Florida 2023 Regular Session

Florida House Bill H0429 Compare Versions

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

Old	New	Differences
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2	2
3	3	HB 429 2023
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5	5
6	6
7	7	CODING: Words stricken are deletions; words underlined are additions.
8	8	hb0429-00
9	9	Page 1 of 147
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, and 627.7405, F.S., relating to 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 provision to changes made by the act; 9
23	23	amending s. 316.646, F.S.; revising a requirement for 10
24	24	proof of security on a motor vehicle and the 11
25	25	applicability of the requirement; amending s. 318.18, 12
26	26	F.S.; conforming a provision to changes made by the 13
27	27	act; amending s. 320.02, F.S.; revising the motor 14
28	28	vehicle insurance coverages that an applicant must 15
29	29	show to register certain vehicles with the Department 16
30	30	of Highway Safety and Motor Vehicles; conforming a 17
31	31	provision to changes made by the act; revising 18
32	32	construction; amending s. 320.0609, F.S.; conforming a 19
33	33	provision to changes made by the act; amending s. 20
34	34	320.27, F.S.; defining the term "garage liability 21
35	35	insurance"; revising garage liability insurance 22
36	36	requirements for motor vehicle dealer license 23
37	37	applicants; conforming a provision to changes made by 24
38	38	the act; amending s. 320.771, F.S.; revising garage 25
39	39
40	40	HB 429 2023
41	41
42	42
43	43
44	44	CODING: Words stricken are deletions; words underlined are additions.
45	45	hb0429-00
46	46	Page 2 of 147
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	liability insurance requirements for recreational 26
52	52	vehicle dealer license applicants; amending ss. 27
53	53	322.251 and 322.34, F.S.; conforming provisions to 28
54	54	changes made by the act; amending s. 324.011, F.S.; 29
55	55	revising legislative intent; amending s. 324.021, 30
56	56	F.S.; revising and providing definitions; revising 31
57	57	minimum coverage requirements for proof of financial 32
58	58	responsibility for specified motor vehicles; 33
59	59	conforming provisions to changes made by the act; 34
60	60	amending s. 324.022, F.S.; revising minimum liability 35
61	61	coverage requirements for motor vehicle owners or 36
62	62	operators; revising authorized methods for meeting 37
63	63	such requirements; deleting a provision relating to an 38
64	64	insurer's duty to defend certain claims; revising the 39
65	65	vehicles that are excluded from the definition of the 40
66	66	term "motor vehicle"; providing security requirements 41
67	67	for certain excluded vehicles; conforming provisions 42
68	68	to changes made by the act; amending s. 324.0221, 43
69	69	F.S.; revising coverages that subject a policy to 44
70	70	certain insurer reporting and notice requirements; 45
71	71	conforming provisions to changes made by the act; 46
72	72	creating s. 324.0222, F.S.; providing that driver 47
73	73	license or motor vehicle registration suspensions for 48
74	74	failure to maintain required security which are in 49
75	75	effect before a specified date remain in full force 50
76	76
77	77	HB 429 2023
78	78
79	79
80	80
81	81	CODING: Words stricken are deletions; words underlined are additions.
82	82	hb0429-00
83	83	Page 3 of 147
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	and effect; providing that such suspended licenses or 51
89	89	registrations may be reinstated as provided in a 52
90	90	specified section; amending s. 324.023, F.S.; 53
91	91	conforming cross-references; amending s. 324.031, 54
92	92	F.S.; specifying a method of proving financial 55
93	93	responsibility by owners or operators of motor 56
94	94	vehicles other than for-hire passenger transportation 57
95	95	vehicles; revising the amount of a certificate of 58
96	96	deposit required to elect a certain method of proof of 59
97	97	financial responsibility; revising liability coverage 60
98	98	requirements for a person electing to use such method; 61
99	99	amending s. 324.032, F.S.; revising financial 62
100	100	responsibility requirements for owners or lessees of 63
101	101	for-hire passenger transportation vehicles; amending 64
102	102	s. 324.051, F.S.; making technical changes; specifying 65
103	103	that motor vehicles include motorcycