, if required, 321
479	479	Bodily Injury Liability )... insurance currently in effect with 322
480	480	...(Name of insurance company)... under ...(policy number)... 323
481	481	covering ...(make, year, and vehicle identification number of 324
482	482	vehicle).... ...(Signature of Insured)... 325
483	483
484	484	HB 1525 2022
485	485
486	486
487	487
488	488	CODING: Words stricken are deletions; words underlined are additions.
489	489	hb1525-00
490	490	Page 14 of 131
491	491	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
492	492
493	493
494	494
495	495	326
496	496	Such affidavit must include the following warning: 327
497	497	328
498	498	WARNING: GIVING FALSE INFORMATION IN ORDER TO OBT AIN A VEHICLE 329
499	499	REGISTRATION CERTIFICATE IS A CRIMINAL OFFENSE UNDER FLORIDA 330
500	500	LAW. ANYONE GIVING FALSE INFORMATION ON THIS AFFIDAVIT IS 331
501	501	SUBJECT TO PROSECUTION. 332
502	502	333
503	503	If an application is made through a licensed motor vehicle 334
504	504	dealer as required under s. 319.23, the original or a photocopy 335
505	505	photostatic copy of such card, insurance policy, insurance 336
506	506	policy binder, or certificate of insurance or the original 337
507	507	affidavit from the insured must shall be forwarded by the dealer 338
508	508	to the tax collector of the county or the Depart ment of Highway 339
509	509	Safety and Motor Vehicles for processing. By executing the 340
510	510	aforesaid affidavit, a no licensed motor vehicle dealer is not 341
511	511	will be liable in damages for any inadequacy, insufficiency, or 342
512	512	falsification of any statement contained therein. A card must 343
513	513	also indicate the existence of any bodily injury liability 344
514	514	insurance voluntarily purchased. 345
515	515	(d) The verifying of proof of personal injury protection 346
516	516	insurance, proof of property damage liability insurance, proof 347
517	517	of combined bodily liability insur ance and property damage 348
518	518	liability insurance, or proof of financial responsibility 349
519	519	insurance and the issuance or failure to issue the motor vehicle 350
520	520
521	521	HB 1525 2022
522	522
523	523
524	524
525	525	CODING: Words stricken are deletions; words underlined are additions.
526	526	hb1525-00
527	527	Page 15 of 131
528	528	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
529	529
530	530
531	531
532	532	registration under the provisions of this chapter may not be 351
533	533	construed in any court as a warranty of the rel iability or 352
534	534	accuracy of the evidence of such proof or as meaning that the 353
535	535	provisions of any insurance policy furnished as proof of 354
536	536	financial responsibility comply with state law . Neither the 355
537	537	department nor any tax collector is liable in damages for any 356
538	538	inadequacy, insufficiency, falsification, or unauthorized 357
539	539	modification of any item of the proof of personal injury 358
540	540	protection insurance, proof of property damage liability 359
541	541	insurance, proof of combined bodily liability insurance and 360
542	542	property damage liability i nsurance, or proof of financial 361
543	543	responsibility before insurance prior to, during, or subsequent 362
544	544	to the verification of the proof. The issuance of a motor 363
545	545	vehicle registration does not constitute prima facie evidence or 364
546	546	a presumption of insurance coverage. 365
547	547	Section 7. Paragraph (b) of subsection (1) of section 366
548	548	320.0609, Florida Statutes, is amended to read: 367
549	549	320.0609 Transfer and exchange of registration license 368
550	550	plates; transfer fee. — 369
551	551	(1) 370
552	552	(b) The transfer of a license plate from a vehicle 371
553	553	disposed of to a newly acquired vehicle does not constitute a 372
554	554	new registration. The application for transfer must shall be 373
555	555	accepted without requiring proof of personal injury protection 374
556	556	or liability insurance. 375
557	557
558	558	HB 1525 2022
559	559
560	560
561	561
562	562	CODING: Words stricken are deletions; words underlined are additions.
563	563	hb1525-00
564	564	Page 16 of 131
565	565	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
566	566
567	567
568	568
569	569	Section 8. Subsection (3) of section 320.27, Florida 376
570	570	Statutes, is amended, and paragraph (g) is added to subsection 377
571	571	(1) of that section, to read: 378
572	572	320.27 Motor vehicle dealers. — 379
573	573	(1) DEFINITIONS.—The following words, terms, and phrases 380
574	574	when used in this section have the meanings respectively 381
575	575	ascribed to them in this subsection, except where the context 382
576	576	clearly indicates a different meaning: 383
577	577	(g) "Garage liability insurance" means, beginning July 1, 384
578	578	2023, combined single -limit liability coverage, including 385
579	579	property damage and bodily injury liability coverage , in the 386
580	580	amount of at least $60,000. 387
581	581	(3) APPLICATION AND FEE. —The application for the license 388
582	582	application must shall be in such form as may be prescribed by 389
583	583	the department and is shall be subject to such rules with 390
584	584	respect thereto as may be so prescribed by the department it. 391
585	585	Such application must shall be verified by oath or affirmation 392
586	586	and must shall contain a full statement of the name and birth 393
587	587	date of the person or persons applying for the license therefor; 394
588	588	the name of the firm or copartnership, with the names and places 395
589	589	of residence of all members thereof, if such applicant is a firm 396
590	590	or copartnership; the names and places of residence of the 397
591	591	principal officers, if the applicant is a body corporate or 398
592	592	other artificial body; the name of the state under whose laws 399
593	593	the corporation is organized; the present and former place or 400
594	594
595	595	HB 1525 2022
596	596
597	597
598	598
599	599	CODING: Words stricken are deletions; words underlined are additions.
600	600	hb1525-00
601	601	Page 17 of 131
602	602	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
603	603
604	604
605	605
606	606	places of residence of the applicant; and the prior business in 401
607	607	which the applicant has been engaged and its the location 402
608	608	thereof. The Such application must shall describe the exact 403
609	609	location of the place of business and must shall state whether 404
610	610	the place of business is owned by the applicant and when 405
611	611	acquired, or, if leased, a true copy of the lease must shall be 406
612	612	attached to the application. The applicant shall cer tify that 407
613	613	the location provides an adequately equipped office and is not a 408
614	614	residence; that the location affords sufficient unoccupied space 409
615	615	upon and within which adequately to store all motor vehicles 410
616	616	offered and displayed for sale; and that the location i s a 411
617	617	suitable place where the applicant can in good faith carry on 412
618	618	such business and keep and maintain books, records, and files 413
619	619	necessary to conduct such business, which must shall be 414
620	620	available at all reasonable hours to inspection by the 415
621	621	department or any of its inspectors or other employees. The 416
622	622	applicant shall certify that the business of a motor vehicle 417
623	623	dealer is the principal business that will which shall be 418
624	624	conducted at that location. The application must shall contain a 419
625	625	statement that the applicant is either franchised by a 420
626	626	manufacturer of motor vehicles, in which case the name of each 421
627	627	motor vehicle that the applicant is franchised to sell must 422
628	628	shall be included, or an independent (nonfranchised) motor 423
629	629	vehicle dealer. The application must shall contain other 424
630	630	relevant information as may be required by the department . The 425
631	631
632	632	HB 1525 2022
633	633
634	634
635	635
636	636	CODING: Words stricken are deletions; words underlined are additions.
637	637	hb1525-00
638	638	Page 18 of 131
639	639	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
640	640
641	641
642	642
643	643	applicant shall furnish , including evidence, in a form approved 426
644	644	by the department, that the applicant is insured under a garage 427
645	645	liability insurance policy or a general liability insura nce 428
646	646	policy coupled with a business automobile policy having the 429
647	647	coverages and limits of the garage liability insurance coverage 430
648	648	in accordance with paragraph (1)(g) , which shall include, at a 431
649	649	minimum, $25,000 combined single -limit liability coverage 432
650	650	including bodily injury and property damage protection and 433
651	651	$10,000 personal injury protection . However, a salvage motor 434
652	652	vehicle dealer as defined in subparagraph (1)(c)5. is exempt 435
653	653	from the requirements for garage liability insurance and 436
654	654	personal injury protectio n insurance on those vehicles that 437
655	655	cannot be legally operated on roads, highways, or streets in 438
656	656	this state. Franchise dealers must submit a garage liability 439
657	657	insurance policy, and all other dealers must submit a garage 440
658	658	liability insurance policy or a genera l liability insurance 441
659	659	policy coupled with a business automobile policy. Such policy 442
660	660	must shall be for the license period, and evidence of a new or 443
661	661	continued policy must shall be delivered to the department at 444
662	662	the beginning of each license period. A license e shall deliver 445
663	663	to the department, in the manner prescribed by the department, 446
664	664	within 10 calendar days after any renewal or continuation of or 447
665	665	change in such policy or within 10 calendar days after any 448
666	666	issuance of a new policy, a copy of the renewed, conti nued, 449
667	667	changed, or new policy. Upon making an initial application, the 450
668	668
669	669	HB 1525 2022
670	670
671	671
672	672
673	673	CODING: Words stricken are deletions; words underlined are additions.
674	674	hb1525-00
675	675	Page 19 of 131
676	676	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
677	677
678	678
679	679
680	680	applicant shall pay to the department a fee of $300 in addition 451
681	681	to any other fees required by law. Applicants may choose to 452
682	682	extend the licensure period for 1 additional year for a total of 453
683	683	2 years. An initial applicant shall pay to the department a fee 454
684	684	of $300 for the first year and $75 for the second year, in 455
685	685	addition to any other fees required by law. An applicant for 456
686	686	renewal shall pay to the department $75 for a 1 -year renewal or 457
687	687	$150 for a 2-year renewal, in addition to any other fees 458
688	688	required by law. Upon making an application for a change of 459
689	689	location, the applicant person shall pay a fee of $50 in 460
690	690	addition to any other fees now required by law. The department 461
691	691	shall, in the case of ev ery application for initial licensure, 462
692	692	verify whether certain facts set forth in the application are 463
693	693	true. Each applicant, general partner in the case of a 464
694	694	partnership, or corporate officer and director in the case of a 465
695	695	corporate applicant shall, must file a set of fingerprints with 466
696	696	the department for the purpose of determining any prior criminal 467
697	697	record or any outstanding warrants. The department shall submit 468
698	698	the fingerprints to the Department of Law Enforcement for state 469
699	699	processing and forwarding to the Fe deral Bureau of Investigation 470
700	700	for federal processing. The actual cost of state and federal 471
701	701	processing must shall be borne by the applicant and is in 472
702	702	addition to the fee for licensure. The department may issue a 473
703	703	license to an applicant pending the results o f the fingerprint 474
704	704	investigation, which license is fully revocable if the 475
705	705
706	706	HB 1525 2022
707	707
708	708
709	709
710	710	CODING: Words stricken are deletions; words underlined are additions.
711	711	hb1525-00
712	712	Page 20 of 131
713	713	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
714	714
715	715
716	716
717	717	department subsequently determines that any facts set forth in 476
718	718	the application are not true or correctly represented. 477
719	719	Section 9. Paragraph (j) of subsection (3) of section 478
720	720	320.771, Florida Statutes, is amended to read: 479
721	721	320.771 License required of recreational vehicle dealers. — 480
722	722	(3) APPLICATION.—The application for such license shall be 481
723	723	in the form prescribed by the department and subject to such 482
724	724	rules as may be prescribed by it. The application shall be 483
725	725	verified by oath or affirmation and shall contain: 484
726	726	(j) A statement that the applicant is insured under a 485
727	727	garage liability insurance policy in accordance with s. 486
728	728	320.27(1)(g), which shall include, at a minimum, $25,000 487
729	729	combined single-limit liability coverage, including bodily 488
730	730	injury and property damage protection, and $10,000 personal 489
731	731	injury protection, if the applicant is to be licensed as a 490
732	732	dealer in, or intends to sell, recreational vehicles. However, a 491
733	733	garage liability policy is not required for the licensure of a 492
734	734	mobile home dealer who sells only park trailers. 493
735	735	494
736	736	The department shall, if it deems necessary, cause an 495
737	737	investigation to be made to ascertain if the facts set forth in 496
738	738	the application are true and may shall not issue a license to 497
739	739	the applicant until it is satisfied that the facts set forth in 498
740	740	the application are true. 499
741	741	Section 10. Subsections (1) and (2) of section 322.251, 500
742	742
743	743	HB 1525 2022
744	744
745	745
746	746
747	747	CODING: Words stricken are deletions; words underlined are additions.
748	748	hb1525-00
749	749	Page 21 of 131
750	750	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
751	751
752	752
753	753
754	754	Florida Statutes, are amended to read: 501
755	755	322.251 Notice of cancellation, suspension, revocat ion, or 502
756	756	disqualification of license. — 503
757	757	(1) All orders of cancellation, suspension, revocation, or 504
758	758	disqualification issued under the provisions of this chapter, 505
759	759	chapter 318, or chapter 324 must, or ss. 627.732-627.734 shall 506
760	760	be given either by personal deli very thereof to the licensee 507
761	761	whose license is being canceled, suspended, revoked, or 508
762	762	disqualified or by deposit in the United States mail in an 509
763	763	envelope, first class, postage prepaid, addressed to the 510
764	764	licensee at his or her last known mailing address furni shed to 511
765	765	the department. Such mailing by the department constitutes 512
766	766	notification, and any failure by the person to receive the 513
767	767	mailed order will not affect or stay the effective date or term 514
768	768	of the cancellation, suspension, revocation, or disqualification 515
769	769	of the licensee's driving privilege. 516
770	770	(2) The giving of notice and an order of cancellation, 517
771	771	suspension, revocation, or disqualification by mail is complete 518
772	772	upon expiration of 20 days after deposit in the United States 519
773	773	mail for all notices except those iss ued under chapter 324 or 520
774	774	ss. 627.732–627.734, which are complete 15 days after deposit in 521
775	775	the United States mail. Proof of the giving of notice and an 522
776	776	order of cancellation, suspension, revocation, or 523
777	777	disqualification in either manner must shall be made by entry in 524
778	778	the records of the department that such notice was given. The 525
779	779
780	780	HB 1525 2022
781	781
782	782
783	783
784	784	CODING: Words stricken are deletions; words underlined are additions.
785	785	hb1525-00
786	786	Page 22 of 131
787	787	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
788	788
789	789
790	790
791	791	entry is admissible in the courts of this state and constitutes 526
792	792	sufficient proof that such notice was given. 527
793	793	Section 11. Paragraph (a) of subsection (8) of section 528
794	794	322.34, Florida Statutes, is amended to read: 529
795	795	322.34 Driving while license suspended, revoked, canceled, 530
796	796	or disqualified.— 531
797	797	(8)(a) Upon the arrest of a person for the offense of 532
798	798	driving while the person's driver license or driving privilege 533
799	799	is suspended or revoked, the arresting officer shall determine: 534
800	800	1. Whether the person's driver license is suspended or 535
801	801	revoked, or the person is under suspension or revocation 536
802	802	equivalent status. 537
803	803	2. Whether the person's driver license has remained 538
804	804	suspended or revoked, or the pers on has been under suspension or 539
805	805	revocation equivalent status, since a conviction for the offense 540
806	806	of driving with a suspended or revoked license. 541
807	807	3. Whether the suspension, revocation, or suspension or 542
808	808	revocation equivalent status was made under s. 316.64 6 or s. 543
809	809	627.733, relating to failure to maintain required security, or 544
810	810	under s. 322.264, relating to habitual traffic offenders. 545
811	811	4. Whether the driver is the registered owner or co -owner 546
812	812	of the vehicle. 547
813	813	Section 12. Section 324.011, Florida Statutes, is amended 548
814	814	to read: 549
815	815	324.011 Legislative intent; purpose of chapter.— 550
816	816
817	817	HB 1525 2022
818	818
819	819
820	820
821	821	CODING: Words stricken are deletions; words underlined are additions.
822	822	hb1525-00
823	823	Page 23 of 131
824	824	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
825	825
826	826
827	827
828	828	(1) It is the intent of the Legislature that this chapter:551
829	829	(a) Ensure that the privilege of owning or operating a 552
830	830	motor vehicle in the state is exercised to recognize the 553
831	831	existing privilege to own or operate a motor vehicle on the 554
832	832	public streets and highways of this state when such vehicles are 555
833	833	used with due consideration for the safety of others and their 556
834	834	property., and to 557
835	835	(b) Promote safety. and 558
836	836	(c) Provide financial security re quirements for such 559
837	837	owners and or operators whose responsibility it is to recompense 560
838	838	others for injury to person or property caused by the operation 561
839	839	of a motor vehicle. 562
840	840	(2) The purpose of this chapter is to require that every 563
841	841	owner or operator of a motor vehicle required to be registered 564
842	842	in the state establish, maintain, and Therefore, it is required 565
843	843	herein that the operator of a motor vehicle involved in a crash 566
844	844	or convicted of certain traffic offenses meeting the operative 567
845	845	provisions of s. 324.051(2) sh all respond for such damages and 568
846	846	show proof of financial ability to respond for damages arising 569
847	847	out of the ownership, maintenance, or use of a motor vehicle in 570
848	848	future accidents as a requisite to owning or operating a motor 571
849	849	vehicle in the state his or her future exercise of such 572
850	850	privileges. 573
851	851	Section 13. Subsections (1) and (7) and paragraph (c) of 574
852	852	subsection (9) of section 324.021, Florida Statutes, are 575
853	853
854	854	HB 1525 2022
855	855
856	856
857	857
858	858	CODING: Words stricken are deletions; words underlined are additions.
859	859	hb1525-00
860	860	Page 24 of 131
861	861	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
862	862
863	863
864	864
865	865	amended, and subsection (12) is added to that section, to read: 576
866	866	324.021 Definitions; minimum insuranc e required.—The 577
867	867	following words and phrases when used in this chapter shall, for 578
868	868	the purpose of this chapter, have the meanings respectively 579
869	869	ascribed to them in this section, except in those instances 580
870	870	where the context clearly indicates a different meaning : 581
871	871	(1) MOTOR VEHICLE.—Every self-propelled vehicle that is 582
872	872	designed and required to be licensed for use upon a highway, 583
873	873	including trailers and semitrailers designed for use with such 584
874	874	vehicles, except traction engines, road rollers, farm tractors, 585
875	875	power shovels, and well drillers, and every vehicle that is 586
876	876	propelled by electric power obtained from overhead wires but not 587
877	877	operated upon rails, but not including any personal delivery 588
878	878	device or mobile carrier as defined in s. 316.003, bicycle, 589
879	879	electric bicycle, or moped. However, the term "motor vehicle" 590
880	880	does not include a motor vehicle as defined in s. 627.732(3) 591
881	881	when the owner of such vehicle has complied with the 592
882	882	requirements of ss. 627.730 -627.7405, inclusive, unless the 593
883	883	provisions of s. 324.051 apply; and, i n such case, the 594
884	884	applicable proof of insurance provisions of s. 320.02 apply. 595
885	885	(7) PROOF OF FINANCIAL RESPONSIBILITY. —Beginning July 1, 596
886	886	2023, That proof of ability to respond in damages for liability 597
887	887	on account of crashes arising out of the ownership, maintenance, 598
888	888	or use of a motor vehicle: 599
889	889	(a) With respect to a motor vehicle other than a 600
890	890
891	891	HB 1525 2022
892	892
893	893
894	894
895	895	CODING: Words stricken are deletions; words underlined are additions.
896	896	hb1525-00
897	897	Page 25 of 131
898	898	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
899	899
900	900
901	901
902	902	commercial motor vehicle, nonpublic sector bus, or for -hire 601
903	903	passenger transportation vehicle, in the amounts specified in s. 602
904	904	324.022(1). in the amount of $10,000 becaus e of bodily injury 603
905	905	to, or death of, one person in any one crash; 604
906	906	(b) Subject to such limits for one person, in the amount 605
907	907	of $20,000 because of bodily injury to, or death of, two or more 606
908	908	persons in any one crash; 607
909	909	(c) In the amount of $10,000 because of injury to, or 608
910	910	destruction of, property of others in any one crash; and 609
911	911	(b)(d) With respect to commercial motor vehicles and 610
912	912	nonpublic sector buses , in the amounts specified in s. 627.7415 611
913	913	ss. 627.7415 and 627.742, respectively . 612
914	914	(c) With respect to nonpublic sector buses, in the amounts 613
915	915	specified in s. 627.742. 614
916	916	(d) With respect to for -hire passenger transportation 615
917	917	vehicles, in the amounts specified in s. 324.032. 616
918	918	(9) OWNER; OWNER/LESSOR. — 617
919	919	(c) Application.— 618
920	920	1. The limits on liability in subpar agraphs (b)2. and 3. 619
921	921	do not apply to an owner of motor vehicles that are used for 620
922	922	commercial activity in the owner's ordinary course of business, 621
923	923	other than a rental company that rents or leases motor vehicles. 622
924	924	For purposes of this paragraph, the term "ren tal company" 623
925	925	includes only an entity that is engaged in the business of 624
926	926	renting or leasing motor vehicles to the general public and that 625
927	927
928	928	HB 1525 2022
929	929
930	930
931	931
932	932	CODING: Words stricken are deletions; words underlined are additions.
933	933	hb1525-00
934	934	Page 26 of 131
935	935	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
936	936
937	937
938	938
939	939	rents or leases a majority of its motor vehicles to persons with 626
940	940	no direct or indirect affiliation with the rental comp any. The 627
941	941	term "rental company" also includes: 628
942	942	a. A related rental or leasing company that is a 629
943	943	subsidiary of the same parent company as that of the renting or 630
944	944	leasing company that rented or leased the vehicle. 631
945	945	b. The holder of a motor vehicle title or an equity 632
946	946	interest in a motor vehicle title if the title or equity 633
947	947	interest is held pursuant to or to facilitate an asset -backed 634
948	948	securitization of a fleet of motor vehicles used solely in the 635
949	949	business of renting or leasing motor vehicles to the general 636
950	950	public and under the dominion and control of a rental company, 637
951	951	as described in this subparagraph, in the operation of such 638
952	952	rental company's business. 639
953	953	2. Furthermore, with respect to commercial motor vehicles 640
954	954	as defined in s. 207.002 or s. 320.01(25) s. 627.732, the limits 641
955	955	on liability in subparagraphs (b)2. and 3. do not apply if, at 642
956	956	the time of the incident, the commercial motor vehicle is being 643
957	957	used in the transportation of materials found to be hazardous 644
958	958	for the purposes of the Hazardous Materials Transpo rtation 645
959	959	Authorization Act of 1994, as amended, 49 U.S.C. ss. 5101 et 646
960	960	seq., and that is required pursuant to such act to carry 647
961	961	placards warning others of the hazardous cargo, unless at the 648
962	962	time of lease or rental either: 649
963	963	a. The lessee indicates in writing that the vehicle will 650
964	964
965	965	HB 1525 2022
966	966
967	967
968	968
969	969	CODING: Words stricken are deletions; words underlined are additions.
970	970	hb1525-00
971	971	Page 27 of 131
972	972	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
973	973
974	974
975	975
976	976	not be used to transport materials found to be hazardous for the 651
977	977	purposes of the Hazardous Materials Transportation Authorization 652
978	978	Act of 1994, as amended, 49 U.S.C. ss. 5101 et seq.; or 653
979	979	b. The lessee or other operator of the commer cial motor 654
980	980	vehicle has in effect insurance with limits of at least $5 655
981	981	million $5,000,000 combined property damage and bodily injury 656
982	982	liability. 657
983	983	3.a. A motor vehicle dealer, or a motor vehicle dealer's 658
984	984	leasing or rental affiliate, that provides a temporary 659
985	985	replacement vehicle at no charge or at a reasonable daily charge 660
986	986	to a service customer whose vehicle is being held for repair, 661
987	987	service, or adjustment by the motor vehicle dealer is immune 662
988	988	from any cause of action and is not liable, vicariously or 663
989	989	directly, under general law solely by reason of being the owner 664
990	990	of the temporary replacement vehicle for harm to persons or 665
991	991	property that arises out of the use, or operation, of the 666
992	992	temporary replacement vehicle by any person during the period 667
993	993	the temporary replac ement vehicle has been entrusted to the 668
994	994	motor vehicle dealer's service customer if there is no 669
995	995	negligence or criminal wrongdoing on the part of the motor 670
996	996	vehicle owner, or its leasing or rental affiliate. 671
997	997	b. For purposes of this section, and notwithstand ing any 672
998	998	other provision of general law, a motor vehicle dealer, or a 673
999	999	motor vehicle dealer's leasing or rental affiliate, that gives 674
1000	1000	possession, control, or use of a temporary replacement vehicle 675
1001	1001
1002	1002	HB 1525 2022
1003	1003
1004	1004
1005	1005
1006	1006	CODING: Words stricken are deletions; words underlined are additions.
1007	1007	hb1525-00
1008	1008	Page 28 of 131
1009	1009	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
1010	1010
1011	1011
1012	1012
1013	1013	to a motor vehicle dealer's service customer may not be adjud ged 676
1014	1014	liable in a civil proceeding absent negligence or criminal 677
1015	1015	wrongdoing on the part of the motor vehicle dealer, or the motor 678
1016	1016	vehicle dealer's leasing or rental affiliate, if the motor 679
1017	1017	vehicle dealer or the motor vehicle dealer's leasing or rental 680
1018	1018	affiliate executes a written rental or use agreement and obtains 681
1019	1019	from the person receiving the temporary replacement vehicle a 682
1020	1020	copy of the person's driver license and insurance information 683
1021	1021	reflecting at least the minimum motor vehicle insurance coverage 684
1022	1022	required in the state. Any subsequent determination that the 685
1023	1023	driver license or insurance information provided to the motor 686
1024	1024	vehicle dealer, or the motor vehicle dealer's leasing or rental 687
1025	1025	affiliate, was in any way false, fraudulent, misleading, 688
1026	1026	nonexistent, cancele d, not in effect, or invalid does not alter 689
1027	1027	or diminish the protections provided by this section, unless the 690
1028	1028	motor vehicle dealer, or the motor vehicle dealer's leasing or 691
1029	1029	rental affiliate, had actual knowledge thereof at the time 692
1030	1030	possession of the tempora ry replacement vehicle was provided. 693
1031	1031	c. For purposes of this subparagraph, the term "service 694
1032	1032	customer" does not include an agent or a principal of a motor 695
1033	1033	vehicle dealer or a motor vehicle dealer's leasing or rental 696
1034	1034	affiliate, and does not include an emp loyee of a motor vehicle 697
1035	1035	dealer or a motor vehicle dealer's leasing or rental affiliate 698
1036	1036	unless the employee was provided a temporary replacement 699
1037	1037	vehicle: 700
1038	1038
1039	1039	HB 1525 2022
1040	1040
1041	1041
1042	1042
1043	1043	CODING: Words stricken are deletions; words underlined are additions.
1044	1044	hb1525-00
1045	1045	Page 29 of 131
1046	1046	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
1047	1047
1048	1048
1049	1049
1050	1050	(I) While the employee's personal vehicle was being held 701
1051	1051	for repair, service, or adjustment by the m otor vehicle dealer; 702
1052	1052	(II) In the same manner as other customers who are 703
1053	1053	provided a temporary replacement vehicle while the customer's 704
1054	1054	vehicle is being held for repair, service, or adjustment; and 705
1055	1055	(III) The employee was not acting within the course and 706
1056	1056	scope of his or her employment. 707
1057	1057	(12) FOR-HIRE PASSENGER TRANSPORTATION VEHICLE. —Every for-708
1058	1058	hire vehicle as defined in s. 320.01(15) which is offered or 709
1059	1059	used to provide transportation for persons, including taxicabs, 710
1060	1060	limousines, and jitneys. 711
1061	1061	Section 14. Section 324.022, Florida Statutes, is amended 712
1062	1062	to read: 713
1063	1063	324.022 Financial responsibility requirements for property 714
1064	1064	damage.— 715
1065	1065	(1)(a) Beginning July 1, 2023, every owner or operator of 716
1066	1066	a motor vehicle required to be registered in this state shall 717
1067	1067	establish and continuously maintain the ability to respond in 718
1068	1068	damages for liability on account of accidents arising out of the 719
1069	1069	use of the motor vehicle in the amount of : 720
1070	1070	1. Twenty-five thousand dollars for bodily injury to, or 721
1071	1071	the death of, one person in any on e crash and, subject to such 722
1072	1072	limits for one person, in the amount of $50,000 for bodily 723
1073	1073	injury to, or the death of, two or more persons in any one 724
1074	1074	crash; and 725
1075	1075
1076	1076	HB 1525 2022
1077	1077
1078	1078
1079	1079
1080	1080	CODING: Words stricken are deletions; words underlined are additions.
1081	1081	hb1525-00
1082	1082	Page 30 of 131
1083	1083	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
1084	1084
1085	1085
1086	1086
1087	1087	2. Ten thousand dollars for $10,000 because of damage to, 726
1088	1088	or destruction of, property of others in any one crash. 727
1089	1089	(b) The requirements of paragraph (a) this section may be 728
1090	1090	met by one of the methods established in s. 324.031; by self -729
1091	1091	insuring as authorized by s. 768.28(16); or by maintaining a 730
1092	1092	motor vehicle liability insurance policy that an insurance 731
1093	1093	policy providing coverage for property damage liability in the 732
1094	1094	amount of at least $10,000 because of damage to, or destruction 733
1095	1095	of, property of others in any one accident arising out of the 734
1096	1096	use of the motor vehicle. The requirements of this section may 735
1097	1097	also be met by having a policy which provides combined property 736
1098	1098	damage liability and bodily injury liability coverage for any 737
1099	1099	one crash arising out of the ownership, maintenance, or use of a 738
1100	1100	motor vehicle and that conforms to the requirements of s. 739
1101	1101	324.151 in the amount of at least $60,000 for every owner or 740
1102	1102	operator subject to the financial responsibility required in 741
1103	1103	paragraph (a) $30,000 for combined property damage liability and 742
1104	1104	bodily injury liability for any one crash arising out of the use 743
1105	1105	of the motor vehicle. The policy, with respect to coverage for 744
1106	1106	property damage liability, must meet the applicable requirements 745
1107	1107	of s. 324.151, subject to the usual policy exclusions that have 746
1108	1108	been approved in policy forms by the Office of Insurance 747
1109	1109	Regulation. No insurer shall have any duty to defend uncovered 748
1110	1110	claims irrespective of their joinder with covered claims . 749
1111	1111	(2) As used in this section, the term: 750
1112	1112
1113	1113	HB 1525 2022
1114	1114
1115	1115
1116	1116
1117	1117	CODING: Words stricken are deletions; words underlined are additions.
1118	1118	hb1525-00
1119	1119	Page 31 of 131
1120	1120	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
1121	1121
1122	1122
1123	1123
1124	1124	(a) "Motor vehicle" means any self -propelled vehicle that 751
1125	1125	has four or more wheels and that is of a type designe d and 752
1126	1126	required to be licensed for use on the highways of this state, 753
1127	1127	and any trailer or semitrailer designed for use with such 754
1128	1128	vehicle. The term does not include the following: 755
1129	1129	1. A mobile home as defined in s. 320.01(2)(a) . 756
1130	1130	2. A motor vehicle that is used in mass transit and 757
1131	1131	designed to transport more than five passengers, exclusive of 758
1132	1132	the operator of the motor vehicle, and that is owned by a 759
1133	1133	municipality, transit authority, or political subdivision of the 760
1134	1134	state. 761
1135	1135	3. A school bus as defined in s. 1006 .25, which must 762
1136	1136	maintain security as required under s. 316.615 . 763
1137	1137	4. A commercial motor vehicle as defined in s. 207.002 or 764
1138	1138	s. 320.01(25), which must maintain security as required under 765
1139	1139	ss. 324.031 and 627.7415. 766
1140	1140	5. A nonpublic sector bus, which must maintain security as 767
1141	1141	required under ss. 324.031 and 627.742. 768
1142	1142	6.4. A vehicle providing for-hire passenger transportation 769
1143	1143	vehicle, which must that is subject to the provisions of s. 770
1144	1144	324.031. A taxicab shall maintain security as required under s. 771
1145	1145	324.032 s. 324.032(1). 772
1146	1146	7.5. A personal delivery device as defined in s. 316.003. 773
1147	1147	(b) "Owner" means the person who holds legal title to a 774
1148	1148	motor vehicle or the debtor or lessee who has the right to 775
1149	1149
1150	1150	HB 1525 2022
1151	1151
1152	1152
1153	1153
1154	1154	CODING: Words stricken are deletions; words underlined are additions.
1155	1155	hb1525-00
1156	1156	Page 32 of 131
1157	1157	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
1158	1158
1159	1159
1160	1160
1161	1161	possession of a motor vehicle that is the subject of a security 776
1162	1162	agreement or lease with an option to purchase. 777
1163	1163	(3) Each nonresident owner or registrant of a motor 778
1164	1164	vehicle that, whether operated or not, has been physically 779
1165	1165	present within this state for more than 90 days during the 780
1166	1166	preceding 365 days shall maintain secur ity as required by 781
1167	1167	subsection (1). The security must be that is in effect 782
1168	1168	continuously throughout the period the motor vehicle remains 783
1169	1169	within this state. 784
1170	1170	(4) An The owner or registrant of a motor vehicle who is 785
1171	1171	exempt from the requirements of this sectio n if she or he is a 786
1172	1172	member of the United States Armed Forces and is called to or on 787
1173	1173	active duty outside the United States in an emergency situation 788
1174	1174	is exempt from this section while he or she . The exemption 789
1175	1175	provided by this subsection applies only as long as the member 790
1176	1176	of the Armed Forces is on such active duty . This exemption 791
1177	1177	outside the United States and applies only while the vehicle 792
1178	1178	covered by the security is not operated by any person. Upon 793
1179	1179	receipt of a written request by the insured to whom the 794
1180	1180	exemption provided in this subsection applies, the insurer shall 795
1181	1181	cancel the coverages and return any unearned premium or suspend 796
1182	1182	the security required by this sect ion. Notwithstanding s. 797
1183	1183	324.0221(2) s. 324.0221(3), the department may not suspend the 798
1184	1184	registration or operator's license of an any owner or registrant 799
1185	1185	of a motor vehicle during the time she or he qualifies for the 800
1186	1186
1187	1187	HB 1525 2022
1188	1188
1189	1189
1190	1190
1191	1191	CODING: Words stricken are deletions; words underlined are additions.
1192	1192	hb1525-00
1193	1193	Page 33 of 131
1194	1194	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
1195	1195
1196	1196
1197	1197
1198	1198	an exemption under this subsection. An Any owner or registrant 801
1199	1199	of a motor vehicle who qualifies for the an exemption under this 802
1200	1200	subsection shall immediately notify the department before prior 803
1201	1201	to and at the end of the expiration of the exemption. 804
1202	1202	Section 15. Subsections (1) and (2) of section 324.0221, 805
1203	1203	Florida Statutes, are amended to read: 806
1204	1204	324.0221 Reports by insurers to the department; suspension 807
1205	1205	of driver license and vehicle registrations; reinstatement. — 808
1206	1206	(1)(a) Each insurer that has issued a policy providing 809
1207	1207	personal injury protection c overage or property damage liability 810
1208	1208	coverage shall report the cancellation or nonrenewal thereof to 811
1209	1209	the department within 10 days after the processing date or 812
1210	1210	effective date of each cancellation or nonrenewal. Upon the 813
1211	1211	issuance of a policy providing personal injury protection 814
1212	1212	coverage or property damage liability coverage to a named 815
1213	1213	insured not previously insured by the insurer during that 816
1214	1214	calendar year, the insurer shall report the issuance of the new 817
1215	1215	policy to the department within 10 days. The report must shall 818
1216	1216	be in the form and format and contain any information required 819
1217	1217	by the department and must be provided in a format that is 820
1218	1218	compatible with the data processing capabilities of the 821
1219	1219	department. Failure by an insurer to file proper reports with 822
1220	1220	the department as required by this subsection constitutes a 823
1221	1221	violation of the Florida Insurance Code. These records may shall 824
1222	1222	be used by the department only for enforcement and regulatory 825
1223	1223
1224	1224	HB 1525 2022
1225	1225
1226	1226
1227	1227
1228	1228	CODING: Words stricken are deletions; words underlined are additions.
1229	1229	hb1525-00
1230	1230	Page 34 of 131
1231	1231	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
1232	1232
1233	1233
1234	1234
1235	1235	purposes, including the generation by the department of data 826
1236	1236	regarding compliance by owners of motor vehicles with the 827
1237	1237	requirements for financial responsibility coverage. 828
1238	1238	(b) With respect to an insurance policy providing personal 829
1239	1239	injury protection coverage or property damage liability 830
1240	1240	coverage, each insurer shall notify the name d insured, or the 831
1241	1241	first-named insured in the case of a commercial fleet policy, in 832
1242	1242	writing that any cancellation or nonrenewal of the policy will 833
1243	1243	be reported by the insurer to the department. The notice must 834
1244	1244	also inform the named insured that failure to ma intain bodily 835
1245	1245	injury liability personal injury protection coverage and 836
1246	1246	property damage liability coverage on a motor vehicle when 837
1247	1247	required by law may result in the loss of registration and 838
1248	1248	driving privileges in this state and inform the named insured of 839
1249	1249	the amount of the reinstatement fees required by this section. 840
1250	1250	This notice is for informational purposes only, and an insurer 841
1251	1251	is not civilly liable for failing to provide this notice. 842
1252	1252	(2) The department shall suspend, after due notice and an 843
1253	1253	opportunity to be heard, the registration and driver license of 844
1254	1254	any owner or registrant of a motor vehicle for with respect to 845
1255	1255	which security is required under s. 324.022, s. 324.023, s. 846
1256	1256	324.032, s. 627.7415, or s. 627.742 ss. 324.022 and 627.733 847
1257	1257	upon: 848
1258	1258	(a) The department's records showing that the owner or 849
1259	1259	registrant of such motor vehicle does did not have the in full 850
1260	1260
1261	1261	HB 1525 2022
1262	1262
1263	1263
1264	1264
1265	1265	CODING: Words stricken are deletions; words underlined are additions.
1266	1266	hb1525-00
1267	1267	Page 35 of 131
1268	1268	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
1269	1269
1270	1270
1271	1271
1272	1272	force and effect when required security in full force and effect 851
1273	1273	that complies with the requirements of ss. 324.022 and 627.733 ; 852
1274	1274	or 853
1275	1275	(b) Notification by the insurer to the department, in a 854
1276	1276	form approved by the department, of cancellation or termination 855
1277	1277	of the required security. 856
1278	1278	Section 16. Section 324.0222, Florida Statutes, is created 857
1279	1279	to read: 858
1280	1280	324.0222 Application of driver license and registration 859
1281	1281	suspensions for failure to maintain security; reinstatement. —All 860
1282	1282	suspensions of driver licenses or motor vehicle registrations 861
1283	1283	for failure to maintain required security as required by law in 862
1284	1284	effect before July 1, 2023, remain in full force and effect 863
1285	1285	after July 1, 2023. A driver may reinstate a suspended driver 864
1286	1286	license or registration as provided under s. 324.0221. 865
1287	1287	Section 17. Section 324.023, Florida Statutes, is amended 866
1288	1288	to read: 867
1289	1289	324.023 Financial responsibility for bodily injury or 868
1290	1290	death.—In addition to any other financial responsibility 869
1291	1291	required by law, every owner or operator of a motor vehicle that 870
1292	1292	is required to be registered in this state, or that is located 871
1293	1293	within this state, and who, regardless of adjudication of guilt, 872
1294	1294	has been found guilty of or entered a plea of guilty or nolo 873
1295	1295	contendere to a charge of driving under the influence under s. 874
1296	1296	316.193 after October 1, 2007, shall, by one of the methods 875
1297	1297
1298	1298	HB 1525 2022
1299	1299
1300	1300
1301	1301
1302	1302	CODING: Words stricken are deletions; words underlined are additions.
1303	1303	hb1525-00
1304	1304	Page 36 of 131
1305	1305	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
1306	1306
1307	1307
1308	1308
1309	1309	established in s. 324.031(1)(a) or (b) s. 324.031(1) or (2) , 876
1310	1310	establish and maintain the abilit y to respond in damages for 877
1311	1311	liability on account of accidents arising out of the use of a 878
1312	1312	motor vehicle in the amount of $100,000 because of bodily injury 879
1313	1313	to, or death of, one person in any one crash and, subject to 880
1314	1314	such limits for one person, in the amoun t of $300,000 because of 881
1315	1315	bodily injury to, or death of, two or more persons in any one 882
1316	1316	crash and in the amount of $50,000 because of property damage in 883
1317	1317	any one crash. If the owner or operator chooses to establish and 884
1318	1318	maintain such ability by furnishing a c ertificate of deposit 885
1319	1319	pursuant to s. 324.031(1)(b) s. 324.031(2), such certificate of 886
1320	1320	deposit must be at least $350,000. Such higher limits must be 887
1321	1321	carried for a minimum period of 3 years. If the owner or 888
1322	1322	operator has not been convicted of driving under th e influence 889
1323	1323	or a felony traffic offense for a period of 3 years from the 890
1324	1324	date of reinstatement of driving privileges for a violation of 891
1325	1325	s. 316.193, the owner or operator is shall be exempt from this 892
1326	1326	section. 893
1327	1327	Section 18. Section 324.031, Florida Statute s, is amended 894
1328	1328	to read: 895
1329	1329	324.031 Manner of proving financial responsibility. — 896
1330	1330	(1) The owner or operator of a taxicab, limousine, jitney, 897
1331	1331	or any other for-hire passenger transportation vehicle may prove 898
1332	1332	financial responsibility by providing satisfactory e vidence of 899
1333	1333	holding a motor vehicle liability policy as defined in s. 900
1334	1334
1335	1335	HB 1525 2022
1336	1336
1337	1337
1338	1338
1339	1339	CODING: Words stricken are deletions; words underlined are additions.
1340	1340	hb1525-00
1341	1341	Page 37 of 131
1342	1342	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
1343	1343
1344	1344
1345	1345
1346	1346	324.021(8) or s. 324.151, which policy is issued by an insurance 901
1347	1347	carrier which is a member of the Florida Insurance Guaranty 902
1348	1348	Association. The operator or owner of a motor vehicle other than 903
1349	1349	a for-hire passenger transportation vehicle any other vehicle 904
1350	1350	may prove his or her financial responsibility by: 905
1351	1351	(a)(1) Furnishing satisfactory evidence of holding a motor 906
1352	1352	vehicle liability policy as defined in ss. 324.021(8) and 907
1353	1353	324.151 which provides liability coverage for the motor vehicle 908
1354	1354	being operated; 909
1355	1355	(b)(2) Furnishing a certificate of self -insurance showing 910
1356	1356	a deposit of cash in accordance with s. 324.161; or 911
1357	1357	(c)(3) Furnishing a certificate of self -insurance issued 912
1358	1358	by the department in acco rdance with s. 324.171. 913
1359	1359	(2) Beginning July 1, 2023, any person, including any 914
1360	1360	firm, partnership, association, corporation, or other person, 915
1361	1361	other than a natural person, electing to use the method of proof 916
1362	1362	specified in paragraph (1)(b) subsection (2) shall do both of 917
1363	1363	the following: 918
1364	1364	(a) Furnish a certificate of deposit equal to the number 919
1365	1365	of vehicles owned times $60,000 $30,000, up to a maximum of 920
1366	1366	$240,000. $120,000; 921
1367	1367	(b) In addition, any such person, other than a natural 922
1368	1368	person, shall Maintain insurance providing coverage that meets 923
1369	1369	the requirements of s. 324.151 and has in excess of limits of: 924
1370	1370	1. At least $125,000 for bodily injury to, or the death 925
1371	1371
1372	1372	HB 1525 2022
1373	1373
1374	1374
1375	1375
1376	1376	CODING: Words stricken are deletions; words underlined are additions.
1377	1377	hb1525-00
1378	1378	Page 38 of 131
1379	1379	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
1380	1380
1381	1381
1382	1382
1383	1383	of, one person in any one crash and, subject to such limits for 926
1384	1384	one person, in the amount of $250,000 fo r bodily injury to, or 927
1385	1385	the death of, two or more persons in any one crash; and $50,000 928
1386	1386	for damage to, or destruction of, property of others in any one 929
1387	1387	crash; or 930
1388	1388	2. At least $300,000 for combined bodily injury liability 931
1389	1389	and property damage liability for a ny one crash 932
1390	1390	$10,000/20,000/10,000 or $30,000 combined single limits, and 933
1391	1391	such excess insurance shall provide minimum limits of 934
1392	1392	$125,000/250,000/50,000 or $300,000 combined single limits. 935
1393	1393	These increased limits shall not affect the requirements for 936
1394	1394	proving financial responsibility under s. 324.032(1) . 937
1395	1395	Section 19. Section 324.032, Florida Statutes, is amended 938
1396	1396	to read: 939
1397	1397	324.032 Manner of proving Financial responsibility for; 940
1398	1398	for-hire passenger transportation vehicles. —Notwithstanding the 941
1399	1399	provisions of s. 324.031: 942
1400	1400	(1) An owner or a lessee of a for -hire passenger 943
1401	1401	transportation vehicle that is required to be registered in the 944
1402	1402	state shall establish and continuously maintain the ability to 945
1403	1403	respond in damages for liability on account of accidents arising 946
1404	1404	out of the ownership, maintenance, or use of the for -hire 947
1405	1405	passenger transportation vehicle, in the amount of: 948
1406	1406	(a) One hundred twenty-five thousand dollars for bodily 949
1407	1407	injury to, or the death of, one person in any one crash and, 950
1408	1408
1409	1409	HB 1525 2022
1410	1410
1411	1411
1412	1412
1413	1413	CODING: Words stricken are deletions; words underlined are additions.
1414	1414	hb1525-00
1415	1415	Page 39 of 131
1416	1416	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
1417	1417
1418	1418
1419	1419
1420	1420	subject to such limits for one person, in the amount of $250,000 951
1421	1421	for bodily injury to, or the death of, two or more persons in 952
1422	1422	any one crash; and A person who is either the owner or a lessee 953
1423	1423	required to maintain insurance under s. 627.733(1)(b) and who 954
1424	1424	operates one or more taxicabs, li mousines, jitneys, or any other 955
1425	1425	for-hire passenger transportation vehicles may prove financial 956
1426	1426	responsibility by furnishing satisfactory evidence of holding a 957
1427	1427	motor vehicle liability policy, but with minimum limits of 958
1428	1428	$125,000/250,000/50,000. 959
1429	1429	(b) Fifty thousand dollars for damage to, or destruction 960
1430	1430	of, property of others in any one crash A person who is either 961
1431	1431	the owner or a lessee required to maintain insurance under s. 962
1432	1432	324.021(9)(b) and who operates limousines, jitneys, or any other 963
1433	1433	for-hire passenger vehicles, other than taxicabs, may prove 964
1434	1434	financial responsibility by furnishing satisfactory evidence of 965
1435	1435	holding a motor vehicle liability policy as defined in s. 966
1436	1436	324.031. 967
1437	1437	(2) Except as provided in subsection (3), the requirements 968
1438	1438	of this section must be met by the owner or lessee providing 969
1439	1439	satisfactory evidence of holding a motor vehicle liability 970
1440	1440	policy conforming to the requirements of s. 324.151 which is 971
1441	1441	issued by an insurance carrier that is a member of the Florida 972
1442	1442	Insurance Guaranty Association. 973
1443	1443	(3)(2) An owner or a lessee who is required to maintain 974
1444	1444	insurance under s. 324.021(9)(b) and who operates at least 300 975
1445	1445
1446	1446	HB 1525 2022
1447	1447
1448	1448
1449	1449
1450	1450	CODING: Words stricken are deletions; words underlined are additions.
1451	1451	hb1525-00
1452	1452	Page 40 of 131
1453	1453	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
1454	1454
1455	1455
1456	1456
1457	1457	taxicabs, limousines, jitneys, or any other for-hire passenger 976
1458	1458	transportation vehicles may provide financial responsibility by 977
1459	1459	complying with the provisions of s. 324.171, which must such 978
1460	1460	compliance to be demonstrated by maintaining at its principal 979
1461	1461	place of business an audited financial statement, prepared in 980
1462	1462	accordance with generally accepted accounting principles, and 981
1463	1463	providing to the depa rtment a certification issued by a 982
1464	1464	certified public accountant that the applicant's net worth is at 983
1465	1465	least equal to the requirements of s. 324.171 as determined by 984
1466	1466	the Office of Insurance Regulation of the Financial Services 985
1467	1467	Commission, including claims lia bilities in an amount certified 986
1468	1468	as adequate by a Fellow of the Casualty Actuarial Society. 987
1469	1469	988
1470	1470	Upon request by the department, the applicant shall must provide 989
1471	1471	the department at the applicant's principal place of business in 990
1472	1472	this state access to the applicant's underlying financial 991
1473	1473	information and financial statements that provide the basis of 992
1474	1474	the certified public accountant's certification. The applican t 993
1475	1475	shall reimburse the requesting department for all reasonable 994
1476	1476	costs incurred by it in reviewing the supporting information. 995
1477	1477	The maximum amount of self -insurance permissible under this 996
1478	1478	subsection is $300,000 and must be stated on a per -occurrence 997
1479	1479	basis, and the applicant shall maintain adequate excess 998
1480	1480	insurance issued by an authorized or eligible insurer licensed 999
1481	1481	or approved by the Office of Insurance Regulation. All risks 1000
1482	1482
1483	1483	HB 1525 2022
1484	1484
1485	1485
1486	1486
1487	1487	CODING: Words stricken are deletions; words underlined are additions.
1488	1488	hb1525-00
1489	1489	Page 41 of 131
1490	1490	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
1491	1491
1492	1492
1493	1493
1494	1494	self-insured shall remain with the owner or lessee providing it, 1001
1495	1495	and the risks are no t transferable to any other person, unless a 1002
1496	1496	policy complying with subsections (1) and (2) subsection (1) is 1003
1497	1497	obtained. 1004
1498	1498	Section 20. Subsection (2) of section 324.051, Florida 1005
1499	1499	Statutes, is amended, and subsection (4) is added to that 1006
1500	1500	section, to read: 1007
1501	1501	324.051 Reports of crashes; suspensions of licenses and 1008
1502	1502	registrations.— 1009
1503	1503	(2)(a) Thirty days after receipt of notice of any accident 1010
1504	1504	described in paragraph (1)(a) involving a motor vehicle within 1011
1505	1505	this state, the department shall suspend, after due notice a nd 1012
1506	1506	opportunity to be heard, the license of each operator and all 1013
1507	1507	registrations of the owner of the vehicles operated by such 1014
1508	1508	operator whether or not involved in such crash and, in the case 1015
1509	1509	of a nonresident owner or operator, shall suspend such 1016
1510	1510	nonresident's operating privilege in this state, unless such 1017
1511	1511	operator or owner shall, prior to the expiration of such 30 1018
1512	1512	days, be found by the department to be exempt from the operation 1019
1513	1513	of this chapter, based upon evidence satisfactory to the 1020
1514	1514	department that: 1021
1515	1515	1. The motor vehicle was legally parked at the time of 1022
1516	1516	such crash. 1023
1517	1517	2. The motor vehicle was owned by the United States 1024
1518	1518	Government, this state, or any political subdivision of this 1025
1519	1519
1520	1520	HB 1525 2022
1521	1521
1522	1522
1523	1523
1524	1524	CODING: Words stricken are deletions; words underlined are additions.
1525	1525	hb1525-00
1526	1526	Page 42 of 131
1527	1527	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
1528	1528
1529	1529
1530	1530
1531	1531	state or any municipality therein. 1026
1532	1532	3. Such operator or owner has secured a dul y acknowledged 1027
1533	1533	written agreement providing for release from liability by all 1028
1534	1534	parties injured as the result of said crash and has complied 1029
1535	1535	with one of the provisions of s. 324.031. 1030
1536	1536	4. Such operator or owner has deposited with the 1031
1537	1537	department security to co nform with s. 324.061 when applicable 1032
1538	1538	and has complied with one of the provisions of s. 324.031. 1033
1539	1539	5. One year has elapsed since such owner or operator was 1034
1540	1540	suspended pursuant to subsection (3), the owner or operator has 1035
1541	1541	complied with one of the provisions of s. 324.031, and no bill 1036
1542	1542	of complaint of which the department has notice has been filed 1037
1543	1543	in a court of competent jurisdiction. 1038
1544	1544	(b) This subsection does shall not apply: 1039
1545	1545	1. To such operator or owner if such operator or owner had 1040
1546	1546	in effect at the time o f such crash or traffic conviction a 1041
1547	1547	motor vehicle an automobile liability policy with respect to all 1042
1548	1548	of the registered motor vehicles owned by such operator or 1043
1549	1549	owner. 1044
1550	1550	2. To such operator, if not the owner of such motor 1045
1551	1551	vehicle, if there was in effect at the time of such crash or 1046
1552	1552	traffic conviction a motor vehicle an automobile liability 1047
1553	1553	policy or bond with respect to his or her operation of motor 1048
1554	1554	vehicles not owned by him or her. 1049
1555	1555	3. To such operator or owner if the liability of such 1050
1556	1556
1557	1557	HB 1525 2022
1558	1558
1559	1559
1560	1560
1561	1561	CODING: Words stricken are deletions; words underlined are additions.
1562	1562	hb1525-00
1563	1563	Page 43 of 131
1564	1564	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
1565	1565
1566	1566
1567	1567
1568	1568	operator or owner for damages resulting from such crash is, in 1051
1569	1569	the judgment of the department, covered by any other form of 1052
1570	1570	liability insurance or bond. 1053
1571	1571	4. To any person who has obtained from the department a 1054
1572	1572	certificate of self-insurance, in accordance with s. 324.171, or 1055
1573	1573	to any person operating a motor vehicle for such self -insurer. 1056
1574	1574	1057
1575	1575	No such policy or bond shall be effective under this subsection 1058
1576	1576	unless it contains limits of not less than those specified in s. 1059
1577	1577	324.021(7). 1060
1578	1578	(4) As used in this section, the term "motor veh icle" 1061
1579	1579	includes a motorcycle as defined in s. 320.01(26). 1062
1580	1580	Section 21. Section 324.071, Florida Statutes, is amended 1063
1581	1581	to read: 1064
1582	1582	324.071 Reinstatement; renewal of license; reinstatement 1065
1583	1583	fee.—An Any operator or owner whose license or registration has 1066
1584	1584	been suspended pursuant to s. 324.051(2), s. 324.072, s. 1067
1585	1585	324.081, or s. 324.121 may effect its reinstatement upon 1068
1586	1586	compliance with the provisions of s. 324.051(2)(a)3. or 4., or 1069
1587	1587	s. 324.081(2) and (3), as the case may be, and with one of the 1070
1588	1588	provisions of s. 324. 031 and upon payment to the department of a 1071
1589	1589	nonrefundable reinstatement fee of $15. Only one such fee may 1072
1590	1590	shall be paid by any one person regardless irrespective of the 1073
1591	1591	number of licenses and registrations to be then reinstated or 1074
1592	1592	issued to such person. All Such fees must shall be deposited to 1075
1593	1593
1594	1594	HB 1525 2022
1595	1595
1596	1596
1597	1597
1598	1598	CODING: Words stricken are deletions; words underlined are additions.
1599	1599	hb1525-00
1600	1600	Page 44 of 131
1601	1601	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
1602	1602
1603	1603
1604	1604
1605	1605	a department trust fund. If When the reinstatement of any 1076
1606	1606	license or registration is effected by compliance with s. 1077
1607	1607	324.051(2)(a)3. or 4., the department may shall not renew the 1078
1608	1608	license or registration within a period of 3 years after from 1079
1609	1609	such reinstatement, nor may shall any other license or 1080
1610	1610	registration be issued in the name of such person, unless the 1081
1611	1611	operator continues is continuing to comply with one of the 1082
1612	1612	provisions of s. 324.031. 1083
1613	1613	Section 22. Subsection (1) of section 324.091, Florida 1084
1614	1614	Statutes, is amended to read: 1085
1615	1615	324.091 Notice to department; notice to insurer. — 1086
1616	1616	(1) Each owner and operator involved in a crash or 1087
1617	1617	conviction case within the purview of this chapter shall furnish 1088
1618	1618	evidence of automobile liability insurance or motor vehicle 1089
1619	1619	liability insurance within 14 days after the date of the mailing 1090
1620	1620	of notice of crash by the department in the form and manner as 1091
1621	1621	it may designate. Upon receipt of evidence that a an automobile 1092
1622	1622	liability policy or motor vehicle liability policy was in effect 1093
1623	1623	at the time of the crash or conviction case, the department 1094
1624	1624	shall forward to the insurer such information for verification 1095
1625	1625	in a method as determined by the department. The insurer shall 1096
1626	1626	respond to the department within 20 days after the notice as to 1097
1627	1627	whether or not such information is valid. If the department 1098
1628	1628	determines that a an automobile liability policy or motor 1099
1629	1629	vehicle liability policy was not in effect and did not provide 1100
1630	1630
1631	1631	HB 1525 2022
1632	1632
1633	1633
1634	1634
1635	1635	CODING: Words stricken are deletions; words underlined are additions.
1636	1636	hb1525-00
1637	1637	Page 45 of 131
1638	1638	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
1639	1639
1640	1640
1641	1641
1642	1642	coverage for both the owner and the operato r, it must shall take 1101
1643	1643	action as it is authorized to do under this chapter. 1102
1644	1644	Section 23. Section 324.151, Florida Statutes, is amended 1103
1645	1645	to read: 1104
1646	1646	324.151 Motor vehicle liability policies; required 1105
1647	1647	provisions.— 1106
1648	1648	(1) A motor vehicle liability policy that serves as to be 1107
1649	1649	proof of financial responsibility under s. 324.031(1)(a) must s. 1108
1650	1650	324.031(1) shall be issued to owners or operators of motor 1109
1651	1651	vehicles under the following provisions: 1110
1652	1652	(a) A motor vehicle An owner's liability insurance policy 1111
1653	1653	issued to an owner of a motor vehicle required to be registered 1112
1654	1654	in the state must designate by explicit description or by 1113
1655	1655	appropriate reference all motor vehicles for with respect to 1114
1656	1656	which coverage is thereby granted . The policy, must insure the 1115
1657	1657	person or persons owner named therein, and, unless except for a 1116
1658	1658	named driver excluded under s. 627.747, must insure any resident 1117
1659	1659	relative of a named insured other person as operator using such 1118
1660	1660	motor vehicle or motor vehicles with the express or implied 1119
1661	1661	permission of such owner aga inst loss from the liability imposed 1120
1662	1662	by law for damage arising out of the ownership, maintenance, or 1121
1663	1663	use of any such motor vehicle or motor vehicles within the 1122
1664	1664	United States or the Dominion of Canada, subject to limits, 1123
1665	1665	exclusive of interest and costs with respect to each such motor 1124
1666	1666	vehicle as is provided for under s. 324.021(7) . The policy must 1125
1667	1667
1668	1668	HB 1525 2022
1669	1669
1670	1670
1671	1671
1672	1672	CODING: Words stricken are deletions; words underlined are additions.
1673	1673	hb1525-00
1674	1674	Page 46 of 131
1675	1675	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
1676	1676
1677	1677
1678	1678
1679	1679	also insure any person operating an insured motor vehicle with 1126
1680	1680	the express or implied permission of a named insured against 1127
1681	1681	loss from the liability imposed by law f or damage arising out of 1128
1682	1682	the use of any vehicle, unless that person was excluded under s. 1129
1683	1683	627.747. However, the insurer may include provisions in its 1130
1684	1684	policy excluding liability coverage for a motor vehicle not 1131
1685	1685	designated as an insured vehicle on the policy if such motor 1132
1686	1686	vehicle does not qualify as a newly acquired vehicle or as a 1133
1687	1687	temporary substitute vehicle and was owned by the insured or was 1134
1688	1688	furnished for an insured's regular use for more than 30 1135
1689	1689	consecutive days before the event giving rise to the claim. 1136
1690	1690	Insurers may make available, with respect to property damage 1137
1691	1691	liability coverage, a deductible amount not to exceed $500. In 1138
1692	1692	the event of a property damage loss covered by a policy 1139
1693	1693	containing a property damage deductible provision, the insurer 1140
1694	1694	shall pay to the third-party claimant the amount of any property 1141
1695	1695	damage liability settlement or judgment, subject to policy 1142
1696	1696	limits, as if no deductible existed. 1143
1697	1697	(b) A motor vehicle liability insurance policy issued to a 1144
1698	1698	person who does not own a An operator's motor vehicle must 1145
1699	1699	liability policy of insurance shall insure the person or persons 1146
1700	1700	named therein against loss from the liability imposed upon him 1147
1701	1701	or her by law for damages arising out of the use by the person 1148
1702	1702	of any motor vehicle not owned by him or her , with the same 1149
1703	1703	territorial limits and subject to the same limits of liability 1150
1704	1704
1705	1705	HB 1525 2022
1706	1706
1707	1707
1708	1708
1709	1709	CODING: Words stricken are deletions; words underlined are additions.
1710	1710	hb1525-00
1711	1711	Page 47 of 131
1712	1712	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
1713	1713
1714	1714
1715	1715
1716	1716	as referred to above with respect to an owner's policy of 1151
1717	1717	liability insurance. 1152
1718	1718	(c) All such motor vehicle liability policies must provide 1153
1719	1719	liability coverage with limits, exclusive of interest and costs, 1154
1720	1720	as specified under s. 324.021(7) for accidents occurring within 1155
1721	1721	the United States and Canada. The policies must shall state the 1156
1722	1722	name and address of the named insured, the coverage afforded by 1157
1723	1723	the policy, the premium charged therefor, th e policy period, and 1158
1724	1724	the limits of liability, and must shall contain an agreement or 1159
1725	1725	be endorsed that insurance is provided in accordance with the 1160
1726	1726	coverage defined in this chapter as respects bodily injury and 1161
1727	1727	death or property damage or both and is subject to all 1162
1728	1728	provisions of this chapter. The Said policies must shall also 1163
1729	1729	contain a provision that the satisfaction by an insured of a 1164
1730	1730	judgment for such injury or damage may shall not be a condition 1165
1731	1731	precedent to the right or duty of the insurance carrier to make 1166
1732	1732	payment on account of such injury or damage, and must shall also 1167
1733	1733	contain a provision that bankruptcy or insolvency of the insured 1168
1734	1734	or of the insured's estate does shall not relieve the insurance 1169
1735	1735	carrier of any of its obligations under the said policy. 1170
1736	1736	(2) The provisions of This section is shall not be 1171
1737	1737	applicable to any motor vehicle automobile liability policy 1172
1738	1738	unless and until it is furnished as proof of financial 1173
1739	1739	responsibility for the future pursuant to s. 324.031, and then 1174
1740	1740	applies only from and after the date the said policy is so 1175
1741	1741
1742	1742	HB 1525 2022
1743	1743
1744	1744
1745	1745
1746	1746	CODING: Words stricken are deletions; words underlined are additions.
1747	1747	hb1525-00
1748	1748	Page 48 of 131
1749	1749	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
1750	1750
1751	1751
1752	1752
1753	1753	furnished. 1176
1754	1754	(3) As used in this section, the term: 1177
1755	1755	(a) "Newly acquired vehicle" means a vehicle owned by a 1178
1756	1756	named insured or resident relativ e of the named insured which 1179
1757	1757	was acquired no more than 30 days before an accident. 1180
1758	1758	(b) "Resident relative" means a person related to a named 1181
1759	1759	insured by any degree by blood, marriage, or adoption, including 1182
1760	1760	a ward or foster child, who makes his or her hom e in the same 1183
1761	1761	family unit or residence as the named insured, regardless of 1184
1762	1762	whether he or she temporarily lives elsewhere. 1185
1763	1763	(c) "Temporary substitute vehicle" means any motor vehicle 1186
1764	1764	that is not owned by the named insured and that is temporarily 1187
1765	1765	used with the permission of the owner as a substitute for the 1188
1766	1766	owned motor vehicle designated on the policy when the owned 1189
1767	1767	vehicle is withdrawn from normal use because of breakdown, 1190
1768	1768	repair, servicing, loss, or destruction. 1191
1769	1769	Section 24. Section 324.161, Florida Sta tutes, is amended 1192
1770	1770	to read: 1193
1771	1771	324.161 Proof of financial responsibility; deposit. —If a 1194
1772	1772	person elects to prove his or her financial responsibility under 1195
1773	1773	the method of proof specified in s. 324.031(1)(b), he or she 1196
1774	1774	annually must obtain and submit to the depar tment proof of a 1197
1775	1775	certificate of deposit in the amount required under s. 1198
1776	1776	324.031(2) from a financial institution insured by the Federal 1199
1777	1777	Deposit Insurance Corporation or the National Credit Union 1200
1778	1778
1779	1779	HB 1525 2022
1780	1780
1781	1781
1782	1782
1783	1783	CODING: Words stricken are deletions; words underlined are additions.
1784	1784	hb1525-00
1785	1785	Page 49 of 131
1786	1786	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
1787	1787
1788	1788
1789	1789
1790	1790	Administration Annually, before any certificate of insurance m ay 1201
1791	1791	be issued to a person, including any firm, partnership, 1202
1792	1792	association, corporation, or other person, other than a natural 1203
1793	1793	person, proof of a certificate of deposit of $30,000 issued and 1204
1794	1794	held by a financial institution must be submitted to the 1205
1795	1795	department. A power of attorney will be issued to and held by 1206
1796	1796	the department and may be executed upon a judgment issued 1207
1797	1797	against such person making the deposit, for damages for because 1208
1798	1798	of bodily injury to or death of any person or for damages for 1209
1799	1799	because of injury to or destruction of property resulting from 1210
1800	1800	the use or operation of any motor vehicle occurring after such 1211
1801	1801	deposit was made. Money so deposited is shall not be subject to 1212
1802	1802	attachment or execution unless such attachment or execution 1213
1803	1803	arises shall arise out of a lawsuit suit for such damages as 1214
1804	1804	aforesaid. 1215
1805	1805	Section 25. Subsections (1) and (2) of section 324.171, 1216
1806	1806	Florida Statutes, are amended to read: 1217
1807	1807	324.171 Self-insurer.— 1218
1808	1808	(1) A Any person may qualify as a self -insurer by 1219
1809	1809	obtaining a certificate of self -insurance from the department . 1220
1810	1810	which may, in its discretion and Upon application of such a 1221
1811	1811	person, the department may issue a said certificate of self-1222
1812	1812	insurance to an applicant who satisfies when such person has 1223
1813	1813	satisfied the requirements of this section . Effective July 1, 1224
1814	1814	2023 to qualify as a self -insurer under this section : 1225
1815	1815
1816	1816	HB 1525 2022
1817	1817
1818	1818
1819	1819
1820	1820	CODING: Words stricken are deletions; words underlined are additions.
1821	1821	hb1525-00
1822	1822	Page 50 of 131
1823	1823	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
1824	1824
1825	1825
1826	1826
1827	1827	(a) A private individual with private passenger vehicles 1226
1828	1828	shall possess a net unencumbered worth of at least $100,000 1227
1829	1829	$40,000. 1228
1830	1830	(b) A person, including any firm, partnership, 1229
1831	1831	association, corporation, or other person, other than a natural 1230
1832	1832	person, shall: 1231
1833	1833	1. Possess a net unencumbered worth of at least $100,000 1232
1834	1834	$40,000 for the first motor vehicle and $50,000 $20,000 for each 1233
1835	1835	additional motor vehicle; or 1234
1836	1836	2. Maintain sufficient net wo rth, in an amount determined 1235
1837	1837	by the department, to be financially responsible for potential 1236
1838	1838	losses. The department annually shall determine the minimum net 1237
1839	1839	worth sufficient to satisfy this subparagraph as determined 1238
1840	1840	annually by the department, pursuant to rules adopted 1239
1841	1841	promulgated by the department, with the assistance of the Office 1240
1842	1842	of Insurance Regulation of the Financial Services Commission , to 1241
1843	1843	be financially responsible for potential losses . The rules must 1242
1844	1844	consider any shall take into consideration excess insurance 1243
1845	1845	carried by the applicant. The department's determination must 1244
1846	1846	shall be based upon reasonable actuarial principles considering 1245
1847	1847	the frequency, severity, and loss development of claims incurred 1246
1848	1848	by casualty insurers writing coverage on the type of motor 1247
1849	1849	vehicles for which a certificate of self -insurance is desired. 1248
1850	1850	(c) The owner of a commercial motor vehicle, as defined in 1249
1851	1851	s. 207.002 or s. 320.01, may qualify as a self -insurer subject 1250
1852	1852
1853	1853	HB 1525 2022
1854	1854
1855	1855
1856	1856
1857	1857	CODING: Words stricken are deletions; words underlined are additions.
1858	1858	hb1525-00
1859	1859	Page 51 of 131
1860	1860	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
1861	1861
1862	1862
1863	1863
1864	1864	to the standards provided for in subparagraph (b)2. 1251
1865	1865	(2) The self-insurance certificate must shall provide 1252
1866	1866	limits of liability insurance in the amounts specified under s. 1253
1867	1867	324.021(7) or s. 627.7415 and shall provide personal injury 1254
1868	1868	protection coverage under s. 627.733(3)(b) . 1255
1869	1869	Section 26. Section 324.251, Florida St atutes, is amended 1256
1870	1870	to read: 1257
1871	1871	324.251 Short title. —This chapter may be cited as the 1258
1872	1872	"Financial Responsibility Law of 2022 1955" and is shall become 1259
1873	1873	effective at 12:01 a.m., July 1, 2023 October 1, 1955. 1260
1874	1874	Section 27. Subsection (4) of section 400.9905, F lorida 1261
1875	1875	Statutes, is amended to read: 1262
1876	1876	400.9905 Definitions. — 1263
1877	1877	(4)(a) "Clinic" means an entity where health care services 1264
1878	1878	are provided to individuals and which tenders charges for 1265
1879	1879	reimbursement for such services, including a mobile clinic and a 1266
1880	1880	portable equipment provider. As used in this part, the term does 1267
1881	1881	not include and the licensure requirements of this part do not 1268
1882	1882	apply to: 1269
1883	1883	1.(a) Entities licensed or registered by the state under 1270
1884	1884	chapter 395; entities licensed or registered by the state and 1271
1885	1885	providing only health care services within the scope of services 1272
1886	1886	authorized under their respective licenses under ss. 383.30 -1273
1887	1887	383.332, chapter 390, chapter 394, chapter 397, this chapter 1274
1888	1888	except part X, chapter 429, chapter 463, chapter 465, chapter 1275
1889	1889
1890	1890	HB 1525 2022
1891	1891
1892	1892
1893	1893
1894	1894	CODING: Words stricken are deletions; words underlined are additions.
1895	1895	hb1525-00
1896	1896	Page 52 of 131
1897	1897	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
1898	1898
1899	1899
1900	1900
1901	1901	466, chapter 478, chapter 484, or chapter 651; end -stage renal 1276
1902	1902	disease providers authorized under 42 C.F.R. part 494; providers 1277
1903	1903	certified and providing only health care services within the 1278
1904	1904	scope of services authorized under their respective 1279
1905	1905	certifications under 42 C.F.R. part 485, subpart B, subpart H, 1280
1906	1906	or subpart J; providers certified and providing only health care 1281
1907	1907	services within the scope of services authorized under their 1282
1908	1908	respective certifications under 42 C.F.R. part 486, subpart C; 1283
1909	1909	providers certified and providing only health care services 1284
1910	1910	within the scope of services authorized under their respective 1285
1911	1911	certifications under 42 C.F.R. part 491, subpart A; providers 1286
1912	1912	certified by the Centers for Medicare and Medicaid Services 1287
1913	1913	under the federal Clinical Laboratory Improve ment Amendments and 1288
1914	1914	the federal rules adopted thereunder; or any entity that 1289
1915	1915	provides neonatal or pediatric hospital -based health care 1290
1916	1916	services or other health care services by licensed practitioners 1291
1917	1917	solely within a hospital licensed under chapter 395. 1292
1918	1918	2.(b) Entities that own, directly or indirectly, entities 1293
1919	1919	licensed or registered by the state pursuant to chapter 395; 1294
1920	1920	entities that own, directly or indirectly, entities licensed or 1295
1921	1921	registered by the state and providing only health care services 1296
1922	1922	within the scope of services authorized pursuant to their 1297
1923	1923	respective licenses under ss. 383.30 -383.332, chapter 390, 1298
1924	1924	chapter 394, chapter 397, this chapter except part X, chapter 1299
1925	1925	429, chapter 463, chapter 465, chapter 466, chapter 478, chapter 1300
1926	1926
1927	1927	HB 1525 2022
1928	1928
1929	1929
1930	1930
1931	1931	CODING: Words stricken are deletions; words underlined are additions.
1932	1932	hb1525-00
1933	1933	Page 53 of 131
1934	1934	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
1935	1935
1936	1936
1937	1937
1938	1938	484, or chapter 651; e nd-stage renal disease providers 1301
1939	1939	authorized under 42 C.F.R. part 494; providers certified and 1302
1940	1940	providing only health care services within the scope of services 1303
1941	1941	authorized under their respective certifications under 42 C.F.R. 1304
1942	1942	part 485, subpart B, subpart H, or subpart J; providers 1305
1943	1943	certified and providing only health care services within the 1306
1944	1944	scope of services authorized under their respective 1307
1945	1945	certifications under 42 C.F.R. part 486, subpart C; providers 1308
1946	1946	certified and providing only health care services within the 1309
1947	1947	scope of services authorized under their respective 1310
1948	1948	certifications under 42 C.F.R. part 491, subpart A; providers 1311
1949	1949	certified by the Centers for Medicare and Medicaid Services 1312
1950	1950	under the federal Clinical Laboratory Improvement Amendments and 1313
1951	1951	the federal rules adopted thereunder; or any entity that 1314
1952	1952	provides neonatal or pediatric hospital -based health care 1315
1953	1953	services by licensed practitioners solely within a hospital 1316
1954	1954	licensed under chapter 395. 1317
1955	1955	3.(c) Entities that are owned, directly or indirectly, by 1318
1956	1956	an entity licensed or registered by the state pursuant to 1319
1957	1957	chapter 395; entities that are owned, directly or indirectly, by 1320
1958	1958	an entity licensed or registered by the state and providing only 1321
1959	1959	health care services within the scope of services authorized 1322
1960	1960	pursuant to their respective licenses under ss. 383.30 -383.332, 1323
1961	1961	chapter 390, chapter 394, chapter 397, this chapter except part 1324
1962	1962	X, chapter 429, chapter 463, chapter 465, chapter 466, chapter 1325
1963	1963
1964	1964	HB 1525 2022
1965	1965
1966	1966
1967	1967
1968	1968	CODING: Words stricken are deletions; words underlined are additions.
1969	1969	hb1525-00
1970	1970	Page 54 of 131
1971	1971	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
1972	1972
1973	1973
1974	1974
1975	1975	478, chapter 484, or chapter 651; end -stage renal disease 1326
1976	1976	providers authorized under 42 C.F.R. part 494; providers 1327
1977	1977	certified and providing only health care services within the 1328
1978	1978	scope of services authorized under their respective 1329
1979	1979	certifications under 42 C.F.R. part 485, subpart B, subpart H, 1330
1980	1980	or subpart J; providers certified and provi ding only health care 1331
1981	1981	services within the scope of services authorized under their 1332
1982	1982	respective certifications under 42 C.F.R. part 486, subpart C; 1333
1983	1983	providers certified and providing only health care services 1334
1984	1984	within the scope of services authorized under thei r respective 1335
1985	1985	certifications under 42 C.F.R. part 491, subpart A; providers 1336
1986	1986	certified by the Centers for Medicare and Medicaid Services 1337
1987	1987	under the federal Clinical Laboratory Improvement Amendments and 1338
1988	1988	the federal rules adopted thereunder; or any entity that 1339
1989	1989	provides neonatal or pediatric hospital -based health care 1340
1990	1990	services by licensed practitioners solely within a hospital 1341
1991	1991	under chapter 395. 1342
1992	1992	4.(d) Entities that are under common ownership, directly 1343
1993	1993	or indirectly, with an entity licensed or registered by the 1344
1994	1994	state pursuant to chapter 395; entities that are under common 1345
1995	1995	ownership, directly or indirectly, with an entity licensed or 1346
1996	1996	registered by the state and providing only health care services 1347
1997	1997	within the scope of services authorized pursuant to their 1348
1998	1998	respective licenses under ss. 383.30 -383.332, chapter 390, 1349
1999	1999	chapter 394, chapter 397, this chapter except part X, chapter 1350
2000	2000
2001	2001	HB 1525 2022
2002	2002
2003	2003
2004	2004
2005	2005	CODING: Words stricken are deletions; words underlined are additions.
2006	2006	hb1525-00
2007	2007	Page 55 of 131
2008	2008	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
2009	2009
2010	2010
2011	2011
2012	2012	429, chapter 463, chapter 465, chapter 466, chapter 478, chapter 1351
2013	2013	484, or chapter 651; end -stage renal disease providers 1352
2014	2014	authorized under 42 C.F. R. part 494; providers certified and 1353
2015	2015	providing only health care services within the scope of services 1354
2016	2016	authorized under their respective certifications under 42 C.F.R. 1355
2017	2017	part 485, subpart B, subpart H, or subpart J; providers 1356
2018	2018	certified and providing only heal th care services within the 1357
2019	2019	scope of services authorized under their respective 1358
2020	2020	certifications under 42 C.F.R. part 486, subpart C; providers 1359
2021	2021	certified and providing only health care services within the 1360
2022	2022	scope of services authorized under their respective 1361
2023	2023	certifications under 42 C.F.R. part 491, subpart A; providers 1362
2024	2024	certified by the Centers for Medicare and Medicaid Services 1363
2025	2025	under the federal Clinical Laboratory Improvement Amendments and 1364
2026	2026	the federal rules adopted thereunder; or any entity that 1365
2027	2027	provides neonatal or pediatric hospital -based health care 1366
2028	2028	services by licensed practitioners solely within a hospital 1367
2029	2029	licensed under chapter 395. 1368
2030	2030	5.(e) An entity that is exempt from federal taxation under 1369
2031	2031	26 U.S.C. s. 501(c)(3) or (4), an employee stock ownership pla n 1370
2032	2032	under 26 U.S.C. s. 409 that has a board of trustees at least 1371
2033	2033	two-thirds of which are Florida -licensed health care 1372
2034	2034	practitioners and provides only physical therapy services under 1373
2035	2035	physician orders, any community college or university clinic, 1374
2036	2036	and any entity owned or operated by the federal or state 1375
2037	2037
2038	2038	HB 1525 2022
2039	2039
2040	2040
2041	2041
2042	2042	CODING: Words stricken are deletions; words underlined are additions.
2043	2043	hb1525-00
2044	2044	Page 56 of 131
2045	2045	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
2046	2046
2047	2047
2048	2048
2049	2049	government, including agencies, subdivisions, or municipalities 1376
2050	2050	thereof. 1377
2051	2051	6.(f) A sole proprietorship, group practice, partnership, 1378
2052	2052	or corporation that provides health care services by physicians 1379
2053	2053	covered by s. 627.419, that is directly supervised by one or 1380
2054	2054	more of such physicians, and that is wholly owned by one or more 1381
2055	2055	of those physicians or by a physician and the spouse, parent, 1382
2056	2056	child, or sibling of that physician. 1383
2057	2057	7.(g) A sole proprietorship, group practice, partnership, 1384
2058	2058	or corporation that provides health care services by licensed 1385
2059	2059	health care practitioners under chapter 457, chapter 458, 1386
2060	2060	chapter 459, chapter 460, chapter 461, chapter 462, chapter 463, 1387
2061	2061	chapter 466, chapter 467, chapter 480, chapter 484, chapte r 486, 1388
2062	2062	chapter 490, chapter 491, or part I, part III, part X, part 1389
2063	2063	XIII, or part XIV of chapter 468, or s. 464.012, and that is 1390
2064	2064	wholly owned by one or more licensed health care practitioners, 1391
2065	2065	or the licensed health care practitioners set forth in this 1392
2066	2066	subparagraph paragraph and the spouse, parent, child, or sibling 1393
2067	2067	of a licensed health care practitioner if one of the owners who 1394
2068	2068	is a licensed health care practitioner is supervising the 1395
2069	2069	business activities and is legally responsible for the entity's 1396
2070	2070	compliance with all federal and state laws. However, a health 1397
2071	2071	care practitioner may not supervise services beyond the scope of 1398
2072	2072	the practitioner's license, except that, for the purposes of 1399
2073	2073	this part, a clinic owned by a licensee in s. 456.053(3)(b) 1400
2074	2074
2075	2075	HB 1525 2022
2076	2076
2077	2077
2078	2078
2079	2079	CODING: Words stricken are deletions; words underlined are additions.
2080	2080	hb1525-00
2081	2081	Page 57 of 131
2082	2082	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
2083	2083
2084	2084
2085	2085
2086	2086	which provides only services authorized pursuant to s. 1401
2087	2087	456.053(3)(b) may be supervised by a licensee specified in s. 1402
2088	2088	456.053(3)(b). 1403
2089	2089	8.(h) Clinical facilities affiliated with an accredited 1404
2090	2090	medical school at which training is provided for medical 1405
2091	2091	students, residents, or fellows. 1406
2092	2092	9.(i) Entities that provide only oncology or radiation 1407
2093	2093	therapy services by physicians licensed under chapter 458 or 1408
2094	2094	chapter 459 or entities that provide oncology or radiation 1409
2095	2095	therapy services by physicians licensed under chapter 458 or 1410
2096	2096	chapter 459 which are owned by a corporation whose shares are 1411
2097	2097	publicly traded on a recognized stock exchange. 1412
2098	2098	10.(j) Clinical facilities affiliated with a college of 1413
2099	2099	chiropractic accredited by the Council on Chiropractic Education 1414
2100	2100	at which training is provided for chiropractic students. 1415
2101	2101	11.(k) Entities that provide licensed practitioners to 1416
2102	2102	staff emergency departments or to deliver anesthesia services in 1417
2103	2103	facilities licensed under chapter 395 and that derive at least 1418
2104	2104	90 percent of their gross annual revenues from the provision of 1419
2105	2105	such services. Entities claiming an exemption from licensure 1420
2106	2106	under this subparagraph paragraph must provide documentation 1421
2107	2107	demonstrating compliance. 1422
2108	2108	12.(l) Orthotic, prosthetic, pediatric cardiology, or 1423
2109	2109	perinatology clinical facilities or anesthesia clinical 1424
2110	2110	facilities that are not otherwise exempt under subparagraph 1. 1425
2111	2111
2112	2112	HB 1525 2022
2113	2113
2114	2114
2115	2115
2116	2116	CODING: Words stricken are deletions; words underlined are additions.
2117	2117	hb1525-00
2118	2118	Page 58 of 131
2119	2119	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
2120	2120
2121	2121
2122	2122
2123	2123	or subparagraph 11. paragraph (a) or paragraph (k) and that are 1426
2124	2124	a publicly traded corporation or are wholly owned, directly or 1427
2125	2125	indirectly, by a publicly traded corporation. As used in this 1428
2126	2126	subparagraph paragraph, a publicly traded corporation is a 1429
2127	2127	corporation that issues securities traded on a n exchange 1430
2128	2128	registered with the United States Securities and Exchange 1431
2129	2129	Commission as a national securities exchange. 1432
2130	2130	13.(m) Entities that are owned by a corporation that has 1433
2131	2131	$250 million or more in total annual sales of health care 1434
2132	2132	services provided by lic ensed health care practitioners where 1435
2133	2133	one or more of the persons responsible for the operations of the 1436
2134	2134	entity is a health care practitioner who is licensed in this 1437
2135	2135	state and who is responsible for supervising the business 1438
2136	2136	activities of the entity and is re sponsible for the entity's 1439
2137	2137	compliance with state law for purposes of this part. 1440
2138	2138	14.(n) Entities that employ 50 or more licensed health 1441
2139	2139	care practitioners licensed under chapter 458 or chapter 459 1442
2140	2140	where the billing for medical services is under a single t ax 1443
2141	2141	identification number. The application for exemption under this 1444
2142	2142	subsection must include shall contain information that includes: 1445
2143	2143	the name, residence, and business address and telephone phone 1446
2144	2144	number of the entity that owns the practice; a complete list o f 1447
2145	2145	the names and contact information of all the officers and 1448
2146	2146	directors of the corporation; the name, residence address, 1449
2147	2147	business address, and medical license number of each licensed 1450
2148	2148
2149	2149	HB 1525 2022
2150	2150
2151	2151
2152	2152
2153	2153	CODING: Words stricken are deletions; words underlined are additions.
2154	2154	hb1525-00
2155	2155	Page 59 of 131
2156	2156	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
2157	2157
2158	2158
2159	2159
2160	2160	Florida health care practitioner employed by the entity; the 1451
2161	2161	corporate tax identification number of the entity seeking an 1452
2162	2162	exemption; a listing of health care services to be provided by 1453
2163	2163	the entity at the health care clinics owned or operated by the 1454
2164	2164	entity; and a certified statement prepared by an independent 1455
2165	2165	certified public accou ntant which states that the entity and the 1456
2166	2166	health care clinics owned or operated by the entity have not 1457
2167	2167	received payment for health care services under medical payments 1458
2168	2168	personal injury protection insurance coverage for the preceding 1459
2169	2169	year. If the agency det ermines that an entity that which is 1460
2170	2170	exempt under this subsection has received payments for medical 1461
2171	2171	services under medical payments personal injury protection 1462
2172	2172	insurance coverage, the agency may deny or revoke the exemption 1463
2173	2173	from licensure under this subsect ion. 1464
2174	2174	15.(o) Entities that are, directly or indirectly, under 1465
2175	2175	the common ownership of or that are subject to common control by 1466
2176	2176	a mutual insurance holding company, as defined in s. 628.703, 1467
2177	2177	with an entity issued a certificate of authority under chapter 1468
2178	2178	624 or chapter 641 which has $1 billion or more in total annual 1469
2179	2179	sales in this state. 1470
2180	2180	16.(p) Entities that are owned by an entity that is a 1471
2181	2181	behavioral health care service provider in at least five other 1472
2182	2182	states; that, together with its affiliates, have $90 mi llion or 1473
2183	2183	more in total annual revenues associated with the provision of 1474
2184	2184	behavioral health care services; and wherein one or more of the 1475
2185	2185
2186	2186	HB 1525 2022
2187	2187
2188	2188
2189	2189
2190	2190	CODING: Words stricken are deletions; words underlined are additions.
2191	2191	hb1525-00
2192	2192	Page 60 of 131
2193	2193	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
2194	2194
2195	2195
2196	2196
2197	2197	persons responsible for the operations of the entity is a health 1476
2198	2198	care practitioner who is licensed in this state, who is 1477
2199	2199	responsible for supervising the business activities of the 1478
2200	2200	entity, and who is responsible for the entity's compliance with 1479
2201	2201	state law for purposes of this part. 1480
2202	2202	17.(q) Medicaid providers. 1481
2203	2203	(b) Notwithstanding paragraph (a) this subsection, an 1482
2204	2204	entity is shall be deemed a clinic and must be licensed under 1483
2205	2205	this part in order to receive medical payments coverage 1484
2206	2206	reimbursement under s. 627.7265 unless the entity is: 1485
2207	2207	1. Wholly owned by a physician licensed under chapter 458 1486
2208	2208	or chapter 459 or by the physician and the spouse, parent, 1487
2209	2209	child, or sibling of the physician; 1488
2210	2210	2. Wholly owned by a dentist licensed under chapter 466 or 1489
2211	2211	by the dentist and the spouse, parent, child, or sibling of the 1490
2212	2212	dentist; 1491
2213	2213	3. Wholly owned by a chiropractic physician licensed under 1492
2214	2214	chapter 460 or by the chiropractic physician and the spouse, 1493
2215	2215	parent, child, or sibling of the chiropractic physician; 1494
2216	2216	4. A hospital or ambulatory surgical center licensed under 1495
2217	2217	chapter 395; 1496
2218	2218	5. An entity that wholly owns or is wholly owned, directly 1497
2219	2219	or indirectly, by a hospital or hospitals licensed under chapter 1498
2220	2220	395; 1499
2221	2221	6. A clinical facility affiliated with an accredited 1500
2222	2222
2223	2223	HB 1525 2022
2224	2224
2225	2225
2226	2226
2227	2227	CODING: Words stricken are deletions; words underlined are additions.
2228	2228	hb1525-00
2229	2229	Page 61 of 131
2230	2230	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
2231	2231
2232	2232
2233	2233
2234	2234	medical school at which training is provided for medical 1501
2235	2235	students, residents, or fellows; 1502
2236	2236	7. Certified under 42 C.F.R. part 485, sub part H; or 1503
2237	2237	8. Owned by a publicly traded corporation, either directly 1504
2238	2238	or indirectly through its subsidiaries, which has $250 million 1505
2239	2239	or more in total annual sales of health care services provided 1506
2240	2240	by licensed health care practitioners, if one or more of t he 1507
2241	2241	persons responsible for the operations of the entity are health 1508
2242	2242	care practitioners who are licensed in the state and who are 1509
2243	2243	responsible for supervising the business activities of the 1510
2244	2244	entity and the entity's compliance with state law for purposes 1511
2245	2245	of this subsection the Florida Motor Vehicle No -Fault Law, ss. 1512
2246	2246	627.730-627.7405, unless exempted under s. 627.736(5)(h) . 1513
2247	2247	Section 28. Subsection (5) of section 400.991, Florida 1514
2248	2248	Statutes, is amended to read: 1515
2249	2249	400.991 License requirements; background screenings; 1516
2250	2250	prohibitions.— 1517
2251	2251	(5) All agency forms for licensure application or 1518
2252	2252	exemption from licensure under this part must contain the 1519
2253	2253	following statement: 1520
2254	2254	1521
2255	2255	INSURANCE FRAUD NOTICE. —A person commits a fraudulent 1522
2256	2256	insurance act, as defined in s. 626.989, Florida 1523
2257	2257	Statutes, if the person who knowingly submits a false, 1524
2258	2258	misleading, or fraudulent application or other 1525
2259	2259
2260	2260	HB 1525 2022
2261	2261
2262	2262
2263	2263
2264	2264	CODING: Words stricken are deletions; words underlined are additions.
2265	2265	hb1525-00
2266	2266	Page 62 of 131
2267	2267	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
2268	2268
2269	2269
2270	2270
2271	2271	document when applying for licensure as a health care 1526
2272	2272	clinic, seeking an exemption from licensure as a 1527
2273	2273	health care clinic, or demonstrating compli ance with 1528
2274	2274	part X of chapter 400, Florida Statutes, with the 1529
2275	2275	intent to use the license, exemption from licensure, 1530
2276	2276	or demonstration of compliance to provide services or 1531
2277	2277	seek reimbursement under a motor vehicle liability 1532
2278	2278	insurance policy's medical payments co verage the 1533
2279	2279	Florida Motor Vehicle No -Fault Law, commits a 1534
2280	2280	fraudulent insurance act, as defined in s. 626.989, 1535
2281	2281	Florida Statutes. A person who presents a claim for 1536
2282	2282	benefits under medical payments coverage personal 1537
2283	2283	injury protection benefits knowing that the payee 1538
2284	2284	knowingly submitted such health care clinic 1539
2285	2285	application or document commits insurance fraud, as 1540
2286	2286	defined in s. 817.234, Florida Statutes. 1541
2287	2287	Section 29. Paragraph (g) of subsection (1) of section 1542
2288	2288	400.9935, Florida Statutes, is amended to read: 1543
2289	2289	400.9935 Clinic responsibilities. — 1544
2290	2290	(1) Each clinic shall appoint a medical director or clinic 1545
2291	2291	director who shall agree in writing to accept legal 1546
2292	2292	responsibility for the following activities on behalf of the 1547
2293	2293	clinic. The medical director or the clinic director shall: 1548
2294	2294	(g) Conduct systematic reviews of clinic billings to 1549
2295	2295	ensure that the billings are not fraudulent or unlawful. Upon 1550
2296	2296
2297	2297	HB 1525 2022
2298	2298
2299	2299
2300	2300
2301	2301	CODING: Words stricken are deletions; words underlined are additions.
2302	2302	hb1525-00
2303	2303	Page 63 of 131
2304	2304	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
2305	2305
2306	2306
2307	2307
2308	2308	discovery of an unlawful charge, the medical director or clinic 1551
2309	2309	director shall take immediate corrective action. If the clinic 1552
2310	2310	performs only the technical component of magnetic resonance 1553
2311	2311	imaging, static radiographs, computed tomography, or positron 1554
2312	2312	emission tomography, and provides the professional 1555
2313	2313	interpretation of such services, in a fixed facility that is 1556
2314	2314	accredited by a national ac crediting organization that is 1557
2315	2315	approved by the Centers for Medicare and Medicaid Services for 1558
2316	2316	magnetic resonance imaging and advanced diagnostic imaging 1559
2317	2317	services and if, in the preceding quarter, the percentage of 1560
2318	2318	scans performed by that clinic which was b illed to motor vehicle 1561
2319	2319	all personal injury protection insurance carriers under medical 1562
2320	2320	payments coverage was less than 15 percent, the chief financial 1563
2321	2321	officer of the clinic may, in a written acknowledgment provided 1564
2322	2322	to the agency, assume the responsibility for the conduct of the 1565
2323	2323	systematic reviews of clinic billings to ensure that the 1566
2324	2324	billings are not fraudulent or unlawful. 1567
2325	2325	Section 30. Subsection (28) of section 409.901, Florida 1568
2326	2326	Statutes, is amended to read: 1569
2327	2327	409.901 Definitions; ss. 409.901 -409.920.—As used in ss. 1570
2328	2328	409.901-409.920, except as otherwise specifically provided, the 1571
2329	2329	term: 1572
2330	2330	(28) "Third-party benefit" means any benefit that is or 1573
2331	2331	may be available at any time through contract, court award, 1574
2332	2332	judgment, settlement, agreement, or any arrangement be tween a 1575
2333	2333
2334	2334	HB 1525 2022
2335	2335
2336	2336
2337	2337
2338	2338	CODING: Words stricken are deletions; words underlined are additions.
2339	2339	hb1525-00
2340	2340	Page 64 of 131
2341	2341	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
2342	2342
2343	2343
2344	2344
2345	2345	third party and any person or entity, including, without 1576
2346	2346	limitation, a Medicaid recipient, a provider, another third 1577
2347	2347	party, an insurer, or the agency, for any Medicaid -covered 1578
2348	2348	injury, illness, goods, or services, including costs of medical 1579
2349	2349	services related thereto, for bodily personal injury or for 1580
2350	2350	death of the recipient, but specifically excluding policies of 1581
2351	2351	life insurance policies on the recipient, unless available under 1582
2352	2352	terms of the policy to pay medical expenses before prior to 1583
2353	2353	death. The term includes, without limitation, collateral, as 1584
2354	2354	defined in this section ;, health insurance;, any benefit under a 1585
2355	2355	health maintenance organization, a preferred provider 1586
2356	2356	arrangement, a prepaid health clinic, liability insurance, 1587
2357	2357	uninsured motorist insurance , or medical payments coverage; or 1588
2358	2358	personal injury protection coverage, medical benefits under 1589
2359	2359	workers' compensation ;, and any obligation under law or equity 1590
2360	2360	to provide medical support. 1591
2361	2361	Section 31. Paragraph (f) of subsection (11) of section 1592
2362	2362	409.910, Florida Statutes, is amended to read: 1593
2363	2363	409.910 Responsibility for payments on behalf of Medicaid -1594
2364	2364	eligible persons when other parties are liable. — 1595
2365	2365	(11) The agency may, as a matter of right, in order to 1596
2366	2366	enforce its rights under this section, institute, interven e in, 1597
2367	2367	or join any legal or administrative proceeding in its own name 1598
2368	2368	in one or more of the following capacities: individually, as 1599
2369	2369	subrogee of the recipient, as assignee of the recipient, or as 1600
2370	2370
2371	2371	HB 1525 2022
2372	2372
2373	2373
2374	2374
2375	2375	CODING: Words stricken are deletions; words underlined are additions.
2376	2376	hb1525-00
2377	2377	Page 65 of 131
2378	2378	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
2379	2379
2380	2380
2381	2381
2382	2382	lienholder of the collateral. 1601
2383	2383	(f) Notwithstanding any provisi on in this section to the 1602
2384	2384	contrary, in the event of an action in tort against a third 1603
2385	2385	party in which the recipient or his or her legal representative 1604
2386	2386	is a party which results in a judgment, award, or settlement 1605
2387	2387	from a third party, the amount recovered shal l be distributed as 1606
2388	2388	follows: 1607
2389	2389	1. After attorney attorney's fees and taxable costs as 1608
2390	2390	defined by the Florida Rules of Civil Procedure, one -half of the 1609
2391	2391	remaining recovery shall be paid to the agency up to the total 1610
2392	2392	amount of medical assistance provided by M edicaid. 1611
2393	2393	2. The remaining amount of the recovery shall be paid to 1612
2394	2394	the recipient. 1613
2395	2395	3. For purposes of calculating the agency's recovery of 1614
2396	2396	medical assistance benefits paid, the fee for services of an 1615
2397	2397	attorney retained by the recipient or his or her legal 1616
2398	2398	representative shall be calculated at 25 percent of the 1617
2399	2399	judgment, award, or settlement. 1618
2400	2400	4. Notwithstanding any other provision of this section to 1619
2401	2401	the contrary, the agency shall be entitled to all medical 1620
2402	2402	coverage benefits up to the total amount of medic al assistance 1621
2403	2403	provided by Medicaid. For purposes of this paragraph, the term 1622
2404	2404	"medical coverage" means any benefits under health insurance, a 1623
2405	2405	health maintenance organization, a preferred provider 1624
2406	2406	arrangement, or a prepaid health clinic, and the portion of 1625
2407	2407
2408	2408	HB 1525 2022
2409	2409
2410	2410
2411	2411
2412	2412	CODING: Words stricken are deletions; words underlined are additions.
2413	2413	hb1525-00
2414	2414	Page 66 of 131
2415	2415	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
2416	2416
2417	2417
2418	2418
2419	2419	benefits designated for medical payments under coverage for 1626
2420	2420	workers' compensation coverage, motor vehicle insurance 1627
2421	2421	coverage, personal injury protection, and casualty coverage. 1628
2422	2422	Section 32. Paragraph (k) of subsection (2) of section 1629
2423	2423	456.057, Florida Stat utes, is amended to read: 1630
2424	2424	456.057 Ownership and control of patient records; report 1631
2425	2425	or copies of records to be furnished; disclosure of 1632
2426	2426	information.— 1633
2427	2427	(2) As used in this section, the terms "records owner," 1634
2428	2428	"health care practitioner," and "health care pr actitioner's 1635
2429	2429	employer" do not include any of the following persons or 1636
2430	2430	entities; furthermore, the following persons or entities are not 1637
2431	2431	authorized to acquire or own medical records, but are authorized 1638
2432	2432	under the confidentiality and disclosure requirements of this 1639
2433	2433	section to maintain those documents required by the part or 1640
2434	2434	chapter under which they are licensed or regulated: 1641
2435	2435	(k) Persons or entities practicing under s. 627.736(7). 1642
2436	2436	Section 33. Paragraphs (ee) and (ff) of subsection (1) of 1643
2437	2437	section 456.072, Florida Statutes, are amended to read: 1644
2438	2438	456.072 Grounds for discipline; penalties; enforcement. — 1645
2439	2439	(1) The following acts shall constitute grounds for which 1646
2440	2440	the disciplinary actions specified in subsection (2) may be 1647
2441	2441	taken: 1648
2442	2442	(ee) With respect to making a medical payments coverage 1649
2443	2443	personal injury protection claim under s. 627.7265 as required 1650
2444	2444
2445	2445	HB 1525 2022
2446	2446
2447	2447
2448	2448
2449	2449	CODING: Words stricken are deletions; words underlined are additions.
2450	2450	hb1525-00
2451	2451	Page 67 of 131
2452	2452	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
2453	2453
2454	2454
2455	2455
2456	2456	by s. 627.736, intentionally submitting a claim, statement, or 1651
2457	2457	bill that has been upcoded. As used in this paragraph, the term 1652
2458	2458	"upcode" means to submit a billing code that would result in a 1653
2459	2459	greater payment amount than would be paid using a billing code 1654
2460	2460	that accurately describes the services performed. The term does 1655
2461	2461	not include an otherwise lawful bill by a magnetic resonance 1656
2462	2462	imaging facility which globally combines both technical and 1657
2463	2463	professional components, if the amount of the global bill is not 1658
2464	2464	more than the components if billed separately; however, payment 1659
2465	2465	of such a bill constitutes payment in full for all components of 1660
2466	2466	such service "upcoded" as defined in s. 627.732 . 1661
2467	2467	(ff) With respect to making a medical payments coverage 1662
2468	2468	personal injury protection claim under s. 627.7265 as required 1663
2469	2469	by s. 627.736, intentionally submitting a claim, statement, or 1664
2470	2470	bill for payment of services that were not rendered. 1665
2471	2471	Section 34. Paragraphs (i) and (o) of subsection (1) of 1666
2472	2472	section 626.9541, Florida Statutes, are amended to read: 1667
2473	2473	626.9541 Unfair methods of competition and unfair or 1668
2474	2474	deceptive acts or practices defined. — 1669
2475	2475	(1) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE 1670
2476	2476	ACTS.—The following are defined as unfair methods of competition 1671
2477	2477	and unfair or deceptive acts or practices: 1672
2478	2478	(i) Unfair claim settlement practices. — 1673
2479	2479	1. Attempting to settle claims on the basis of an 1674
2480	2480	application, when serving as a binder or intended to b ecome a 1675
2481	2481
2482	2482	HB 1525 2022
2483	2483
2484	2484
2485	2485
2486	2486	CODING: Words stricken are deletions; words underlined are additions.
2487	2487	hb1525-00
2488	2488	Page 68 of 131
2489	2489	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
2490	2490
2491	2491
2492	2492
2493	2493	part of the policy, or any other material document which was 1676
2494	2494	altered without notice to, or knowledge or consent of, the 1677
2495	2495	insured; 1678
2496	2496	2. Making a material misrepresentation made to an insured 1679
2497	2497	or any other person having an interest in the proceeds paya ble 1680
2498	2498	under such contract or policy, for the purpose and with the 1681
2499	2499	intent of effecting settlement of such claims, loss, or damage 1682
2500	2500	under such contract or policy on less favorable terms than those 1683
2501	2501	provided in, and contemplated by, such contract or policy; or 1684
2502	2502	3. Committing or performing with such frequency as to 1685
2503	2503	indicate a general business practice any of the following: 1686
2504	2504	a. Failing to adopt and implement standards for the proper 1687
2505	2505	investigation of claims; 1688
2506	2506	b. Misrepresenting pertinent facts or insurance policy 1689
2507	2507	provisions relating to coverages at issue; 1690
2508	2508	c. Failing to acknowledge and act promptly upon 1691
2509	2509	communications with respect to claims; 1692
2510	2510	d. Denying claims without conducting reasonable 1693
2511	2511	investigations based upon available information; 1694
2512	2512	e. Failing to affirm or deny full or partial coverage of 1695
2513	2513	claims, and, as to partial coverage, the dollar amount or extent 1696
2514	2514	of coverage, or failing to provide a written statement that the 1697
2515	2515	claim is being investigated, upon the written request of the 1698
2516	2516	insured within 30 days after pro of-of-loss statements have been 1699
2517	2517	completed; 1700
2518	2518
2519	2519	HB 1525 2022
2520	2520
2521	2521
2522	2522
2523	2523	CODING: Words stricken are deletions; words underlined are additions.
2524	2524	hb1525-00
2525	2525	Page 69 of 131
2526	2526	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
2527	2527
2528	2528
2529	2529
2530	2530	f. Failing to promptly provide a reasonable explanation in 1701
2531	2531	writing to the insured of the basis in the insurance policy, in 1702
2532	2532	relation to the facts or applicable law, for denial of a claim 1703
2533	2533	or for the offer of a com promise settlement; 1704
2534	2534	g. Failing to promptly notify the insured of any 1705
2535	2535	additional information necessary for the processing of a claim; 1706
2536	2536	or 1707
2537	2537	h. Failing to clearly explain the nature of the requested 1708
2538	2538	information and the reasons why such information is necess ary. 1709
2539	2539	i. Failing to pay personal injury protection insurance 1710
2540	2540	claims within the time periods required by s. 627.736(4)(b). The 1711
2541	2541	office may order the insurer to pay restitution to a 1712
2542	2542	policyholder, medical provider, or other claimant, including 1713
2543	2543	interest at a rate consistent with the amount set forth in s. 1714
2544	2544	55.03(1), for the time period within which an insurer fails to 1715
2545	2545	pay claims as required by law. Restitution is in addition to any 1716
2546	2546	other penalties allowed by law, including, but not limited to, 1717
2547	2547	the suspension of the insurer's certificate of authority. 1718
2548	2548	4. Failing to pay undisputed amounts of partial or full 1719
2549	2549	benefits owed under first -party property insurance policies 1720
2550	2550	within 90 days after an insurer receives notice of a residential 1721
2551	2551	property insurance claim, determi nes the amounts of partial or 1722
2552	2552	full benefits, and agrees to coverage, unless payment of the 1723
2553	2553	undisputed benefits is prevented by an act of God, prevented by 1724
2554	2554	the impossibility of performance, or due to actions by the 1725
2555	2555
2556	2556	HB 1525 2022
2557	2557
2558	2558
2559	2559
2560	2560	CODING: Words stricken are deletions; words underlined are additions.
2561	2561	hb1525-00
2562	2562	Page 70 of 131
2563	2563	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
2564	2564
2565	2565
2566	2566
2567	2567	insured or claimant that constitute fraud, lack of cooperation, 1726
2568	2568	or intentional misrepresentation regarding the claim for which 1727
2569	2569	benefits are owed. 1728
2570	2570	(o) Illegal dealings in premiums; excess or reduced 1729
2571	2571	charges for insurance. — 1730
2572	2572	1. Knowingly collecting any sum as a premium or charge for 1731
2573	2573	insurance, which is not then provided, or is not in due course 1732
2574	2574	to be provided, subject to acceptance of the risk by the 1733
2575	2575	insurer, by an insurance policy issued by an insurer as 1734
2576	2576	permitted by this code. 1735
2577	2577	2. Knowingly collecting as a premium or charge for 1736
2578	2578	insurance any sum in excess of or less than the premium or 1737
2579	2579	charge applicable to such insurance, in accordance with the 1738
2580	2580	applicable classifications and rates as filed with and approved 1739
2581	2581	by the office, and as specified in the policy; or, in cases when 1740
2582	2582	classifications, premium s, or rates are not required by this 1741
2583	2583	code to be so filed and approved, premiums and charges collected 1742
2584	2584	from a Florida resident in excess of or less than those 1743
2585	2585	specified in the policy and as fixed by the insurer. 1744
2586	2586	Notwithstanding any other provision of law, t his provision shall 1745
2587	2587	not be deemed to prohibit the charging and collection, by 1746
2588	2588	surplus lines agents licensed under part VIII of this chapter, 1747
2589	2589	of the amount of applicable state and federal taxes, or fees as 1748
2590	2590	authorized by s. 626.916(4), in addition to the pre mium required 1749
2591	2591	by the insurer or the charging and collection, by licensed 1750
2592	2592
2593	2593	HB 1525 2022
2594	2594
2595	2595
2596	2596
2597	2597	CODING: Words stricken are deletions; words underlined are additions.
2598	2598	hb1525-00
2599	2599	Page 71 of 131
2600	2600	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
2601	2601
2602	2602
2603	2603
2604	2604	agents, of the exact amount of any discount or other such fee 1751
2605	2605	charged by a credit card facility in connection with the use of 1752
2606	2606	a credit card, as authorized by subparagraph (q)3., in ad dition 1753
2607	2607	to the premium required by the insurer. This subparagraph shall 1754
2608	2608	not be construed to prohibit collection of a premium for a 1755
2609	2609	universal life or a variable or indeterminate value insurance 1756
2610	2610	policy made in accordance with the terms of the contract. 1757
2611	2611	3.a. Imposing or requesting an additional premium for 1758
2612	2612	death benefit coverage, bodily injury liability coverage, 1759
2613	2613	property damage liability coverage a policy of motor vehicle 1760
2614	2614	liability, personal injury protection , medical payments coverage 1761
2615	2615	payment, or collision coverage in a motor vehicle liability 1762
2616	2616	insurance policy insurance or any combination thereof or 1763
2617	2617	refusing to renew the policy solely because the insured was 1764
2618	2618	involved in a motor vehicle accident unless the insurer's file 1765
2619	2619	contains information from which the in surer in good faith 1766
2620	2620	determines that the insured was substantially at fault in the 1767
2621	2621	accident. 1768
2622	2622	b. An insurer which imposes and collects such a surcharge 1769
2623	2623	or which refuses to renew such policy shall, in conjunction with 1770
2624	2624	the notice of premium due or notice of nonrenewal, notify the 1771
2625	2625	named insured that he or she is entitled to reimbursement of 1772
2626	2626	such amount or renewal of the policy under the conditions listed 1773
2627	2627	below and will subsequently reimburse him or her or renew the 1774
2628	2628	policy, if the named insured demonstrates tha t the operator 1775
2629	2629
2630	2630	HB 1525 2022
2631	2631
2632	2632
2633	2633
2634	2634	CODING: Words stricken are deletions; words underlined are additions.
2635	2635	hb1525-00
2636	2636	Page 72 of 131
2637	2637	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
2638	2638
2639	2639
2640	2640
2641	2641	involved in the accident was: 1776
2642	2642	(I) Lawfully parked; 1777
2643	2643	(II) Reimbursed by, or on behalf of, a person responsible 1778
2644	2644	for the accident or has a judgment against such person; 1779
2645	2645	(III) Struck in the rear by another vehicle headed in the 1780
2646	2646	same direction and was not convicted of a moving traffic 1781
2647	2647	violation in connection with the accident; 1782
2648	2648	(IV) Hit by a "hit-and-run" driver, if the accident was 1783
2649	2649	reported to the proper authorities within 24 hours after 1784
2650	2650	discovering the accident; 1785
2651	2651	(V) Not convicted of a mo ving traffic violation in 1786
2652	2652	connection with the accident, but the operator of the other 1787
2653	2653	automobile involved in such accident was convicted of a moving 1788
2654	2654	traffic violation; 1789
2655	2655	(VI) Finally adjudicated not to be liable by a court of 1790
2656	2656	competent jurisdiction; 1791
2657	2657	(VII) In receipt of a traffic citation which was dismissed 1792
2658	2658	or nolle prossed; or 1793
2659	2659	(VIII) Not at fault as evidenced by a written statement 1794
2660	2660	from the insured establishing facts demonstrating lack of fault 1795
2661	2661	which are not rebutted by information in the insurer's fil e from 1796
2662	2662	which the insurer in good faith determines that the insured was 1797
2663	2663	substantially at fault. 1798
2664	2664	c. In addition to the other provisions of this 1799
2665	2665	subparagraph, an insurer may not fail to renew a policy if the 1800
2666	2666
2667	2667	HB 1525 2022
2668	2668
2669	2669
2670	2670
2671	2671	CODING: Words stricken are deletions; words underlined are additions.
2672	2672	hb1525-00
2673	2673	Page 73 of 131
2674	2674	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
2675	2675
2676	2676
2677	2677
2678	2678	insured has had only one accident in which he or she was at 1801
2679	2679	fault within the current 3 -year period. However, an insurer may 1802
2680	2680	nonrenew a policy for reasons other than accidents in accordance 1803
2681	2681	with s. 627.728. This subparagraph does not prohibit nonrenewal 1804
2682	2682	of a policy under which the insured has had three or more 1805
2683	2683	accidents, regardless of fault, during the most recent 3 -year 1806
2684	2684	period. 1807
2685	2685	4. Imposing or requesting an additional premium for, or 1808
2686	2686	refusing to renew, a policy for motor vehicle insurance solely 1809
2687	2687	because the insured committed a noncriminal traffic infract ion 1810
2688	2688	as described in s. 318.14 unless the infraction is: 1811
2689	2689	a. A second infraction committed within an 18 -month 1812
2690	2690	period, or a third or subsequent infraction committed within a 1813
2691	2691	36-month period. 1814
2692	2692	b. A violation of s. 316.183, when such violation is a 1815
2693	2693	result of exceeding the lawful speed limit by more than 15 miles 1816
2694	2694	per hour. 1817
2695	2695	5. Upon the request of the insured, the insurer and 1818
2696	2696	licensed agent shall supply to the insured the complete proof of 1819
2697	2697	fault or other criteria which justifies the additional charge or 1820
2698	2698	cancellation. 1821
2699	2699	6. No insurer shall impose or request an additional 1822
2700	2700	premium for motor vehicle insurance, cancel or refuse to issue a 1823
2701	2701	policy, or refuse to renew a policy because the insured or the 1824
2702	2702	applicant is a handicapped or physically disabled person, so 1825
2703	2703
2704	2704	HB 1525 2022
2705	2705
2706	2706
2707	2707
2708	2708	CODING: Words stricken are deletions; words underlined are additions.
2709	2709	hb1525-00
2710	2710	Page 74 of 131
2711	2711	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
2712	2712
2713	2713
2714	2714
2715	2715	long as such handicap or physical disability does not 1826
2716	2716	substantially impair such person's mechanically assisted driving 1827
2717	2717	ability. 1828
2718	2718	7. No insurer may cancel or otherwise terminate any 1829
2719	2719	insurance contract or coverage, or require execution of a 1830
2720	2720	consent to rate endor sement, during the stated policy term for 1831
2721	2721	the purpose of offering to issue, or issuing, a similar or 1832
2722	2722	identical contract or coverage to the same insured with the same 1833
2723	2723	exposure at a higher premium rate or continuing an existing 1834
2724	2724	contract or coverage with the same exposure at an increased 1835
2725	2725	premium. 1836
2726	2726	8. No insurer may issue a nonrenewal notice on any 1837
2727	2727	insurance contract or coverage, or require execution of a 1838
2728	2728	consent to rate endorsement, for the purpose of offering to 1839
2729	2729	issue, or issuing, a similar or identical cont ract or coverage 1840
2730	2730	to the same insured at a higher premium rate or continuing an 1841
2731	2731	existing contract or coverage at an increased premium without 1842
2732	2732	meeting any applicable notice requirements. 1843
2733	2733	9. No insurer shall, with respect to premiums charged for 1844
2734	2734	motor vehicle insurance, unfairly discriminate solely on the 1845
2735	2735	basis of age, sex, marital status, or scholastic achievement. 1846
2736	2736	10. Imposing or requesting an additional premium for motor 1847
2737	2737	vehicle comprehensive or uninsured motorist coverage solely 1848
2738	2738	because the insured was involved in a motor vehicle accident or 1849
2739	2739	was convicted of a moving traffic violation. 1850
2740	2740
2741	2741	HB 1525 2022
2742	2742
2743	2743
2744	2744
2745	2745	CODING: Words stricken are deletions; words underlined are additions.
2746	2746	hb1525-00
2747	2747	Page 75 of 131
2748	2748	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
2749	2749
2750	2750
2751	2751
2752	2752	11. No insurer shall cancel or issue a nonrenewal notice 1851
2753	2753	on any insurance policy or contract without complying with any 1852
2754	2754	applicable cancellation or nonrenewal provision required under 1853
2755	2755	the Florida Insurance Code. 1854
2756	2756	12. No insurer shall impose or request an additional 1855
2757	2757	premium, cancel a policy, or issue a nonrenewal notice on any 1856
2758	2758	insurance policy or contract because of any traffic infraction 1857
2759	2759	when adjudication has been withhe ld and no points have been 1858
2760	2760	assessed pursuant to s. 318.14(9) and (10). However, this 1859
2761	2761	subparagraph does not apply to traffic infractions involving 1860
2762	2762	accidents in which the insurer has incurred a loss due to the 1861
2763	2763	fault of the insured. 1862
2764	2764	Section 35. Paragraph (a) of subsection (1) of section 1863
2765	2765	626.989, Florida Statutes, is amended to read: 1864
2766	2766	626.989 Investigation by department or Division of 1865
2767	2767	Investigative and Forensic Services; compliance; immunity; 1866
2768	2768	confidential information; reports to division; division 1867
2769	2769	investigator's power of arrest. — 1868
2770	2770	(1) For the purposes of this section: 1869
2771	2771	(a) A person commits a "fraudulent insurance act" if the 1870
2772	2772	person: 1871
2773	2773	1. Knowingly and with intent to defraud presents, causes 1872
2774	2774	to be presented, or prepares with knowledge or belief that it 1873
2775	2775	will be presented, to or by an insurer, self -insurer, self-1874
2776	2776	insurance fund, servicing corporation, purported insurer, 1875
2777	2777
2778	2778	HB 1525 2022
2779	2779
2780	2780
2781	2781
2782	2782	CODING: Words stricken are deletions; words underlined are additions.
2783	2783	hb1525-00
2784	2784	Page 76 of 131
2785	2785	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
2786	2786
2787	2787
2788	2788
2789	2789	broker, or any agent thereof, any written statement as part of, 1876
2790	2790	or in support of, an application for the issuance of, or the 1877
2791	2791	rating of, any insurance policy, or a claim for payment or other 1878
2792	2792	benefit pursuant to any insurance policy, which the person knows 1879
2793	2793	to contain materially false information concerning any fact 1880
2794	2794	material thereto or if the person conceals, for the purpose of 1881
2795	2795	misleading another, information concerning any fact material 1882
2796	2796	thereto. 1883
2797	2797	2. Knowingly submits: 1884
2798	2798	a. A false, misleading, or fraudulent application or other 1885
2799	2799	document when applying for licensure as a health care clinic, 1886
2800	2800	seeking an exemption from licensure as a health care clinic , or 1887
2801	2801	demonstrating compliance with part X of chapter 400 with an 1888
2802	2802	intent to use the license, exemption from licensure, or 1889
2803	2803	demonstration of compliance to provide services or seek 1890
2804	2804	reimbursement under a motor vehicle liability insurance policy's 1891
2805	2805	medical payments coverage the Florida Motor Vehicle No -Fault 1892
2806	2806	Law. 1893
2807	2807	b. A claim for payment or other benefit under a motor 1894
2808	2808	vehicle liability insurance policy's medical payments coverage, 1895
2809	2809	pursuant to a personal injury protection insurance policy under 1896
2810	2810	the Florida Motor Ve hicle No-Fault Law if the person knows that 1897
2811	2811	the payee knowingly submitted a false, misleading, or fraudulent 1898
2812	2812	application or other document when applying for licensure as a 1899
2813	2813	health care clinic, seeking an exemption from licensure as a 1900
2814	2814
2815	2815	HB 1525 2022
2816	2816
2817	2817
2818	2818
2819	2819	CODING: Words stricken are deletions; words underlined are additions.
2820	2820	hb1525-00
2821	2821	Page 77 of 131
2822	2822	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
2823	2823
2824	2824
2825	2825
2826	2826	health care clinic, or demonstrating compliance with part X of 1901
2827	2827	chapter 400. 1902
2828	2828	Section 36. Subsection (1) of section 627.06501, Florida 1903
2829	2829	Statutes, is amended to read: 1904
2830	2830	627.06501 Insurance discounts for certain persons 1905
2831	2831	completing driver improvement course. — 1906
2832	2832	(1) Any rate, ratin g schedule, or rating manual for the 1907
2833	2833	liability, medical payments, death benefit personal injury 1908
2834	2834	protection, and collision coverages of a motor vehicle insurance 1909
2835	2835	policy filed with the office may provide for an appropriate 1910
2836	2836	reduction in premium charges as to such coverages if when the 1911
2837	2837	principal operator on the covered vehicle has successfully 1912
2838	2838	completed a driver improvement course approved and certified by 1913
2839	2839	the Department of Highway Safety and Motor Vehicles which is 1914
2840	2840	effective in reducing crash or violation rate s, or both, as 1915
2841	2841	determined pursuant to s. 318.1451(5). Any discount, not to 1916
2842	2842	exceed 10 percent, used by an insurer is presumed to be 1917
2843	2843	appropriate unless credible data demonstrates otherwise. 1918
2844	2844	Section 37. Subsection (15) is added to section 627.0651, 1919
2845	2845	Florida Statutes, to read: 1920
2846	2846	627.0651 Making and use of rates for motor vehicle 1921
2847	2847	insurance.— 1922
2848	2848	(15) Rate filings for motor vehicle liability policies 1923
2849	2849	that implement the financial responsibility requirements of s. 1924
2850	2850	324.022 in effect July 1, 2023, except for commerc ial motor 1925
2851	2851
2852	2852	HB 1525 2022
2853	2853
2854	2854
2855	2855
2856	2856	CODING: Words stricken are deletions; words underlined are additions.
2857	2857	hb1525-00
2858	2858	Page 78 of 131
2859	2859	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
2860	2860
2861	2861
2862	2862
2863	2863	vehicle insurance policies exempt under paragraph (14)(a), must 1926
2864	2864	reflect such financial responsibility requirements and may be 1927
2865	2865	approved only through the file and use process under paragraph 1928
2866	2866	(1)(a). 1929
2867	2867	Section 38. Subsection (1) of section 627.065 2, Florida 1930
2868	2868	Statutes, is amended to read: 1931
2869	2869	627.0652 Insurance discounts for certain persons 1932
2870	2870	completing safety course. — 1933
2871	2871	(1) Any rates, rating schedules, or rating manuals for the 1934
2872	2872	liability, medical payments, death benefit personal injury 1935
2873	2873	protection, and collision coverages of a motor vehicle insurance 1936
2874	2874	policy filed with the office must shall provide for an 1937
2875	2875	appropriate reduction in premium charges as to such coverages if 1938
2876	2876	when the principal operator on the covered vehicle is an insured 1939
2877	2877	55 years of age or olde r who has successfully completed a motor 1940
2878	2878	vehicle accident prevention course approved by the Department of 1941
2879	2879	Highway Safety and Motor Vehicles. Any discount used by an 1942
2880	2880	insurer is presumed to be appropriate unless credible data 1943
2881	2881	demonstrates otherwise. 1944
2882	2882	Section 39. Subsections (1), (3), and (6) of section 1945
2883	2883	627.0653, Florida Statutes, are amended to read: 1946
2884	2884	627.0653 Insurance discounts for specified motor vehicle 1947
2885	2885	equipment.— 1948
2886	2886	(1) Any rates, rating schedules, or rating manuals for the 1949
2887	2887	liability, medical payments, death benefit personal injury 1950
2888	2888
2889	2889	HB 1525 2022
2890	2890
2891	2891
2892	2892
2893	2893	CODING: Words stricken are deletions; words underlined are additions.
2894	2894	hb1525-00
2895	2895	Page 79 of 131
2896	2896	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
2897	2897
2898	2898
2899	2899
2900	2900	protection, and collision coverages of a motor vehicle insurance 1951
2901	2901	policy filed with the office must shall provide a premium 1952
2902	2902	discount if the insured vehicle is equipped with factory -1953
2903	2903	installed, four-wheel antilock brakes. 1954
2904	2904	(3) Any rates, rating schedules, or rating manuals for 1955
2905	2905	personal injury protection coverage and medical payments 1956
2906	2906	coverage, if offered, of a motor vehicle insurance policy filed 1957
2907	2907	with the office must shall provide a premium discount if the 1958
2908	2908	insured vehicle is equipped with one or more air bags that which 1959
2909	2909	are factory installed. 1960
2910	2910	(6) The Office of Insurance Regulation may approve a 1961
2911	2911	premium discount to any rates, rating schedules, or rating 1962
2912	2912	manuals for the liability, medical payments, death benefit 1963
2913	2913	personal injury protection, and collision coverages of a motor 1964
2914	2914	vehicle insurance policy filed with the office if the insured 1965
2915	2915	vehicle is equipped with an automated driving system or 1966
2916	2916	electronic vehicle collision avoidance technology that is 1967
2917	2917	factory installed or a ret rofitted system and that complies with 1968
2918	2918	National Highway Traffic Safety Administration standards. 1969
2919	2919	Section 40. Section 627.4132, Florida Statutes, is amended 1970
2920	2920	to read: 1971
2921	2921	627.4132 Stacking of coverages prohibited. —If an insured 1972
2922	2922	or named insured is protecte d by any type of motor vehicle 1973
2923	2923	insurance policy for bodily injury and property damage 1974
2924	2924	liability, personal injury protection, or other coverage , the 1975
2925	2925
2926	2926	HB 1525 2022
2927	2927
2928	2928
2929	2929
2930	2930	CODING: Words stricken are deletions; words underlined are additions.
2931	2931	hb1525-00
2932	2932	Page 80 of 131
2933	2933	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
2934	2934
2935	2935
2936	2936
2937	2937	policy must shall provide that the insured or named insured is 1976
2938	2938	protected only to the extent of the coverage she or he has on 1977
2939	2939	the vehicle involved in the accident. However, if none of the 1978
2940	2940	insured's or named insured's vehicles are is involved in the 1979
2941	2941	accident, coverage is available only to the extent of coverage 1980
2942	2942	on any one of the vehicles with applicable coverage. Coverage on 1981
2943	2943	any other vehicles may shall not be added to or stacked upon 1982
2944	2944	that coverage. This section does not apply: 1983
2945	2945	(1) Apply to uninsured motorist coverage that which is 1984
2946	2946	separately governed by s. 627.727. 1985
2947	2947	(2) To Reduce the coverage available by reaso n of 1986
2948	2948	insurance policies insuring different named insureds. 1987
2949	2949	Section 41. Subsection (1) of section 627.4137, Florida 1988
2950	2950	Statutes, is amended to read: 1989
2951	2951	627.4137 Disclosure of certain information required. — 1990
2952	2952	(1) Each insurer which does or may provide liabil ity 1991
2953	2953	insurance coverage to pay all or a portion of any claim which 1992
2954	2954	might be made shall provide, within 30 days of the written 1993
2955	2955	request of the claimant or the claimant's attorney , a statement, 1994
2956	2956	under oath, of a corporate officer or the insurer's claims 1995
2957	2957	manager or superintendent setting forth the following 1996
2958	2958	information with regard to each known policy of insurance, 1997
2959	2959	including excess or umbrella insurance: 1998
2960	2960	(a) The name of the insurer. 1999
2961	2961	(b) The name of each insured. 2000
2962	2962
2963	2963	HB 1525 2022
2964	2964
2965	2965
2966	2966
2967	2967	CODING: Words stricken are deletions; words underlined are additions.
2968	2968	hb1525-00
2969	2969	Page 81 of 131
2970	2970	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
2971	2971
2972	2972
2973	2973
2974	2974	(c) The limits of the liability coverage. 2001
2975	2975	(d) A statement of any policy or coverage defense which 2002
2976	2976	such insurer reasonably believes is available to such insurer at 2003
2977	2977	the time of filing such statement. 2004
2978	2978	(e) A copy of the policy. 2005
2979	2979	2006
2980	2980	In addition, the insured, or her or his insurance agent, upon 2007
2981	2981	written request of the claimant or the claimant's attorney, 2008
2982	2982	shall disclose the name and coverage of each known insurer to 2009
2983	2983	the claimant and shall forward such request for information as 2010
2984	2984	required by this subsection to all affected insurers. The 2011
2985	2985	insurer shall then supp ly the information required in this 2012
2986	2986	subsection to the claimant within 30 days after of receipt of 2013
2987	2987	such request. If an insurer fails to timely comply with this 2014
2988	2988	section, the claimant may file an action in a court of competent 2015
2989	2989	jurisdiction to enforce this sec tion. If the court determines 2016
2990	2990	that the insurer violated this section, the claimant is entitled 2017
2991	2991	to an award of reasonable attorney fees and costs to be paid by 2018
2992	2992	the insurer. 2019
2993	2993	Section 42. Section 627.7263, Florida Statutes, is amended 2020
2994	2994	to read: 2021
2995	2995	627.7263 Rental and leasing driver's insurance to be 2022
2996	2996	primary; exception.— 2023
2997	2997	(1) The valid and collectible liability insurance , death 2024
2998	2998	benefit coverage, and medical payments coverage or personal 2025
2999	2999
3000	3000	HB 1525 2022
3001	3001
3002	3002
3003	3003
3004	3004	CODING: Words stricken are deletions; words underlined are additions.
3005	3005	hb1525-00
3006	3006	Page 82 of 131
3007	3007	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
3008	3008
3009	3009
3010	3010
3011	3011	injury protection insurance providing coverage for the lessor of 2026
3012	3012	a motor vehicle for rent or lease are is primary unless 2027
3013	3013	otherwise stated in at least 10 -point type on the face of the 2028
3014	3014	rental or lease agreement. Such insurance is primary for the 2029
3015	3015	limits of liability and personal injury protection coverage as 2030
3016	3016	required under s. 324.021(7), the death benefit coverage limit 2031
3017	3017	required under s. 627.72761, and the medical payments coverage 2032
3018	3018	limit required under s. 627.7265 by ss. 324.021(7) and 627.736 . 2033
3019	3019	(2) If the lessee's coverage is to be primary, the rental 2034
3020	3020	or lease agreement must cont ain the following language, in at 2035
3021	3021	least 10-point type: 2036
3022	3022	2037
3023	3023	"The valid and collectible liability insurance , death 2038
3024	3024	benefit coverage, and medical payments coverage 2039
3025	3025	personal injury protection insurance of an any 2040
3026	3026	authorized rental or leasing driver are is primary for 2041
3027	3027	the limits of liability and personal injury protection 2042
3028	3028	coverage required under s. 324.021(7), Florida 2043
3029	3029	Statutes, the limit of the death benefit coverage 2044
3030	3030	required under s. 627.72761, Florida Statutes, and the 2045
3031	3031	medical payments coverage limit required unde r s. 2046
3032	3032	627.7265 by ss. 324.021(7) and 627.736 , Florida 2047
3033	3033	Statutes." 2048
3034	3034	Section 43. Section 627.7265, Florida Statutes, is created 2049
3035	3035	to read: 2050
3036	3036
3037	3037	HB 1525 2022
3038	3038
3039	3039
3040	3040
3041	3041	CODING: Words stricken are deletions; words underlined are additions.
3042	3042	hb1525-00
3043	3043	Page 83 of 131
3044	3044	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
3045	3045
3046	3046
3047	3047
3048	3048	627.7265 Motor vehicle insurance; medical payments 2051
3049	3049	coverage.— 2052
3050	3050	(1) Medical payments coverage must protect the named 2053
3051	3051	insured, resident relatives, persons operating the insured motor 2054
3052	3052	vehicle, passengers in the insured motor vehicle, and persons 2055
3053	3053	who are struck by the insured motor vehicle and suffer bodily 2056
3054	3054	injury while not an occupant of a self -propelled motor vehicle 2057
3055	3055	at a limit of at least $5,000 for medical expenses incurred due 2058
3056	3056	to bodily injury, sickness, or disease arising out of the 2059
3057	3057	ownership, maintenance, or use of a motor vehicle. 2060
3058	3058	(a) Before issuing a motor vehicle liability insurance 2061
3059	3059	policy that is furnished as pr oof of financial responsibility 2062
3060	3060	under s. 324.031, the insurer must offer medical payments 2063
3061	3061	coverage at limits of $5,000 and $10,000. The insurer may also 2064
3062	3062	offer medical payments coverage at any limit greater than 2065
3063	3063	$5,000. 2066
3064	3064	(b) The insurer must offer medical payments coverage with 2067
3065	3065	no deductible. The insurer may also offer medical payments 2068
3066	3066	coverage with a deductible not to exceed $500. 2069
3067	3067	(c) This section may not be construed to limit any other 2070
3068	3068	coverage made available by an insurer. 2071
3069	3069	(2) Upon receiving notice o f an accident that is 2072
3070	3070	potentially covered by medical payments coverage benefits, the 2073
3071	3071	insurer must reserve $5,000 of medical payments coverage 2074
3072	3072	benefits for payment to physicians licensed under chapter 458 or 2075
3073	3073
3074	3074	HB 1525 2022
3075	3075
3076	3076
3077	3077
3078	3078	CODING: Words stricken are deletions; words underlined are additions.
3079	3079	hb1525-00
3080	3080	Page 84 of 131
3081	3081	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
3082	3082
3083	3083
3084	3084
3085	3085	chapter 459 or dentists licensed under chapter 46 6 who provide 2076
3086	3086	emergency services and care, as defined in s. 395.002, or who 2077
3087	3087	provide hospital inpatient care. The amount required to be held 2078
3088	3088	in reserve may be used only to pay claims from such physicians 2079
3089	3089	or dentists until 30 days after the date the insurer receives 2080
3090	3090	notice of the accident. After the 30 -day period, any amount of 2081
3091	3091	the reserve for which the insurer has not received notice of 2082
3092	3092	such claims may be used by the insurer to pay other claims. This 2083
3093	3093	subsection does not require an insurer to establish a clai m 2084
3094	3094	reserve for insurance accounting purposes. 2085
3095	3095	(3) An insurer providing medical payments coverage 2086
3096	3096	benefits may not: 2087
3097	3097	(a) Seek a lien on any recovery in tort by judgment, 2088
3098	3098	settlement, or otherwise for medical payments coverage benefits, 2089
3099	3099	regardless of whether suit has been filed or settlement has been 2090
3100	3100	reached without suit; or 2091
3101	3101	(b) Bring a cause of action against a person to whom or 2092
3102	3102	for whom medical payments coverage benefits were paid, except 2093
3103	3103	when medical payments coverage benefits were paid by reason of 2094
3104	3104	fraud committed by that person. 2095
3105	3105	(4) An insurer providing medical payments coverage may 2096
3106	3106	include provisions in its policy allowing for subrogation for 2097
3107	3107	medical payments coverage benefits paid if the expenses giving 2098
3108	3108	rise to the payments were caused by the wrongful act or omission 2099
3109	3109	of another who is not also an insured under the policy paying 2100
3110	3110
3111	3111	HB 1525 2022
3112	3112
3113	3113
3114	3114
3115	3115	CODING: Words stricken are deletions; words underlined are additions.
3116	3116	hb1525-00
3117	3117	Page 85 of 131
3118	3118	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
3119	3119
3120	3120
3121	3121
3122	3122	the medical payments coverage benefits. However, this 2101
3123	3123	subrogation right is inferior to the rights of the injured 2102
3124	3124	insured and is available only after all the insured's d amages 2103
3125	3125	are recovered and the insured is made whole. An insured who 2104
3126	3126	obtains a recovery from a third party of the full amount of the 2105
3127	3127	damages sustained and delivers a release or satisfaction that 2106
3128	3128	impairs a medical payments insurer's subrogation right is liabl e 2107
3129	3129	to the insurer for repayment of medical payments coverage 2108
3130	3130	benefits less any expenses of acquiring the recovery, including 2109
3131	3131	a prorated share of attorney fees and costs, and shall hold that 2110
3132	3132	net recovery in trust to be delivered to the medical payments 2111
3133	3133	insurer. The insurer may not include any provision in its policy 2112
3134	3134	allowing for subrogation for any death benefit paid. 2113
3135	3135	Section 44. Subsections (1) and (7) of section 627.727, 2114
3136	3136	Florida Statutes, are amended to read: 2115
3137	3137	627.727 Motor vehicle insurance; uninsured and 2116
3138	3138	underinsured vehicle coverage; insolvent insurer protection. — 2117
3139	3139	(1) A No motor vehicle liability insurance policy that 2118
3140	3140	which provides bodily injury liability coverage may not shall be 2119
3141	3141	delivered or issued for delivery in this state with respect to 2120
3142	3142	any specifically insured or identified motor vehicle registered 2121
3143	3143	or principally garaged in this state , unless uninsured motor 2122
3144	3144	vehicle coverage is provided therein or supplemental thereto for 2123
3145	3145	the protection of persons insured thereunder who are legally 2124
3146	3146	entitled to recover damages from owners or operators of 2125
3147	3147
3148	3148	HB 1525 2022
3149	3149
3150	3150
3151	3151
3152	3152	CODING: Words stricken are deletions; words underlined are additions.
3153	3153	hb1525-00
3154	3154	Page 86 of 131
3155	3155	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
3156	3156
3157	3157
3158	3158
3159	3159	uninsured motor vehicles because of bodily injury, sickness, or 2126
3160	3160	disease, including death, resulting therefrom. However, the 2127
3161	3161	coverage required under this section is not applicable if when, 2128
3162	3162	or to the extent that , an insured named in the policy makes a 2129
3163	3163	written rejection of the coverage on behalf of all insureds 2130
3164	3164	under the policy. If When a motor vehicle is leased for a period 2131
3165	3165	of 1 year or longer and the lessor of such vehicle, by the terms 2132
3166	3166	of the lease contract, pr ovides liability coverage on the leased 2133
3167	3167	vehicle, the lessee of such vehicle has shall have the sole 2134
3168	3168	privilege to reject uninsured motorist coverage or to select 2135
3169	3169	lower limits than the bodily injury liability limits, regardless 2136
3170	3170	of whether the lessor is quali fied as a self-insurer pursuant to 2137
3171	3171	s. 324.171. Unless an insured, or a lessee having the privilege 2138
3172	3172	of rejecting uninsured motorist coverage, requests such coverage 2139
3173	3173	or requests higher uninsured motorist limits in writing, the 2140
3174	3174	coverage or such higher uninsur ed motorist limits need not be 2141
3175	3175	provided in or supplemental to any other policy that which 2142
3176	3176	renews, extends, changes, supersedes, or replaces an existing 2143
3177	3177	policy with the same bodily injury liability limits when an 2144
3178	3178	insured or lessee had rejected the coverage. When an insured or 2145
3179	3179	lessee has initially selected limits of uninsured motorist 2146
3180	3180	coverage lower than her or his bodily injury liability limits, 2147
3181	3181	higher limits of uninsured motorist coverage need not be 2148
3182	3182	provided in or supplemental to any other policy that which 2149
3183	3183	renews, extends, changes, supersedes, or replaces an existing 2150
3184	3184
3185	3185	HB 1525 2022
3186	3186
3187	3187
3188	3188
3189	3189	CODING: Words stricken are deletions; words underlined are additions.
3190	3190	hb1525-00
3191	3191	Page 87 of 131
3192	3192	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
3193	3193
3194	3194
3195	3195
3196	3196	policy with the same bodily injury liability limits unless an 2151
3197	3197	insured requests higher uninsured motorist coverage in writing. 2152
3198	3198	The rejection or selection of lower limits must shall be made on 2153
3199	3199	a form approved by the office. The form must shall fully advise 2154
3200	3200	the applicant of the nature of the coverage and must shall state 2155
3201	3201	that the coverage is equal to bodily injury liability limits 2156
3202	3202	unless lower limits are requested or the coverage is rejected. 2157
3203	3203	The heading of the form must shall be in 12-point bold type and 2158
3204	3204	must shall state: "You are electing not to purchase certain 2159
3205	3205	valuable coverage that which protects you and your family or you 2160
3206	3206	are purchasing uninsured motorist limits less than your bodily 2161
3207	3207	injury liability limits when you sign this form. Please read 2162
3208	3208	carefully." If this form is signed by a named insured, it will 2163
3209	3209	be conclusively presumed that there was an informed, knowing 2164
3210	3210	rejection of coverage or election of lower limits on behalf of 2165
3211	3211	all insureds. The insurer shall notify the named insured at 2166
3212	3212	least annually of her or his options as to the coverage required 2167
3213	3213	by this section. Such notice must shall be part of, and attached 2168
3214	3214	to, the notice of premium, must shall provide for a means to 2169
3215	3215	allow the insured to request such coverage, and must shall be 2170
3216	3216	given in a manner approved by the office. Receipt of this notice 2171
3217	3217	does not constitute an affirmative waiver of the insured's right 2172
3218	3218	to uninsured motorist coverage if where the insured has not 2173
3219	3219	signed a selection or rej ection form. The coverage described 2174
3220	3220	under this section must shall be over and above, but may shall 2175
3221	3221
3222	3222	HB 1525 2022
3223	3223
3224	3224
3225	3225
3226	3226	CODING: Words stricken are deletions; words underlined are additions.
3227	3227	hb1525-00
3228	3228	Page 88 of 131
3229	3229	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
3230	3230
3231	3231
3232	3232
3233	3233	not duplicate, the benefits available to an insured under any 2176
3234	3234	workers' compensation law, personal injury protection benefits, 2177
3235	3235	disability benefits law, or similar law; under any automobile 2178
3236	3236	medical payments expense coverage; under any motor vehicle 2179
3237	3237	liability insurance coverage; or from the owner or operator of 2180
3238	3238	the uninsured motor vehicle or any other person or organization 2181
3239	3239	jointly or severally liable together with such owner or operator 2182
3240	3240	for the accident,; and such coverage must shall cover the 2183
3241	3241	difference, if any, between the sum of such benefits and the 2184
3242	3242	damages sustained, up to the maximum amount of such coverage 2185
3243	3243	provided under this section. The amount of coverage available 2186
3244	3244	under this section may shall not be reduced by a setoff against 2187
3245	3245	any coverage, including liability insurance. Such coverage does 2188
3246	3246	shall not inure directly or indirectly to the benefit of any 2189
3247	3247	workers' compensation o r disability benefits carrier or any 2190
3248	3248	person or organization qualifying as a self -insurer under any 2191
3249	3249	workers' compensation or disability benefits law or similar law. 2192
3250	3250	(7) The legal liability of an uninsured motorist coverage 2193
3251	3251	insurer includes does not include damages in tort for pain, 2194
3252	3252	suffering, disability, physical impairment, disfigurement, 2195
3253	3253	mental anguish, and inconvenience, and the loss of capacity for 2196
3254	3254	the enjoyment of life experienced in the past and to be 2197
3255	3255	experienced in the future unless the injury or di sease is 2198
3256	3256	described in one or more of paragraphs (a) -(d) of s. 627.737(2) . 2199
3257	3257	Section 45. Section 627.7275, Florida Statutes, is amended 2200
3258	3258
3259	3259	HB 1525 2022
3260	3260
3261	3261
3262	3262
3263	3263	CODING: Words stricken are deletions; words underlined are additions.
3264	3264	hb1525-00
3265	3265	Page 89 of 131
3266	3266	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
3267	3267
3268	3268
3269	3269
3270	3270	to read: 2201
3271	3271	627.7275 Required coverages in motor vehicle insurance 2202
3272	3272	policies; availability to certain applicants liability.— 2203
3273	3273	(1) A motor vehicle insurance policy providing personal 2204
3274	3274	injury protection as set forth in s. 627.736 may not be 2205
3275	3275	delivered or issued for delivery in this state for a with 2206
3276	3276	respect to any specifically insured or identified motor vehicle 2207
3277	3277	registered or principally garaged in this state must provide 2208
3278	3278	bodily injury liability coverage and unless the policy also 2209
3279	3279	provides coverage for property damage liability coverage as 2210
3280	3280	required under ss. 324.022 and 324.151 and the death benefit 2211
3281	3281	coverage as required under s. 627.72761 by s. 324.022. 2212
3282	3282	(2)(a) Insurers writing motor vehicle insurance in this 2213
3283	3283	state shall make available, subject to the insurers' usual 2214
3284	3284	underwriting restrictions: 2215
3285	3285	1. Coverage under policies as described in subsection (1) 2216
3286	3286	to an applicant for private passenger motor vehicle insurance 2217
3287	3287	coverage who is seeking the coverage in order to reinstate the 2218
3288	3288	applicant's driving privileges in this state if the driving 2219
3289	3289	privileges were revoked or suspended pursuant to s. 316.646 or 2220
3290	3290	s. 324.0221 due to the failure of t he applicant to maintain 2221
3291	3291	required security. 2222
3292	3292	2. Coverage under policies as described in subsection (1), 2223
3293	3293	which includes bodily injury also provides liability coverage 2224
3294	3294	and property damage liability coverage, for bodily injury, 2225
3295	3295
3296	3296	HB 1525 2022
3297	3297
3298	3298
3299	3299
3300	3300	CODING: Words stricken are deletions; words underlined are additions.
3301	3301	hb1525-00
3302	3302	Page 90 of 131
3303	3303	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
3304	3304
3305	3305
3306	3306
3307	3307	death, and property damage ari sing out of the ownership, 2226
3308	3308	maintenance, or use of the motor vehicle in an amount not less 2227
3309	3309	than the minimum limits required under described in s. 2228
3310	3310	324.021(7) or s. 324.023 and which conforms to the requirements 2229
3311	3311	of s. 324.151, to an applicant for private pass enger motor 2230
3312	3312	vehicle insurance coverage who is seeking the coverage in order 2231
3313	3313	to reinstate the applicant's driving privileges in this state 2232
3314	3314	after such privileges were revoked or suspended under s. 316.193 2233
3315	3315	or s. 322.26(2) for driving under the influence. 2234
3316	3316	(b) The policies described in paragraph (a) must shall be 2235
3317	3317	issued for at least 6 months and, as to the minimum coverages 2236
3318	3318	required under this section, may not be canceled by the insured 2237
3319	3319	for any reason or by the insurer after 60 days, during which 2238
3320	3320	period the insurer is completing the underwriting of the policy. 2239
3321	3321	After the insurer has completed underwriting the policy, the 2240
3322	3322	insurer shall notify the Department of Highway Safety and Motor 2241
3323	3323	Vehicles that the policy is in full force and effect and is not 2242
3324	3324	cancelable for the remainder of the policy period. A premium 2243
3325	3325	must shall be collected and the coverage is in effect for the 2244
3326	3326	60-day period during which the insurer is completing the 2245
3327	3327	underwriting of the policy , whether or not the person's driver 2246
3328	3328	license, motor vehicle tag, and motor vehicle registration are 2247
3329	3329	in effect. Once the noncancelable provisions of the policy 2248
3330	3330	become effective, the bodily injury liability and property 2249
3331	3331	damage liability coverages for bodily injury, property damage, 2250
3332	3332
3333	3333	HB 1525 2022
3334	3334
3335	3335
3336	3336
3337	3337	CODING: Words stricken are deletions; words underlined are additions.
3338	3338	hb1525-00
3339	3339	Page 91 of 131
3340	3340	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
3341	3341
3342	3342
3343	3343
3344	3344	and personal injury protection may not be reduced below the 2251
3345	3345	minimum limits required under s. 324.021 or s. 324.023 during 2252
3346	3346	the policy period. 2253
3347	3347	(c) This subsection controls to the extent of any conflict 2254
3348	3348	with any other section. 2255
3349	3349	(d) An insurer issuing a policy subject to this section 2256
3350	3350	may cancel the policy if, during the policy term, the named 2257
3351	3351	insured, or any other operator who resides in the same household 2258
3352	3352	or customarily operates an automobile insured under the policy, 2259
3353	3353	has his or her driver license suspended or revoked. 2260
3354	3354	(e) This subsection does not require an insurer to offer a 2261
3355	3355	policy of insurance to an applicant if such offer would be 2262
3356	3356	inconsistent with the insurer's underwriting guidelines and 2263
3357	3357	procedures. 2264
3358	3358	Section 46. Section 627 .72761, Florida Statutes, is 2265
3359	3359	created to read: 2266
3360	3360	627.72761 Required motor vehicle death benefit coverage. —2267
3361	3361	An insurance policy complying with the financial responsibility 2268
3362	3362	requirements of s. 324.022 must provide a death benefit of 2269
3363	3363	$5,000 for each deceased per son upon the death of the named 2270
3364	3364	insured, relatives residing in the same household, persons 2271
3365	3365	operating the insured motor vehicle, passengers in the motor 2272
3366	3366	vehicle, and other persons struck by the motor vehicle and 2273
3367	3367	suffering bodily injury while not an occupant of a self-2274
3368	3368	propelled motor vehicle when such death arises out of the 2275
3369	3369
3370	3370	HB 1525 2022
3371	3371
3372	3372
3373	3373
3374	3374	CODING: Words stricken are deletions; words underlined are additions.
3375	3375	hb1525-00
3376	3376	Page 92 of 131
3377	3377	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
3378	3378
3379	3379
3380	3380
3381	3381	ownership, maintenance, or use of a motor vehicle. The insurer 2276
3382	3382	may pay death benefits to the executor or administrator of the 2277
3383	3383	deceased person; to any of the deceased person's relatives by 2278
3384	3384	blood, legal adoption, or marriage; or to any person appearing 2279
3385	3385	to the insurer to be equitably entitled to such benefits. The 2280
3386	3386	benefit may not be paid if the deceased person died as a result 2281
3387	3387	of causing injury or death to himself or herself intentionally, 2282
3388	3388	or because of injuries or death incurred while committing a 2283
3389	3389	felony. 2284
3390	3390	Section 47. Effective upon this act becoming a law, 2285
3391	3391	section 627.7278, Florida Statutes, is created to read: 2286
3392	3392	627.7278 Applicability and construction; notice to 2287
3393	3393	policyholders.— 2288
3394	3394	(1) As used in this section, the term "minimum security 2289
3395	3395	requirements" means security that enables a person to respond in 2290
3396	3396	damages for liability on account of crashes arising out of the 2291
3397	3397	ownership, maintenance, or use of a motor vehicle, in the 2292
3398	3398	amounts required by s . 324.021(7). 2293
3399	3399	(2) Effective July 1, 2023: 2294
3400	3400	(a) Motor vehicle insurance policies issued or renewed on 2295
3401	3401	or after July 1, 2023, may not include personal injury 2296
3402	3402	protection. 2297
3403	3403	(b) All persons subject to s. 324.022, s. 324.032, s. 2298
3404	3404	627.7415, or s. 627.742 must maintain at least minimum security 2299
3405	3405	requirements. 2300
3406	3406
3407	3407	HB 1525 2022
3408	3408
3409	3409
3410	3410
3411	3411	CODING: Words stricken are deletions; words underlined are additions.
3412	3412	hb1525-00
3413	3413	Page 93 of 131
3414	3414	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
3415	3415
3416	3416
3417	3417
3418	3418	(c) Any new or renewal motor vehicle insurance policy 2301
3419	3419	delivered or issued for delivery in the state must provide 2302
3420	3420	coverage that complies with minimum security requirements and 2303
3421	3421	provides the death benefit set forth in s. 627.72761. 2304
3422	3422	(d) An existing motor vehicle insurance policy issued 2305
3423	3423	before July 1, 2023, which provides personal injury protection 2306
3424	3424	and property damage liability coverage that meets the 2307
3425	3425	requirements of s. 324.022 on June 30, 2023, but that does not 2308
3426	3426	meet minimum security requirements on or after July 1, 2023, is 2309
3427	3427	deemed to meet minimum security requirements until such policy 2310
3428	3428	is renewed, nonrenewed, or canceled on or after July 1, 2023. 2311
3429	3429	Sections 400.9905, 400.991, 456.057, 456.072, 626.9541(1)(i), 2312
3430	3430	627.7263, 627.727, 627.730 -627.7405, 627.748, and 817.234, 2313
3431	3431	Florida Statutes 2020, remain in full force and effect for motor 2314
3432	3432	vehicle accidents covered under a policy issued under the 2315
3433	3433	Florida Motor Vehicle No -Fault Law before July 1, 2023, until 2316
3434	3434	the policy is renewed, nonrenewed, or canceled on or after July 2317
3435	3435	1, 2023. 2318
3436	3436	(3) Each insurer shall allow each insured who has a new or 2319
3437	3437	renewal policy providing personal injury protection which 2320
3438	3438	becomes effective before July 1, 2023, and whose policy does not 2321
3439	3439	meet minimum security requirements on or after July 1, 2023, to 2322
3440	3440	change coverages so as to eliminate personal injury protection 2323
3441	3441	and obtain coverage providing minimum security requirements and 2324
3442	3442	the death benefit set forth in s. 627.72761, which shall be 2325
3443	3443
3444	3444	HB 1525 2022
3445	3445
3446	3446
3447	3447
3448	3448	CODING: Words stricken are deletions; words underlined are additions.
3449	3449	hb1525-00
3450	3450	Page 94 of 131
3451	3451	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
3452	3452
3453	3453
3454	3454
3455	3455	effective on or after July 1, 2023. The insurer is not required 2326
3456	3456	to provide coverage complying with minimum security requirements 2327
3457	3457	and the death benefit set forth in s. 627.72761 in such policies 2328
3458	3458	if the insured does not pay the required premium, if any, by 2329
3459	3459	July 1, 2023, or such later date as the insurer may allow. The 2330
3460	3460	insurer shall also offer each insured medical payments coverage 2331
3461	3461	under s. 627.7265. Any reduction in the premium must be refunded 2332
3462	3462	by the insurer. The insurer may not impose on the insured an 2333
3463	3463	additional fee or cha rge that applies solely to a change in 2334
3464	3464	coverage; however, the insurer may charge an additional required 2335
3465	3465	premium that is actuarially indicated. 2336
3466	3466	(4) By April 1, 2023, each motor vehicle insurer shall 2337
3467	3467	provide notice of this section to each motor vehicle 2338
3468	3468	policyholder who is subject to this section. The notice is 2339
3469	3469	subject to approval by the office and must clearly inform the 2340
3470	3470	policyholder that: 2341
3471	3471	(a) The Florida Motor Vehicle No -Fault Law is repealed 2342
3472	3472	effective July 1, 2023, and that on or after that date, the 2343
3473	3473	insured is no longer required to maintain personal injury 2344
3474	3474	protection insurance coverage, that personal injury protection 2345
3475	3475	coverage is no longer available for purchase in the state, and 2346
3476	3476	that all new or renewal policies issued on or after that date 2347
3477	3477	will not contain that coverage. 2348
3478	3478	(b) Effective July 1, 2023, a person subject to the 2349
3479	3479	financial responsibility requirements of s. 324.022 must: 2350
3480	3480
3481	3481	HB 1525 2022
3482	3482
3483	3483
3484	3484
3485	3485	CODING: Words stricken are deletions; words underlined are additions.
3486	3486	hb1525-00
3487	3487	Page 95 of 131
3488	3488	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
3489	3489
3490	3490
3491	3491
3492	3492	1. Maintain minimum security requirements that enable the 2351
3493	3493	person to respond to damages for liability on account of 2352
3494	3494	accidents arising out of the use of a motor vehicle in the 2353
3495	3495	following amounts: 2354
3496	3496	a. Twenty-five thousand dollars for bodily injury to, or 2355
3497	3497	the death of, one person in any one crash and, subject to such 2356
3498	3498	limits for one person, in the amount of $50,000 for bodily 2357
3499	3499	injury to, or the death of, two or more persons in any one 2358
3500	3500	crash; and 2359
3501	3501	b. Ten thousand dollars for damage to, or destruction of, 2360
3502	3502	the property of others in any one crash. 2361
3503	3503	2. Purchase a death benefit under s. 627.72761 providing 2362
3504	3504	coverage in the amount of $5,0 00 per deceased individual upon 2363
3505	3505	the death of the named insured, relatives residing in the same 2364
3506	3506	household, persons operating the insured motor vehicle, 2365
3507	3507	passengers in the motor vehicle, and other persons struck by the 2366
3508	3508	motor vehicle and suffering bodily injur y while not an occupant 2367
3509	3509	of a self-propelled motor vehicle, when such death arises out of 2368
3510	3510	the ownership, maintenance, or use of a motor vehicle. 2369
3511	3511	(c) Bodily injury liability coverage protects the insured, 2370
3512	3512	up to the coverage limits, against loss if the insu red is 2371
3513	3513	legally responsible for the death of or bodily injury to others 2372
3514	3514	in a motor vehicle accident. 2373
3515	3515	(d) Effective July 1, 2023, each policyholder of motor 2374
3516	3516	vehicle liability insurance purchased as proof of financial 2375
3517	3517
3518	3518	HB 1525 2022
3519	3519
3520	3520
3521	3521
3522	3522	CODING: Words stricken are deletions; words underlined are additions.
3523	3523	hb1525-00
3524	3524	Page 96 of 131
3525	3525	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
3526	3526
3527	3527
3528	3528
3529	3529	responsibility must be offered medical payments coverage 2376
3530	3530	benefits that comply with s. 627.7265. The insurer must offer 2377
3531	3531	medical payments coverage at limits of $5,000 and $10,000 2378
3532	3532	without a deductible. The insurer may also offer medical 2379
3533	3533	payments coverage at other limits greater than $5,000 and may 2380
3534	3534	offer coverage with a deductible of up to $500. Medical payments 2381
3535	3535	coverage pays covered medical expenses incurred due to bodily 2382
3536	3536	injury, sickness, or disease arising out of the ownership, 2383
3537	3537	maintenance, or use of the motor vehicle, up to the limits of 2384
3538	3538	such coverage, for injuries sustained in a motor vehicle crash 2385
3539	3539	by the named insured, resident relatives, any persons operating 2386
3540	3540	the insured motor vehicle, passengers in the insured motor 2387
3541	3541	vehicle, and persons who are struck by the insured motor vehicle 2388
3542	3542	and suffer bodily injury while not an occupant of a self -2389
3543	3543	propelled motor vehicle as provided in s. 627.7265. 2390
3544	3544	(e) The policyholder may obtain uninsured and underinsured 2391
3545	3545	motorist coverage that provides benefits, up to the limits of 2392
3546	3546	such coverage, to a policyholder or other insured entitled to 2393
3547	3547	recover damages for bodily injury, sickness, disease, or death 2394
3548	3548	resulting from a motor vehicle accident with an uninsured or 2395
3549	3549	underinsured owner or operator of a motor vehicle. 2396
3550	3550	(f) If the policyholder's new or renewal motor vehicl e 2397
3551	3551	insurance policy is effective before July 1, 2023, and contains 2398
3552	3552	personal injury protection and property damage liability 2399
3553	3553	coverage as required by state law before July 1, 2023, but does 2400
3554	3554
3555	3555	HB 1525 2022
3556	3556
3557	3557
3558	3558
3559	3559	CODING: Words stricken are deletions; words underlined are additions.
3560	3560	hb1525-00
3561	3561	Page 97 of 131
3562	3562	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
3563	3563
3564	3564
3565	3565
3566	3566	not meet minimum security requirements on or after July 1, 2023, 2401
3567	3567	the policy is deemed to meet minimum security requirements and 2402
3568	3568	need not provide the death benefit set forth in s. 627.72761 2403
3569	3569	until it is renewed, nonrenewed, or canceled on or after July 1, 2404
3570	3570	2023. 2405
3571	3571	(g) A policyholder whose new or renewal policy becomes 2406
3572	3572	effective before July 1, 2023, but does not meet minimum 2407
3573	3573	security requirements on or after July 1, 2023, may change 2408
3574	3574	coverages under the policy so as to eliminate personal injury 2409
3575	3575	protection and to obtain coverage providing minimum security 2410
3576	3576	requirements, including b odily injury liability coverage and the 2411
3577	3577	death benefit set forth in s. 627.72761, which are effective on 2412
3578	3578	or after July 1, 2023. 2413
3579	3579	(h) If the policyholder has any questions, he or she 2414
3580	3580	should contact the person named at the telephone number provided 2415
3581	3581	in the notice. 2416
3582	3582	Section 48. Paragraph (a) of subsection (1) of section 2417
3583	3583	627.728, Florida Statutes, is amended to read: 2418
3584	3584	627.728 Cancellations; nonrenewals. — 2419
3585	3585	(1) As used in this section, the term: 2420
3586	3586	(a) "Policy" means the bodily injury and property damage 2421
3587	3587	liability, personal injury protection, medical payments, death 2422
3588	3588	benefit, comprehensive, collision, and uninsured motorist 2423
3589	3589	coverage portions of a policy of motor vehicle insurance 2424
3590	3590	delivered or issued for delivery in this state: 2425
3591	3591
3592	3592	HB 1525 2022
3593	3593
3594	3594
3595	3595
3596	3596	CODING: Words stricken are deletions; words underlined are additions.
3597	3597	hb1525-00
3598	3598	Page 98 of 131
3599	3599	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
3600	3600
3601	3601
3602	3602
3603	3603	1. Insuring a natural person as n amed insured or one or 2426
3604	3604	more related individuals who are residents resident of the same 2427
3605	3605	household; and 2428
3606	3606	2. Insuring only a motor vehicle of the private passenger 2429
3607	3607	type or station wagon type which is not used as a public or 2430
3608	3608	livery conveyance for passengers o r rented to others; or 2431
3609	3609	insuring any other four -wheel motor vehicle having a load 2432
3610	3610	capacity of 1,500 pounds or less which is not used in the 2433
3611	3611	occupation, profession, or business of the insured other than 2434
3612	3612	farming; other than any policy issued under an automobi le 2435
3613	3613	insurance assigned risk plan or covering garage, automobile 2436
3614	3614	sales agency, repair shop, service station, or public parking 2437
3615	3615	place operation hazards. 2438
3616	3616	2439
3617	3617	The term "policy" does not include a binder as defined in s. 2440
3618	3618	627.420 unless the duration of the binder pe riod exceeds 60 2441
3619	3619	days. 2442
3620	3620	Section 49. Subsection (1), paragraph (a) of subsection 2443
3621	3621	(5), and subsections (6) and (7) of section 627.7295, Florida 2444
3622	3622	Statutes, are amended to read: 2445
3623	3623	627.7295 Motor vehicle insurance contracts. — 2446
3624	3624	(1) As used in this section, the term: 2447
3625	3625	(a) "Policy" means a motor vehicle insurance policy that 2448
3626	3626	provides death benefit coverage under s. 627.72761, bodily 2449
3627	3627	injury liability personal injury protection coverage, and, 2450
3628	3628
3629	3629	HB 1525 2022
3630	3630
3631	3631
3632	3632
3633	3633	CODING: Words stricken are deletions; words underlined are additions.
3634	3634	hb1525-00
3635	3635	Page 99 of 131
3636	3636	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
3637	3637
3638	3638
3639	3639
3640	3640	property damage liability coverage , or both. 2451
3641	3641	(b) "Binder" means a binder that provides motor vehicle 2452
3642	3642	death benefit coverage under s. 627.72761, bodily injury 2453
3643	3643	liability coverage, personal injury protection and property 2454
3644	3644	damage liability coverage. 2455
3645	3645	(5)(a) A licensed general lines agent may charge a pe r-2456
3646	3646	policy fee of up to not to exceed $10 to cover the 2457
3647	3647	administrative costs of the agent associated with selling the 2458
3648	3648	motor vehicle insurance policy if the policy provides covers 2459
3649	3649	only the death benefit coverage under s. 627.72761, bodily 2460
3650	3650	injury liability cove rage, personal injury protection coverage 2461
3651	3651	as provided by s. 627.736 and property damage liability coverage 2462
3652	3652	under as provided by s. 627.7275 and if no other insurance is 2463
3653	3653	sold or issued in conjunction with or collateral to the policy. 2464
3654	3654	The fee is not considered part of the premium. 2465
3655	3655	(6) If a motor vehicle owner's driver license, license 2466
3656	3656	plate, and registration have previously been suspended pursuant 2467
3657	3657	to s. 316.646 or s. 627.733, an insurer may cancel a new policy 2468
3658	3658	only as provided in s. 627.7275. 2469
3659	3659	(7) A policy of private passenger motor vehicle insurance 2470
3660	3660	or a binder for such a policy may be initially issued in this 2471
3661	3661	state only if, before the effective date of such binder or 2472
3662	3662	policy, the insurer or agent has collected from the insured an 2473
3663	3663	amount equal to at least 1 month's premium. An insurer, agent, 2474
3664	3664	or premium finance company may not, directly or indirectly, take 2475
3665	3665
3666	3666	HB 1525 2022
3667	3667
3668	3668
3669	3669
3670	3670	CODING: Words stricken are deletions; words underlined are additions.
3671	3671	hb1525-00
3672	3672	Page 100 of 131
3673	3673	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
3674	3674
3675	3675
3676	3676
3677	3677	any action that results resulting in the insured paying having 2476
3678	3678	paid from the insured's own funds an amount less than the 1 2477
3679	3679	month's premium require d by this subsection. This subsection 2478
3680	3680	applies without regard to whether the premium is financed by a 2479
3681	3681	premium finance company or is paid pursuant to a periodic 2480
3682	3682	payment plan of an insurer or an insurance agent. 2481
3683	3683	(a) This subsection does not apply : 2482
3684	3684	1. If an insured or member of the insured's family is 2483
3685	3685	renewing or replacing a policy or a binder for such policy 2484
3686	3686	written by the same insurer or a member of the same insurer 2485
3687	3687	group. This subsection does not apply 2486
3688	3688	2. To an insurer that issues private passenger mot or 2487
3689	3689	vehicle coverage primarily to active duty or former military 2488
3690	3690	personnel or their dependents. This subsection does not apply 2489
3691	3691	3. If all policy payments are paid pursuant to a payroll 2490
3692	3692	deduction plan, an automatic electronic funds transfer payment 2491
3693	3693	plan from the policyholder, or a recurring credit card or debit 2492
3694	3694	card agreement with the insurer. 2493
3695	3695	(b) This subsection and subsection (4) do not apply if : 2494
3696	3696	1. All policy payments to an insurer are paid pursuant to 2495
3697	3697	an automatic electronic funds transfer payment pl an from an 2496
3698	3698	agent, a managing general agent, or a premium finance company 2497
3699	3699	and if the policy includes, at a minimum, the death benefit 2498
3700	3700	coverage under s. 627.72761, bodily injury liability coverage, 2499
3701	3701	and personal injury protection pursuant to ss. 627.730 -627.7405; 2500
3702	3702
3703	3703	HB 1525 2022
3704	3704
3705	3705
3706	3706
3707	3707	CODING: Words stricken are deletions; words underlined are additions.
3708	3708	hb1525-00
3709	3709	Page 101 of 131
3710	3710	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
3711	3711
3712	3712
3713	3713
3714	3714	motor vehicle property damage liability coverage under pursuant 2501
3715	3715	to s. 627.7275; or and bodily injury liability in at least the 2502
3716	3716	amount of $10,000 because of bodily injury to, or death of, one 2503
3717	3717	person in any one accident and in the amount of $20,000 beca use 2504
3718	3718	of bodily injury to, or death of, two or more persons in any one 2505
3719	3719	accident. This subsection and subsection (4) do not apply if 2506
3720	3720	2. An insured has had a policy in effect for at least 6 2507
3721	3721	months, the insured's agent is terminated by the insurer that 2508
3722	3722	issued the policy, and the insured obtains coverage on the 2509
3723	3723	policy's renewal date with a new company through the terminated 2510
3724	3724	agent. 2511
3725	3725	Section 50. Section 627.7415, Florida Statutes, is amended 2512
3726	3726	to read: 2513
3727	3727	627.7415 Commercial motor vehicles; additional liability 2514
3728	3728	insurance coverage.—Beginning July 1, 2023, commercial motor 2515
3729	3729	vehicles, as defined in s. 207.002 or s. 320.01, operated upon 2516
3730	3730	the roads and highways of this state must shall be insured with 2517
3731	3731	the following minimum levels of combined bodily liability 2518
3732	3732	insurance and property damage liability insurance in addition to 2519
3733	3733	any other insurance requirements: 2520
3734	3734	(1) Sixty Fifty thousand dollars per occurrence for a 2521
3735	3735	commercial motor vehicle with a gross vehicle weight of 26,000 2522
3736	3736	pounds or more, but less than 35,000 pounds. 2523
3737	3737	(2) One hundred twenty thousand dollars per occurrence for 2524
3738	3738	a commercial motor vehicle with a gross vehicle weight of 35,000 2525
3739	3739
3740	3740	HB 1525 2022
3741	3741
3742	3742
3743	3743
3744	3744	CODING: Words stricken are deletions; words underlined are additions.
3745	3745	hb1525-00
3746	3746	Page 102 of 131
3747	3747	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
3748	3748
3749	3749
3750	3750
3751	3751	pounds or more, but less than 44,000 pounds. 2526
3752	3752	(3) Three hundred thousand dollars per occurrence for a 2527
3753	3753	commercial motor vehicle with a gross vehicle weight of 44,000 2528
3754	3754	pounds or more. 2529
3755	3755	(4) All commercial motor vehicles subject to regulations 2530
3756	3756	of the United States Department of Transportation, 49 C.F.R. 2531
3757	3757	part 387, subpart A, and as may be hereinafter amended, shall be 2532
3758	3758	insured in an amount eq uivalent to the minimum levels of 2533
3759	3759	financial responsibility as set forth in such regulations. 2534
3760	3760	2535
3761	3761	A violation of this section is a noncriminal traffic infraction, 2536
3762	3762	punishable as a nonmoving violation as provided in chapter 318. 2537
3763	3763	Section 51. Paragraphs (b) th rough (e) of subsection (1) 2538
3764	3764	of section 627.747, Florida Statutes, are redesignated as 2539
3765	3765	paragraphs (a) through (d), respectively, and present paragraph 2540
3766	3766	(a) of subsection (1) and subsection (3) of that section are 2541
3767	3767	amended, to read: 2542
3768	3768	627.747 Named driver excl usion.— 2543
3769	3769	(1) A private passenger motor vehicle policy may exclude 2544
3770	3770	the following coverages for all claims or suits resulting from 2545
3771	3771	the operation of a motor vehicle by an identified individual who 2546
3772	3772	is not a named insured, provided the identified individual is 2547
3773	3773	named on the declarations page or by endorsement and the named 2548
3774	3774	insured consents in writing to such exclusion: 2549
3775	3775	(a) Notwithstanding the Florida Motor Vehicle No -Fault 2550
3776	3776
3777	3777	HB 1525 2022
3778	3778
3779	3779
3780	3780
3781	3781	CODING: Words stricken are deletions; words underlined are additions.
3782	3782	hb1525-00
3783	3783	Page 103 of 131
3784	3784	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
3785	3785
3786	3786
3787	3787
3788	3788	Law, the personal injury protection coverage specifically 2551
3789	3789	applicable to the identified i ndividual's injuries, lost wages, 2552
3790	3790	and death benefits. 2553
3791	3791	(3) A driver excluded pursuant to this section must : 2554
3792	3792	(a) establish, maintain, and show proof of financial 2555
3793	3793	ability to respond for damages arising out of the ownership, 2556
3794	3794	maintenance, or use of a motor vehicle as required by chapter 2557
3795	3795	324; and 2558
3796	3796	(b) Maintain security as required by s. 627.733 . 2559
3797	3797	Section 52. Paragraphs (b), (c), and (g) of subsection 2560
3798	3798	(7), paragraphs (a) and (b) of subsection (8), and paragraph (b) 2561
3799	3799	of subsection (16) of section 627.748, Fl orida Statutes, are 2562
3800	3800	amended to read: 2563
3801	3801	627.748 Transportation network companies. — 2564
3802	3802	(7) TRANSPORTATION NETWORK COMPANY AND TNC DRIVER 2565
3803	3803	INSURANCE REQUIREMENTS. — 2566
3804	3804	(b) The following automobile insurance requirements apply 2567
3805	3805	while a participating TNC driver is logged on to the digital 2568
3806	3806	network but is not engaged in a prearranged ride: 2569
3807	3807	1. Automobile insurance that provides: 2570
3808	3808	a. A primary automobile liability coverage of at least 2571
3809	3809	$50,000 for death and bodily injury per person, $100,000 for 2572
3810	3810	death and bodily injur y per incident, and $25,000 for property 2573
3811	3811	damage; and 2574
3812	3812	b. Personal injury protection benefits that meet the 2575
3813	3813
3814	3814	HB 1525 2022
3815	3815
3816	3816
3817	3817
3818	3818	CODING: Words stricken are deletions; words underlined are additions.
3819	3819	hb1525-00
3820	3820	Page 104 of 131
3821	3821	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
3822	3822
3823	3823
3824	3824
3825	3825	minimum coverage amounts required under ss. 627.730 -627.7405; 2576
3826	3826	and 2577
3827	3827	b.c. Uninsured and underinsured vehicle coverage as 2578
3828	3828	required by s. 627.727. 2579
3829	3829	2. The coverage requirements of this paragraph may be 2580
3830	3830	satisfied by any of the following: 2581
3831	3831	a. Automobile insurance maintained by the TNC driver or 2582
3832	3832	the TNC vehicle owner; 2583
3833	3833	b. Automobile insurance maintained by the TNC; or 2584
3834	3834	c. A combination of sub -subparagraphs a. and b. 2585
3835	3835	(c) The following automobile insurance requirements apply 2586
3836	3836	while a TNC driver is engaged in a prearranged ride: 2587
3837	3837	1. Automobile insurance that provides: 2588
3838	3838	a. A primary automobile liability coverage of at least $1 2589
3839	3839	million for death, bodily in jury, and property damage; and 2590
3840	3840	b. Personal injury protection benefits that meet the 2591
3841	3841	minimum coverage amounts required of a limousine under ss. 2592
3842	3842	627.730-627.7405; and 2593
3843	3843	b.c. Uninsured and underinsured vehicle coverage as 2594
3844	3844	required by s. 627.727. 2595
3845	3845	2. The coverage requirements of this paragraph may be 2596
3846	3846	satisfied by any of the following: 2597
3847	3847	a. Automobile insurance maintained by the TNC driver or 2598
3848	3848	the TNC vehicle owner; 2599
3849	3849	b. Automobile insurance maintained by the TNC; or 2600
3850	3850
3851	3851	HB 1525 2022
3852	3852
3853	3853
3854	3854
3855	3855	CODING: Words stricken are deletions; words underlined are additions.
3856	3856	hb1525-00
3857	3857	Page 105 of 131
3858	3858	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
3859	3859
3860	3860
3861	3861
3862	3862	c. A combination of sub -subparagraphs a. and b. 2601
3863	3863	(g) Insurance satisfying the requirements under this 2602
3864	3864	subsection is deemed to satisfy the financial responsibility 2603
3865	3865	requirement for a motor vehicle under chapter 324 and the 2604
3866	3866	security required under s. 627.733 for any period when the TNC 2605
3867	3867	driver is logged onto the digital network or engaged in a 2606
3868	3868	prearranged ride. 2607
3869	3869	(8) TRANSPORTATION NETWORK COMPANY AND INSURER; 2608
3870	3870	DISCLOSURE; EXCLUSIONS. — 2609
3871	3871	(a) Before a TNC driver is allowed to accept a request for 2610
3872	3872	a prearranged ride on the digital network, the TNC mus t disclose 2611
3873	3873	in writing to the TNC driver: 2612
3874	3874	1. The insurance coverage, including the types of coverage 2613
3875	3875	and the limits for each coverage, which the TNC provides while 2614
3876	3876	the TNC driver uses a TNC vehicle in connection with the TNC's 2615
3877	3877	digital network. 2616
3878	3878	2. That the TNC driver's own automobile insurance policy 2617
3879	3879	might not provide any coverage while the TNC driver is logged on 2618
3880	3880	to the digital network or is engaged in a prearranged ride, 2619
3881	3881	depending on the terms of the TNC driver's own automobile 2620
3882	3882	insurance policy. 2621
3883	3883	3. That the provision of rides for compensation which are 2622
3884	3884	not prearranged rides subjects the driver to the coverage 2623
3885	3885	requirements imposed under s. 324.032(1) and (2) and that 2624
3886	3886	failure to meet such coverage requirements subjects the TNC 2625
3887	3887
3888	3888	HB 1525 2022
3889	3889
3890	3890
3891	3891
3892	3892	CODING: Words stricken are deletions; words underlined are additions.
3893	3893	hb1525-00
3894	3894	Page 106 of 131
3895	3895	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
3896	3896
3897	3897
3898	3898
3899	3899	driver to penalties provide d in s. 324.221, up to and including 2626
3900	3900	a misdemeanor of the second degree. 2627
3901	3901	(b)1. An insurer that provides an automobile liability 2628
3902	3902	insurance policy under this part may exclude any and all 2629
3903	3903	coverage afforded under the policy issued to an owner or 2630
3904	3904	operator of a TNC vehicle while driving that vehicle for any 2631
3905	3905	loss or injury that occurs while a TNC driver is logged on to a 2632
3906	3906	digital network or while a TNC driver provides a prearranged 2633
3907	3907	ride. Exclusions imposed under this subsection are limited to 2634
3908	3908	coverage while a TNC driver is logged on to a digital network or 2635
3909	3909	while a TNC driver provides a prearranged ride. This right to 2636
3910	3910	exclude all coverage may apply to any coverage included in an 2637
3911	3911	automobile insurance policy, including, but not limited to: 2638
3912	3912	a. Liability coverage for bodily injury and property 2639
3913	3913	damage; 2640
3914	3914	b. Uninsured and underinsured motorist coverage; 2641
3915	3915	c. Medical payments coverage; 2642
3916	3916	d. Comprehensive physical damage coverage; 2643
3917	3917	e. Collision physical damage coverage; and 2644
3918	3918	f. Death benefit coverage under s. 627.72761 Personal 2645
3919	3919	injury protection. 2646
3920	3920	2. The exclusions described in subparagraph 1. apply 2647
3921	3921	notwithstanding any requirement under chapter 324. These 2648
3922	3922	exclusions do not affect or diminish coverage otherwise 2649
3923	3923	available for permissive drivers or resident relatives under the 2650
3924	3924
3925	3925	HB 1525 2022
3926	3926
3927	3927
3928	3928
3929	3929	CODING: Words stricken are deletions; words underlined are additions.
3930	3930	hb1525-00
3931	3931	Page 107 of 131
3932	3932	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
3933	3933
3934	3934
3935	3935
3936	3936	personal automobile insurance policy of the TNC driver or owner 2651
3937	3937	of the TNC vehicle who are not occupying the TNC vehicle at the 2652
3938	3938	time of loss. This section does not require that a personal 2653
3939	3939	automobile insurance policy provide coverage while the TNC 2654
3940	3940	driver is logged on to a digital network, while the TNC driver 2655
3941	3941	is engaged in a prearranged ride, or while the TNC driver 2656
3942	3942	otherwise uses a vehicle to transport riders for compensation. 2657
3943	3943	3. This section must not be construed to require an 2658
3944	3944	insurer to use any par ticular policy language or reference to 2659
3945	3945	this section in order to exclude any and all coverage for any 2660
3946	3946	loss or injury that occurs while a TNC driver is logged on to a 2661
3947	3947	digital network or while a TNC driver provides a prearranged 2662
3948	3948	ride. 2663
3949	3949	4. This section does not preclude an insurer from 2664
3950	3950	providing primary or excess coverage for the TNC driver's 2665
3951	3951	vehicle by contract or endorsement. 2666
3952	3952	(16) LUXURY GROUND TRANSPORTATION NETWORK COMPANIES. — 2667
3953	3953	(b) An entity may elect, upon written notification to the 2668
3954	3954	department, to be regulated as a luxury ground TNC. A luxury 2669
3955	3955	ground TNC must: 2670
3956	3956	1. Comply with all of the requirements of this section 2671
3957	3957	applicable to a TNC, including subsection (17), which do not 2672
3958	3958	conflict with subparagraph 2. or which do not prohibit the 2673
3959	3959	company from connecting riders to drivers who operate for -hire 2674
3960	3960	vehicles as defined in s. 320.01(15), including limousines and 2675
3961	3961
3962	3962	HB 1525 2022
3963	3963
3964	3964
3965	3965
3966	3966	CODING: Words stricken are deletions; words underlined are additions.
3967	3967	hb1525-00
3968	3968	Page 108 of 131
3969	3969	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
3970	3970
3971	3971
3972	3972
3973	3973	luxury sedans and excluding taxicabs. 2676
3974	3974	2. Maintain insurance coverage as required by subsection 2677
3975	3975	(7). However, if a prospective luxury ground TNC s atisfies 2678
3976	3976	minimum financial responsibility through compliance with s. 2679
3977	3977	324.032(3) s. 324.032(2) by using self-insurance when it gives 2680
3978	3978	the department written notification of its election to be 2681
3979	3979	regulated as a luxury ground TNC, the luxury ground TNC may use 2682
3980	3980	self-insurance to meet the insurance requirements of subsection 2683
3981	3981	(7), so long as such self -insurance complies with s. 324.032(3) 2684
3982	3982	s. 324.032(2) and provides the limits of liability required by 2685
3983	3983	subsection (7). 2686
3984	3984	Section 53. Paragraphs (a) and (b) of subsectio n (2) and 2687
3985	3985	paragraphs (a) and (c) of subsection (3) of section 627.7483, 2688
3986	3986	Florida Statutes, are amended to read: 2689
3987	3987	627.7483 Peer-to-peer car sharing; insurance 2690
3988	3988	requirements.— 2691
3989	3989	(2) INSURANCE COVERAGE REQUIREMENTS. — 2692
3990	3990	(a)1. A peer-to-peer car-sharing program shall ensure 2693
3991	3991	that, during each car -sharing period, the shared vehicle owner 2694
3992	3992	and the shared vehicle driver are insured under a motor vehicle 2695
3993	3993	insurance policy that provides all of the following: 2696
3994	3994	a. Property damage liability coverage and bodily injury 2697
3995	3995	liability coverage that meet or exceed meets the minimum 2698
3996	3996	coverage amounts required under s. 324.022. 2699
3997	3997	b. Bodily injury liability coverage limits as described in 2700
3998	3998
3999	3999	HB 1525 2022
4000	4000
4001	4001
4002	4002
4003	4003	CODING: Words stricken are deletions; words underlined are additions.
4004	4004	hb1525-00
4005	4005	Page 109 of 131
4006	4006	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
4007	4007
4008	4008
4009	4009
4010	4010	s. 324.021(7)(a) and (b). 2701
4011	4011	c. Personal injury protection benefits that meet the 2702
4012	4012	minimum coverage amounts required under s. 627.736. 2703
4013	4013	b.d. Uninsured and underinsured vehicle coverage as 2704
4014	4014	required under s. 627.727. 2705
4015	4015	2. The peer-to-peer car-sharing program shall also ensure 2706
4016	4016	that the motor vehicle insurance policy under subparagraph 1.: 2707
4017	4017	a. Recognizes that the shared vehicle insured under the 2708
4018	4018	policy is made available and used through a peer -to-peer car-2709
4019	4019	sharing program; or 2710
4020	4020	b. Does not exclude the use of a shared vehicle by a 2711
4021	4021	shared vehicle driver. 2712
4022	4022	(b)1. The insurance described under paragraph (a) may b e 2713
4023	4023	satisfied by a motor vehicle insurance policy maintained by: 2714
4024	4024	a. A shared vehicle owner; 2715
4025	4025	b. A shared vehicle driver; 2716
4026	4026	c. A peer-to-peer car-sharing program; or 2717
4027	4027	d. A combination of a shared vehicle owner, a shared 2718
4028	4028	vehicle driver, and a peer -to-peer car-sharing program. 2719
4029	4029	2. The insurance policy maintained in subparagraph 1. 2720
4030	4030	which satisfies the insurance requirements under paragraph (a) 2721
4031	4031	is primary during each car -sharing period. If a claim occurs 2722
4032	4032	during the car-sharing period in another state with min imum 2723
4033	4033	financial responsibility limits higher than those limits 2724
4034	4034	required under chapter 324, the coverage maintained under 2725
4035	4035
4036	4036	HB 1525 2022
4037	4037
4038	4038
4039	4039
4040	4040	CODING: Words stricken are deletions; words underlined are additions.
4041	4041	hb1525-00
4042	4042	Page 110 of 131
4043	4043	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
4044	4044
4045	4045
4046	4046
4047	4047	paragraph (a) satisfies the difference in minimum coverage 2726
4048	4048	amounts up to the applicable policy limits. 2727
4049	4049	3.a. If the insurance maintaine d by a shared vehicle owner 2728
4050	4050	or shared vehicle driver in accordance with subparagraph 1. has 2729
4051	4051	lapsed or does not provide the coverage required under paragraph 2730
4052	4052	(a), the insurance maintained by the peer -to-peer car-sharing 2731
4053	4053	program must provide the coverage req uired under paragraph (a), 2732
4054	4054	beginning with the first dollar of a claim, and must defend such 2733
4055	4055	claim, except under circumstances as set forth in subparagraph 2734
4056	4056	(3)(a)2. 2735
4057	4057	b. Coverage under a motor vehicle insurance policy 2736
4058	4058	maintained by the peer -to-peer car-sharing program must not be 2737
4059	4059	dependent on another motor vehicle insurer first denying a 2738
4060	4060	claim, and another motor vehicle insurance policy is not 2739
4061	4061	required to first deny a claim. 2740
4062	4062	c. Notwithstanding any other law, statute, rule, or 2741
4063	4063	regulation to the contrary, a peer-to-peer car-sharing program 2742
4064	4064	has an insurable interest in a shared vehicle during the car -2743
4065	4065	sharing period. This sub -subparagraph does not create liability 2744
4066	4066	for a peer-to-peer car-sharing program for maintaining the 2745
4067	4067	coverage required under paragraph (a) a nd under this paragraph, 2746
4068	4068	if applicable. 2747
4069	4069	d. A peer-to-peer car-sharing program may own and maintain 2748
4070	4070	as the named insured one or more policies of motor vehicle 2749
4071	4071	insurance which provide coverage for: 2750
4072	4072
4073	4073	HB 1525 2022
4074	4074
4075	4075
4076	4076
4077	4077	CODING: Words stricken are deletions; words underlined are additions.
4078	4078	hb1525-00
4079	4079	Page 111 of 131
4080	4080	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
4081	4081
4082	4082
4083	4083
4084	4084	(I) Liabilities assumed by the peer -to-peer car-sharing 2751
4085	4085	program under a peer –to–peer car-sharing program agreement; 2752
4086	4086	(II) Liability of the shared vehicle owner; 2753
4087	4087	(III) Liability of the shared vehicle driver; 2754
4088	4088	(IV) Damage or loss to the shared motor vehicle; or 2755
4089	4089	(V) Damage, loss, or injury to persons or prop erty to 2756
4090	4090	satisfy the personal injury protection and uninsured and 2757
4091	4091	underinsured motorist coverage requirements of this section. 2758
4092	4092	e. Insurance required under paragraph (a), when maintained 2759
4093	4093	by a peer-to-peer car-sharing program, may be provided by an 2760
4094	4094	insurer authorized to do business in this state which is a 2761
4095	4095	member of the Florida Insurance Guaranty Association or an 2762
4096	4096	eligible surplus lines insurer that has a superior, excellent, 2763
4097	4097	exceptional, or equivalent financial strength rating by a rating 2764
4098	4098	agency acceptable to the office. A peer -to-peer car-sharing 2765
4099	4099	program is not transacting in insurance when it maintains the 2766
4100	4100	insurance required under this section. 2767
4101	4101	(3) LIABILITIES AND INSURANCE EXCLUSIONS. — 2768
4102	4102	(a) Liability.— 2769
4103	4103	1. A peer-to-peer car-sharing program shall assu me 2770
4104	4104	liability, except as provided in subparagraph 2., of a shared 2771
4105	4105	vehicle owner for bodily injury or property damage to third 2772
4106	4106	parties or uninsured and underinsured motorist or personal 2773
4107	4107	injury protection losses during the car -sharing period in an 2774
4108	4108	amount stated in the peer-to-peer car-sharing program agreement, 2775
4109	4109
4110	4110	HB 1525 2022
4111	4111
4112	4112
4113	4113
4114	4114	CODING: Words stricken are deletions; words underlined are additions.
4115	4115	hb1525-00
4116	4116	Page 112 of 131
4117	4117	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
4118	4118
4119	4119
4120	4120
4121	4121	which amount may not be less than those set forth in ss. 324.022 2776
4122	4122	and ss. 324.021(7)(a) and (b), 324.022, 627.727, and 627.736, 2777
4123	4123	respectively. 2778
4124	4124	2. The assumption of liability under subparagraph 1. does 2779
4125	4125	not apply if a shared vehicle owner: 2780
4126	4126	a. Makes an intentional or fraudulent material 2781
4127	4127	misrepresentation or omission to the peer -to-peer car-sharing 2782
4128	4128	program before the car -sharing period in which the loss occurs; 2783
4129	4129	or 2784
4130	4130	b. Acts in concert with a shared vehicle driver who fails 2785
4131	4131	to return the shared vehicle pursuant to the terms of the peer -2786
4132	4132	to-peer car-sharing program agreement. 2787
4133	4133	3. The insurer, insurers, or peer -to-peer car-sharing 2788
4134	4134	program providing coverage under paragraph (2)(a) shall assume 2789
4135	4135	primary liability for a claim when: 2790
4136	4136	a. A dispute exists over who was in control of the shared 2791
4137	4137	motor vehicle at the time of the loss, and the peer -to-peer car-2792
4138	4138	sharing program does not have available, did not retain, or 2793
4139	4139	fails to provide the information required under subse ction (5); 2794
4140	4140	or 2795
4141	4141	b. A dispute exists over whether the shared vehicle was 2796
4142	4142	returned to the alternatively agreed -upon location as required 2797
4143	4143	under subparagraph (1)(d)2. 2798
4144	4144	(c) Exclusions in motor vehicle insurance policies. —An 2799
4145	4145	authorized insurer that writes motor vehicle liability insurance 2800
4146	4146
4147	4147	HB 1525 2022
4148	4148
4149	4149
4150	4150
4151	4151	CODING: Words stricken are deletions; words underlined are additions.
4152	4152	hb1525-00
4153	4153	Page 113 of 131
4154	4154	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
4155	4155
4156	4156
4157	4157
4158	4158	in this state may exclude any coverage and the duty to defend or 2801
4159	4159	indemnify for any claim under a shared vehicle owner's motor 2802
4160	4160	vehicle insurance policy, including, but not limited to: 2803
4161	4161	1. Liability coverage for bodily injury an d property 2804
4162	4162	damage; 2805
4163	4163	2. Personal injury protection coverage; 2806
4164	4164	2.3. Uninsured and underinsured motorist coverage; 2807
4165	4165	3.4. Medical payments coverage; 2808
4166	4166	4.5. Comprehensive physical damage coverage; and 2809
4167	4167	5.6. Collision physical damage coverage. 2810
4168	4168	2811
4169	4169	This paragraph does not invalidate or limit any exclusion 2812
4170	4170	contained in a motor vehicle insurance policy, including any 2813
4171	4171	insurance policy in use or approved for use which excludes 2814
4172	4172	coverage for motor vehicles made available for rent, sharing, or 2815
4173	4173	hire or for any business u se. This paragraph does not 2816
4174	4174	invalidate, limit, or restrict an insurer's ability under 2817
4175	4175	existing law to underwrite, cancel, or nonrenew any insurance 2818
4176	4176	policy. 2819
4177	4177	Section 54. Paragraph (a) of subsection (2) of section 2820
4178	4178	627.749, Florida Statutes, is amended to read: 2821
4179	4179	627.749 Autonomous vehicles; insurance requirements. — 2822
4180	4180	(2) INSURANCE REQUIREMENTS. — 2823
4181	4181	(a) A fully autonomous vehicle with the automated driving 2824
4182	4182	system engaged while logged on to an on -demand autonomous 2825
4183	4183
4184	4184	HB 1525 2022
4185	4185
4186	4186
4187	4187
4188	4188	CODING: Words stricken are deletions; words underlined are additions.
4189	4189	hb1525-00
4190	4190	Page 114 of 131
4191	4191	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
4192	4192
4193	4193
4194	4194
4195	4195	vehicle network or engaged in a prearranged ride must be covered 2826
4196	4196	by a policy of automobile insurance which provides: 2827
4197	4197	1. Primary liability coverage of at least $1 million for 2828
4198	4198	death, bodily injury, and property damage. 2829
4199	4199	2. Personal injury protection benefits that meet the 2830
4200	4200	minimum coverage amounts r equired under ss. 627.730 -627.7405. 2831
4201	4201	2.3. Uninsured and underinsured vehicle coverage as 2832
4202	4202	required by s. 627.727. 2833
4203	4203	Section 55. Section 627.8405, Florida Statutes, is amended 2834
4204	4204	to read: 2835
4205	4205	627.8405 Prohibited acts; financing companies. —A No 2836
4206	4206	premium finance company shall, in a premium finance agreement or 2837
4207	4207	other agreement, may not finance the cost of or otherwise 2838
4208	4208	provide for the collection or remittance of dues, assessments, 2839
4209	4209	fees, or other periodic payments of money for the cost of: 2840
4210	4210	(1) A membership in an au tomobile club. The term 2841
4211	4211	"automobile club" means a legal entity that which, in 2842
4212	4212	consideration of dues, assessments, or periodic payments of 2843
4213	4213	money, promises its members or subscribers to assist them in 2844
4214	4214	matters relating to the ownership, operation, use, or 2845
4215	4215	maintenance of a motor vehicle; however, the term this 2846
4216	4216	definition of "automobile club" does not include persons, 2847
4217	4217	associations, or corporations which are organized and operated 2848
4218	4218	solely for the purpose of conducting, sponsoring, or sanctioning 2849
4219	4219	motor vehicle races, exhibitions, or contests upon racetracks, 2850
4220	4220
4221	4221	HB 1525 2022
4222	4222
4223	4223
4224	4224
4225	4225	CODING: Words stricken are deletions; words underlined are additions.
4226	4226	hb1525-00
4227	4227	Page 115 of 131
4228	4228	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
4229	4229
4230	4230
4231	4231
4232	4232	or upon racecourses established and marked as such for the 2851
4233	4233	duration of such particular events. As used in this subsection, 2852
4234	4234	the term words "motor vehicle" has used herein have the same 2853
4235	4235	meaning as defined in chapter 320. 2854
4236	4236	(2) An accidental death and dismemberment policy sold in 2855
4237	4237	combination with a policy providing only death benefit coverage 2856
4238	4238	under s. 627.72761, bodily injury liability coverage, personal 2857
4239	4239	injury protection and property damage liability coverage only 2858
4240	4240	policy. 2859
4241	4241	(3) Any product not regulated under the provisions of this 2860
4242	4242	insurance code. 2861
4243	4243	2862
4244	4244	This section also applies to premium financing by any insurance 2863
4245	4245	agent or insurance company under part XVI. The commission shall 2864
4246	4246	adopt rules to assure disclosure, at the time of sale, of 2865
4247	4247	coverages financed with personal injury protection and shall 2866
4248	4248	prescribe the form of such disclosure. 2867
4249	4249	Section 56. Subsection (1) of section 627.915, Florida 2868
4250	4250	Statutes, is amended to read: 2869
4251	4251	627.915 Insurer experience reporting. — 2870
4252	4252	(1) Each insurer transacting private passenger automobile 2871
4253	4253	insurance in this state shall report certain information 2872
4254	4254	annually to the office. The information will be due on or before 2873
4255	4255	July 1 of each year. The information must shall be divided into 2874
4256	4256	the following categories: bodily injury liability; property 2875
4257	4257
4258	4258	HB 1525 2022
4259	4259
4260	4260
4261	4261
4262	4262	CODING: Words stricken are deletions; words underlined are additions.
4263	4263	hb1525-00
4264	4264	Page 116 of 131
4265	4265	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
4266	4266
4267	4267
4268	4268
4269	4269	damage liability; uninsured motorist; death benefit coverage 2876
4270	4270	under s. 627.72761 personal injury protection benefits ; medical 2877
4271	4271	payments; and comprehensive and collision. The information given 2878
4272	4272	must shall be on direct insurance writings in the state alone 2879
4273	4273	and shall represent total limits data. The information set forth 2880
4274	4274	in paragraphs (a)-(f) is applicable to voluntary private 2881
4275	4275	passenger and Joint Underwriting Association private passenger 2882
4276	4276	writings and must shall be reported for each of the latest 3 2883
4277	4277	calendar-accident years, with an evaluation date of March 31 of 2884
4278	4278	the current year. The information set forth in paragraphs (g) -2885
4279	4279	(j) is applicable to voluntary private passenger writings and 2886
4280	4280	must shall be reported on a calen dar-accident year basis 2887
4281	4281	ultimately seven times at seven different stages of development. 2888
4282	4282	(a) Premiums earned for the latest 3 calendar -accident 2889
4283	4283	years. 2890
4284	4284	(b) Loss development factors and the historic development 2891
4285	4285	of those factors. 2892
4286	4286	(c) Policyholder divide nds incurred. 2893
4287	4287	(d) Expenses for other acquisition and general expense. 2894
4288	4288	(e) Expenses for agents' commissions and taxes, licenses, 2895
4289	4289	and fees. 2896
4290	4290	(f) Profit and contingency factors as utilized in the 2897
4291	4291	insurer's automobile rate filings for the applicable years . 2898
4292	4292	(g) Losses paid. 2899
4293	4293	(h) Losses unpaid. 2900
4294	4294
4295	4295	HB 1525 2022
4296	4296
4297	4297
4298	4298
4299	4299	CODING: Words stricken are deletions; words underlined are additions.
4300	4300	hb1525-00
4301	4301	Page 117 of 131
4302	4302	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
4303	4303
4304	4304
4305	4305
4306	4306	(i) Loss adjustment expenses paid. 2901
4307	4307	(j) Loss adjustment expenses unpaid. 2902
4308	4308	Section 57. Subsections (2) and (3) of section 628.909, 2903
4309	4309	Florida Statutes, are amended to read: 2904
4310	4310	628.909 Applicability of other laws. — 2905
4311	4311	(2) The following provisions of the Florida Insurance Code 2906
4312	4312	apply to captive insurance companies that who are not industrial 2907
4313	4313	insured captive insurance companies to the extent that such 2908
4314	4314	provisions are not inconsistent with this part: 2909
4315	4315	(a) Chapter 624, ex cept for ss. 624.407, 624.408, 2910
4316	4316	624.4085, 624.40851, 624.4095, 624.411, 624.425, and 624.426. 2911
4317	4317	(b) Chapter 625, part II. 2912
4318	4318	(c) Chapter 626, part IX. 2913
4319	4319	(d) Sections 627.730 -627.7405, when no-fault coverage is 2914
4320	4320	provided. 2915
4321	4321	(d)(e) Chapter 628. 2916
4322	4322	(3) The following provisions of the Florida Insurance Code 2917
4323	4323	shall apply to industrial insured captive insurance companies to 2918
4324	4324	the extent that such provisions are not inconsistent with this 2919
4325	4325	part: 2920
4326	4326	(a) Chapter 624, except for ss. 624.407, 624.408, 2921
4327	4327	624.4085, 624.40851, 624.4095, 624.411, 624.425, 624.426, and 2922
4328	4328	624.609(1). 2923
4329	4329	(b) Chapter 625, part II, if the industrial insured 2924
4330	4330	captive insurance company is incorporated in this state. 2925
4331	4331
4332	4332	HB 1525 2022
4333	4333
4334	4334
4335	4335
4336	4336	CODING: Words stricken are deletions; words underlined are additions.
4337	4337	hb1525-00
4338	4338	Page 118 of 131
4339	4339	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
4340	4340
4341	4341
4342	4342
4343	4343	(c) Chapter 626, part IX. 2926
4344	4344	(d) Sections 627.730 -627.7405 when no-fault coverage is 2927
4345	4345	provided. 2928
4346	4346	(d)(e) Chapter 628, except for ss. 628.341, 628.351, and 2929
4347	4347	628.6018. 2930
4348	4348	Section 58. Subsections (2), (6), and (7) of section 2931
4349	4349	705.184, Florida Statutes, are amended to read: 2932
4350	4350	705.184 Derelict or abandoned motor vehicles on the 2933
4351	4351	premises of public-use airports.— 2934
4352	4352	(2) The airport director or the director's designee shall 2935
4353	4353	contact the Department of Highway Safety and Motor Vehicles to 2936
4354	4354	notify that department that the airport has possession of the 2937
4355	4355	abandoned or derelict motor vehicle and to determi ne the name 2938
4356	4356	and address of the owner of the motor vehicle, the insurance 2939
4357	4357	company insuring the motor vehicle, notwithstanding the 2940
4358	4358	provisions of s. 627.736, and any person who has filed a lien on 2941
4359	4359	the motor vehicle. Within 7 business days after receipt of the 2942
4360	4360	information, the director or the director's designee shall send 2943
4361	4361	notice by certified mail, return receipt requested, to the owner 2944
4362	4362	of the motor vehicle, the insurance company insuring the motor 2945
4363	4363	vehicle, notwithstanding the provisions of s. 627.736, and all 2946
4364	4364	persons of record claiming a lien against the motor vehicle. The 2947
4365	4365	notice must shall state the fact of possession of the motor 2948
4366	4366	vehicle, that charges for reasonable towing, storage, and 2949
4367	4367	parking fees, if any, have accrued and the amount thereof, that 2950
4368	4368
4369	4369	HB 1525 2022
4370	4370
4371	4371
4372	4372
4373	4373	CODING: Words stricken are deletions; words underlined are additions.
4374	4374	hb1525-00
4375	4375	Page 119 of 131
4376	4376	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
4377	4377
4378	4378
4379	4379
4380	4380	a lien as provided in subsection (6) will be claimed, that the 2951
4381	4381	lien is subject to enforcement pursuant to law, that the owner 2952
4382	4382	or lienholder, if any, has the right to a hearing as set forth 2953
4383	4383	in subsection (4), and that any motor vehicle which, at the end 2954
4384	4384	of 30 calendar days after receipt of the notice, has not been 2955
4385	4385	removed from the airport upon payment in full of all accrued 2956
4386	4386	charges for reasonable towing, storage, and parking fees, if 2957
4387	4387	any, may be disposed of as provided in s. 705.182(2)(a), (b), 2958
4388	4388	(d), or (e), including , but not limited to, the motor vehicle 2959
4389	4389	being sold free of all prior liens after 35 calendar days after 2960
4390	4390	the time the motor vehicle is stored if any prior liens on the 2961
4391	4391	motor vehicle are more than 5 years of age or after 50 calendar 2962
4392	4392	days after the time the m otor vehicle is stored if any prior 2963
4393	4393	liens on the motor vehicle are 5 years of age or less. 2964
4394	4394	(6) The airport pursuant to this section or, if used, a 2965
4395	4395	licensed independent wrecker company pursuant to s. 713.78 shall 2966
4396	4396	have a lien on an abandoned or derelict mo tor vehicle for all 2967
4397	4397	reasonable towing, storage, and accrued parking fees, if any, 2968
4398	4398	except that no storage fee may shall be charged if the motor 2969
4399	4399	vehicle is stored less than 6 hours. As a prerequisite to 2970
4400	4400	perfecting a lien under this section, the airport direc tor or 2971
4401	4401	the director's designee must serve a notice in accordance with 2972
4402	4402	subsection (2) on the owner of the motor vehicle, the insurance 2973
4403	4403	company insuring the motor vehicle, notwithstanding the 2974
4404	4404	provisions of s. 627.736, and all persons of record claiming a 2975
4405	4405
4406	4406	HB 1525 2022
4407	4407
4408	4408
4409	4409
4410	4410	CODING: Words stricken are deletions; words underlined are additions.
4411	4411	hb1525-00
4412	4412	Page 120 of 131
4413	4413	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
4414	4414
4415	4415
4416	4416
4417	4417	lien against the motor vehicle. If attempts to notify the owner, 2976
4418	4418	the insurance company insuring the motor vehicle, 2977
4419	4419	notwithstanding the provisions of s. 627.736, or lienholders are 2978
4420	4420	not successful, the requirement of notice by mail shall be 2979
4421	4421	considered met. Serv ing of the notice does not dispense with 2980
4422	4422	recording the claim of lien. 2981
4423	4423	(7)(a) For the purpose of perfecting its lien under this 2982
4424	4424	section, the airport shall record a claim of lien which states 2983
4425	4425	shall state: 2984
4426	4426	1. The name and address of the airport. 2985
4427	4427	2. The name of the owner of the motor vehicle, the 2986
4428	4428	insurance company insuring the motor vehicle, notwithstanding 2987
4429	4429	the provisions of s. 627.736, and all persons of record claiming 2988
4430	4430	a lien against the motor vehicle. 2989
4431	4431	3. The costs incurred from reasonable towing, storage, and 2990
4432	4432	parking fees, if any. 2991
4433	4433	4. A description of the motor vehicle sufficient for 2992
4434	4434	identification. 2993
4435	4435	(b) The claim of lien must shall be signed and sworn to or 2994
4436	4436	affirmed by the airport director or the director's designee. 2995
4437	4437	(c) The claim of lien is shall be sufficient if it is in 2996
4438	4438	substantially the following form: 2997
4439	4439	2998
4440	4440	CLAIM OF LIEN 2999
4441	4441	State of ........ 3000
4442	4442
4443	4443	HB 1525 2022
4444	4444
4445	4445
4446	4446
4447	4447	CODING: Words stricken are deletions; words underlined are additions.
4448	4448	hb1525-00
4449	4449	Page 121 of 131
4450	4450	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
4451	4451
4452	4452
4453	4453
4454	4454	County of ........ 3001
4455	4455	Before me, the undersigned notary public, personally appeared 3002
4456	4456	........, who was duly sworn and says that he/she is the 3003
4457	4457	........ of ........ ...., whose address is........; and that the 3004
4458	4458	following described motor vehicle: 3005
4459	4459	...(Description of motor vehicle)... 3006
4460	4460	owned by ........, whose address is ........, has accrued 3007
4461	4461	$........ in fees for a reasonable tow, for storage, and for 3008
4462	4462	parking, if applicab le; that the lienor served its notice to the 3009
4463	4463	owner, the insurance company insuring the motor vehicle 3010
4464	4464	notwithstanding the provisions of s. 627.736, Florida Statutes , 3011
4465	4465	and all persons of record claiming a lien against the motor 3012
4466	4466	vehicle on ...., ...(year)..., by......... 3013
4467	4467	...(Signature)... 3014
4468	4468	Sworn to (or affirmed) and subscribed before me this .... day of 3015
4469	4469	...., ...(year)..., by ...(name of person making statement).... 3016
4470	4470	...(Signature of Notary Public)......(Print, Type, or Stamp 3017
4471	4471	Commissioned name of Notary Public)... 3018
4472	4472	Personally Known....OR Produced....as identification. 3019
4473	4473	3020
4474	4474	However, the negligent inclusion or omission of any information 3021
4475	4475	in this claim of lien which does not prejudice the owner does 3022
4476	4476	not constitute a default that operates to defeat an otherwise 3023
4477	4477	valid lien. 3024
4478	4478	(d) The claim of lien must shall be served on the owner of 3025
4479	4479
4480	4480	HB 1525 2022
4481	4481
4482	4482
4483	4483
4484	4484	CODING: Words stricken are deletions; words underlined are additions.
4485	4485	hb1525-00
4486	4486	Page 122 of 131
4487	4487	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
4488	4488
4489	4489
4490	4490
4491	4491	the motor vehicle, the insurance company insuring the motor 3026
4492	4492	vehicle, notwithstanding the provisions of s. 627.736, and all 3027
4493	4493	persons of record claiming a lien against the motor vehicle. I f 3028
4494	4494	attempts to notify the owner, the insurance company insuring the 3029
4495	4495	motor vehicle notwithstanding the provisions of s. 627.736 , or 3030
4496	4496	lienholders are not successful, the requirement of notice by 3031
4497	4497	mail shall be considered met. The claim of lien must shall be so 3032
4498	4498	served before recordation. 3033
4499	4499	(e) The claim of lien must shall be recorded with the 3034
4500	4500	clerk of court in the county where the airport is located. The 3035
4501	4501	recording of the claim of lien shall be constructive notice to 3036
4502	4502	all persons of the contents and effect of such claim. The lien 3037
4503	4503	attaches shall attach at the time of recordation and takes shall 3038
4504	4504	take priority as of that time. 3039
4505	4505	Section 59. Paragraphs (a), (b), and (c) of subsection (4) 3040
4506	4506	of section 713.78, Florida Statutes, are amended to read: 3041
4507	4507	713.78 Liens for reco vering, towing, or storing vehicles 3042
4508	4508	and vessels.— 3043
4509	4509	(4)(a) A person regularly engaged in the business of 3044
4510	4510	recovering, towing, or storing vehicles or vessels who comes 3045
4511	4511	into possession of a vehicle or vessel pursuant to subsection 3046
4512	4512	(2), and who claims a lien f or recovery, towing, or storage 3047
4513	4513	services, shall give notice, by certified mail, to the 3048
4514	4514	registered owner, the insurance company insuring the vehicle 3049
4515	4515	notwithstanding s. 627.736 , and all persons claiming a lien 3050
4516	4516
4517	4517	HB 1525 2022
4518	4518
4519	4519
4520	4520
4521	4521	CODING: Words stricken are deletions; words underlined are additions.
4522	4522	hb1525-00
4523	4523	Page 123 of 131
4524	4524	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
4525	4525
4526	4526
4527	4527
4528	4528	thereon, as disclosed by the records in the Depa rtment of 3051
4529	4529	Highway Safety and Motor Vehicles or as disclosed by the records 3052
4530	4530	of any corresponding agency in any other state in which the 3053
4531	4531	vehicle is identified through a records check of the National 3054
4532	4532	Motor Vehicle Title Information System or an equivalent 3055
4533	4533	commercially available system as being titled or registered. 3056
4534	4534	(b) Whenever a law enforcement agency authorizes the 3057
4535	4535	removal of a vehicle or vessel or whenever a towing service, 3058
4536	4536	garage, repair shop, or automotive service, storage, or parking 3059
4537	4537	place notifies the law enforcement agency of possession of a 3060
4538	4538	vehicle or vessel pursuant to s. 715.07(2)(a)2., the law 3061
4539	4539	enforcement agency of the jurisdiction where the vehicle or 3062
4540	4540	vessel is stored shall contact the Department of Highway Safety 3063
4541	4541	and Motor Vehicles, or the appro priate agency of the state of 3064
4542	4542	registration, if known, within 24 hours through the medium of 3065
4543	4543	electronic communications, giving the full description of the 3066
4544	4544	vehicle or vessel. Upon receipt of the full description of the 3067
4545	4545	vehicle or vessel, the department shall search its files to 3068
4546	4546	determine the owner's name, the insurance company insuring the 3069
4547	4547	vehicle or vessel, and whether any person has filed a lien upon 3070
4548	4548	the vehicle or vessel as provided in s. 319.27(2) and (3) and 3071
4549	4549	notify the applicable law enforcement agency w ithin 72 hours. 3072
4550	4550	The person in charge of the towing service, garage, repair shop, 3073
4551	4551	or automotive service, storage, or parking place shall obtain 3074
4552	4552	such information from the applicable law enforcement agency 3075
4553	4553
4554	4554	HB 1525 2022
4555	4555
4556	4556
4557	4557
4558	4558	CODING: Words stricken are deletions; words underlined are additions.
4559	4559	hb1525-00
4560	4560	Page 124 of 131
4561	4561	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
4562	4562
4563	4563
4564	4564
4565	4565	within 5 days after the date of storage and shall giv e notice 3076
4566	4566	pursuant to paragraph (a). The department may release the 3077
4567	4567	insurance company information to the requestor notwithstanding 3078
4568	4568	s. 627.736. 3079
4569	4569	(c) The notice of lien must be sent by certified mail to 3080
4570	4570	the registered owner, the insurance company insuring th e vehicle 3081
4571	4571	notwithstanding s. 627.736 , and all other persons claiming a 3082
4572	4572	lien thereon within 7 business days, excluding Saturday and 3083
4573	4573	Sunday, after the date of storage of the vehicle or vessel. 3084
4574	4574	However, in no event shall the notice of lien be sent less than 3085
4575	4575	30 days before the sale of the vehicle or vessel. The notice 3086
4576	4576	must state: 3087
4577	4577	1. If the claim of lien is for a vehicle, the last 8 3088
4578	4578	digits of the vehicle identification number of the vehicle 3089
4579	4579	subject to the lien, or, if the claim of lien is for a vessel, 3090
4580	4580	the hull identification number of the vessel subject to the 3091
4581	4581	lien, clearly printed in the delivery address box and on the 3092
4582	4582	outside of the envelope sent to the registered owner and all 3093
4583	4583	other persons claiming an interest therein or lien thereon. 3094
4584	4584	2. The name, physic al address, and telephone number of the 3095
4585	4585	lienor, and the entity name, as registered with the Division of 3096
4586	4586	Corporations, of the business where the towing and storage 3097
4587	4587	occurred, which must also appear on the outside of the envelope 3098
4588	4588	sent to the registered owner and all other persons claiming an 3099
4589	4589	interest in or lien on the vehicle or vessel. 3100
4590	4590
4591	4591	HB 1525 2022
4592	4592
4593	4593
4594	4594
4595	4595	CODING: Words stricken are deletions; words underlined are additions.
4596	4596	hb1525-00
4597	4597	Page 125 of 131
4598	4598	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
4599	4599
4600	4600
4601	4601
4602	4602	3. The fact of possession of the vehicle or vessel. 3101
4603	4603	4. The name of the person or entity that authorized the 3102
4604	4604	lienor to take possession of the vehicle or vessel. 3103
4605	4605	5. That a lien as provided in subsection (2) is claimed. 3104
4606	4606	6. That charges have accrued and include an itemized 3105
4607	4607	statement of the amount thereof. 3106
4608	4608	7. That the lien is subject to enforcement under law and 3107
4609	4609	that the owner or lienholder, if any, has the right to a heari ng 3108
4610	4610	as set forth in subsection (5). 3109
4611	4611	8. That any vehicle or vessel that remains unclaimed, or 3110
4612	4612	for which the charges for recovery, towing, or storage services 3111
4613	4613	remain unpaid, may be sold free of all prior liens 35 days after 3112
4614	4614	the vehicle or vessel is stored b y the lienor if the vehicle or 3113
4615	4615	vessel is more than 3 years of age or 50 days after the vehicle 3114
4616	4616	or vessel is stored by the lienor if the vehicle or vessel is 3 3115
4617	4617	years of age or less. 3116
4618	4618	9. The address at which the vehicle or vessel is 3117
4619	4619	physically located. 3118
4620	4620	Section 60. Section 768.852, Florida Statutes, is created 3119
4621	4621	to read: 3120
4622	4622	768.852 Setoff on damages as a result of a motor vehicle 3121
4623	4623	crash while uninsured. — 3122
4624	4624	(1) Except as provided in subsection (2), for any award of 3123
4625	4625	noneconomic damages, a defendant is entitled to a setoff equal 3124
4626	4626	to $10,000 if a person suffers injury while operating a motor 3125
4627	4627
4628	4628	HB 1525 2022
4629	4629
4630	4630
4631	4631
4632	4632	CODING: Words stricken are deletions; words underlined are additions.
4633	4633	hb1525-00
4634	4634	Page 126 of 131
4635	4635	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
4636	4636
4637	4637
4638	4638
4639	4639	vehicle as defined in s. 324.022(2) which lacked the coverage 3126
4640	4640	required by s. 324.022(1) and the person was not in compliance 3127
4641	4641	with s. 324.022(1) for more than 30 days immediatel y preceding 3128
4642	4642	the crash. 3129
4643	4643	(2) The setoff on noneconomic damages in subsection (1) 3130
4644	4644	does not apply if the person who is liable for the injury: 3131
4645	4645	(a) Was driving while under the influence of an alcoholic 3132
4646	4646	beverage, an inhalant, or a controlled substance; 3133
4647	4647	(b) Acted intentionally, recklessly, or with gross 3134
4648	4648	negligence; 3135
4649	4649	(c) Fled from the scene of the crash; or 3136
4650	4650	(d) Was acting in furtherance of an offense or in 3137
4651	4651	immediate flight from an offense that constituted a felony at 3138
4652	4652	the time of the crash. 3139
4653	4653	(3) This section does not apply to any wrongful death 3140
4654	4654	claim. 3141
4655	4655	Section 61. Paragraph (d) of subsection (7) of section 3142
4656	4656	817.234, Florida Statutes, is redesignated as paragraph (c), and 3143
4657	4657	paragraph (a) of subsection (1), paragraph (c) of subsection 3144
4658	4658	(7), paragraphs (a), (b), and (c) of subsection (8), and 3145
4659	4659	subsections (9) and (10) of that section are amended, to read: 3146
4660	4660	817.234 False and fraudulent insurance claims. — 3147
4661	4661	(1)(a) A person commits insurance fraud punishable as 3148
4662	4662	provided in subsection (11) if that person, with the intent to 3149
4663	4663	injure, defraud, or deceive any insurer: 3150
4664	4664
4665	4665	HB 1525 2022
4666	4666
4667	4667
4668	4668
4669	4669	CODING: Words stricken are deletions; words underlined are additions.
4670	4670	hb1525-00
4671	4671	Page 127 of 131
4672	4672	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
4673	4673
4674	4674
4675	4675
4676	4676	1. Presents or causes to be presented any written or oral 3151
4677	4677	statement as part of, or in support of, a claim for payment or 3152
4678	4678	other benefit pursuant to an insurance policy or a health 3153
4679	4679	maintenance organiza tion subscriber or provider contract, 3154
4680	4680	knowing that such statement contains any false, incomplete, or 3155
4681	4681	misleading information concerning any fact or thing material to 3156
4682	4682	such claim; 3157
4683	4683	2. Prepares or makes any written or oral statement that is 3158
4684	4684	intended to be presented to an any insurer in connection with, 3159
4685	4685	or in support of, any claim for payment or other benefit 3160
4686	4686	pursuant to an insurance policy or a health maintenance 3161
4687	4687	organization subscriber or provider contract, knowing that such 3162
4688	4688	statement contains any false, incomplete, or misleading 3163
4689	4689	information concerning any fact or thing material to such claim; 3164
4690	4690	3.a. Knowingly presents, causes to be presented, or 3165
4691	4691	prepares or makes with knowledge or belief that it will be 3166
4692	4692	presented to an any insurer, purported insurer, servicin g 3167
4693	4693	corporation, insurance broker, or insurance agent, or any 3168
4694	4694	employee or agent thereof, any false, incomplete, or misleading 3169
4695	4695	information or a written or oral statement as part of, or in 3170
4696	4696	support of, an application for the issuance of, or the rating 3171
4697	4697	of, any insurance policy, or a health maintenance organization 3172
4698	4698	subscriber or provider contract; or 3173
4699	4699	b. Knowingly conceals information concerning any fact 3174
4700	4700	material to such application; or 3175
4701	4701
4702	4702	HB 1525 2022
4703	4703
4704	4704
4705	4705
4706	4706	CODING: Words stricken are deletions; words underlined are additions.
4707	4707	hb1525-00
4708	4708	Page 128 of 131
4709	4709	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
4710	4710
4711	4711
4712	4712
4713	4713	4. Knowingly presents, causes to be presented, or prepares 3176
4714	4714	or makes with knowledge or belief that it will be presented to 3177
4715	4715	any insurer a claim for payment or other benefit under medical 3178
4716	4716	payments coverage in a motor vehicle a personal injury 3179
4717	4717	protection insurance policy if the person knows that the payee 3180
4718	4718	knowingly submitted a false, misleading, or fraudulent 3181
4719	4719	application or other document when applying for licensure as a 3182
4720	4720	health care clinic, seeking an exemption from licensure as a 3183
4721	4721	health care clinic, or demonstrating compliance with part X of 3184
4722	4722	chapter 400. 3185
4723	4723	(7) 3186
4724	4724	(c) An insurer, or any person acting at the direction of 3187
4725	4725	or on behalf of an insurer, may not change an opinion in a 3188
4726	4726	mental or physical report prepared under s. 627.736(7) or direct 3189
4727	4727	the physician preparing the report to change such opinion; 3190
4728	4728	however, this provision does not precl ude the insurer from 3191
4729	4729	calling to the attention of the physician errors of fact in the 3192
4730	4730	report based upon information in the claim file. Any person who 3193
4731	4731	violates this paragraph commits a felony of the third degree, 3194
4732	4732	punishable as provided in s. 775.082, s. 775. 083, or s. 775.084. 3195
4733	4733	(8)(a) It is unlawful for any person intending to defraud 3196
4734	4734	any other person to solicit or cause to be solicited any 3197
4735	4735	business from a person involved in a motor vehicle accident for 3198
4736	4736	the purpose of making, adjusting, or settling motor veh icle tort 3199
4737	4737	claims or claims for benefits under medical payments coverage in 3200
4738	4738
4739	4739	HB 1525 2022
4740	4740
4741	4741
4742	4742
4743	4743	CODING: Words stricken are deletions; words underlined are additions.
4744	4744	hb1525-00
4745	4745	Page 129 of 131
4746	4746	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
4747	4747
4748	4748
4749	4749
4750	4750	a motor vehicle insurance policy personal injury protection 3201
4751	4751	benefits required by s. 627.736 . Any person who violates the 3202
4752	4752	provisions of this paragraph commits a felony of the second 3203
4753	4753	degree, punishable as provided in s. 775.082, s. 775.083, or s. 3204
4754	4754	775.084. A person who is convicted of a violation of this 3205
4755	4755	subsection shall be sentenced to a minimum term of imprisonment 3206
4756	4756	of 2 years. 3207
4757	4757	(b) A person may not solicit or cause to be solicited any 3208
4758	4758	business from a person involved in a motor vehicle accident by 3209
4759	4759	any means of communication other than advertising directed to 3210
4760	4760	the public for the purpose of making motor vehicle tort claims 3211
4761	4761	or claims for benefits under medical payments coverage in a 3212
4762	4762	motor vehicle insurance policy personal injury protection 3213
4763	4763	benefits required by s. 627.736, within 60 days after the 3214
4764	4764	occurrence of the motor vehicle accident. Any person who 3215
4765	4765	violates this paragraph commits a felony o f the third degree, 3216
4766	4766	punishable as provided in s. 775.082, s. 775.083, or s. 775.084. 3217
4767	4767	(c) A lawyer, health care practitioner as defined in s. 3218
4768	4768	456.001, or owner or medical director of a clinic required to be 3219
4769	4769	licensed pursuant to s. 400.9905 may not, at any time after 60 3220
4770	4770	days have elapsed from the occurrence of a motor vehicle 3221
4771	4771	accident, solicit or cause to be solicited any business from a 3222
4772	4772	person involved in a motor vehicle accident by means of in 3223
4773	4773	person or telephone contact at the person's residence, for the 3224
4774	4774	purpose of making motor vehicle tort claims or claims for 3225
4775	4775
4776	4776	HB 1525 2022
4777	4777
4778	4778
4779	4779
4780	4780	CODING: Words stricken are deletions; words underlined are additions.
4781	4781	hb1525-00
4782	4782	Page 130 of 131
4783	4783	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
4784	4784
4785	4785
4786	4786
4787	4787	benefits under medical payments coverage in a motor vehicle 3226
4788	4788	insurance policy personal injury protection benefits required by 3227
4789	4789	s. 627.736. Any person who violates this paragraph commits a 3228
4790	4790	felony of the third degree, punishable as provided in s. 3229
4791	4791	775.082, s. 775.083, or s. 775.084. 3230
4792	4792	(9) A person may not organize, plan, or knowingly 3231
4793	4793	participate in an intentional motor vehicle crash or a scheme to 3232
4794	4794	create documentation of a motor vehicle crash that did no t occur 3233
4795	4795	for the purpose of making motor vehicle tort claims or claims 3234
4796	4796	for benefits under medical payments coverage in a motor vehicle 3235
4797	4797	insurance policy personal injury protection benefits as required 3236
4798	4798	by s. 627.736. Any person who violates this subsection co mmits a 3237
4799	4799	felony of the second degree, punishable as provided in s. 3238
4800	4800	775.082, s. 775.083, or s. 775.084. A person who is convicted of 3239
4801	4801	a violation of this subsection shall be sentenced to a minimum 3240
4802	4802	term of imprisonment of 2 years. 3241
4803	4803	(10) A licensed health care practitioner who is found 3242
4804	4804	guilty of insurance fraud under this section for an act relating 3243
4805	4805	to a motor vehicle personal injury protection insurance policy 3244
4806	4806	loses his or her license to practice for 5 years and may not 3245
4807	4807	receive reimbursement under medical payments coverage in a motor 3246
4808	4808	vehicle insurance policy for personal injury protection benefits 3247
4809	4809	for 10 years. 3248
4810	4810	Section 62. For the 2022-2023 fiscal year, the sum of 3249
4811	4811	$83,651 in nonrecurring funds is appropriated from the Insurance 3250
4812	4812
4813	4813	HB 1525 2022
4814	4814
4815	4815
4816	4816
4817	4817	CODING: Words stricken are deletions; words underlined are additions.
4818	4818	hb1525-00
4819	4819	Page 131 of 131
4820	4820	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
4821	4821
4822	4822
4823	4823
4824	4824	Regulatory Trust Fund to the Office of Insurance Regulation for 3251
4825	4825	the purpose of implementing this act. 3252
4826	4826	Section 63. Except as otherwise expressly provided in this 3253
4827	4827	act and except for this section, which shall take effect upon 3254
4828	4828	this act becoming a law, this act shall take effect July 1, 3255
4829	4829	2023. 3256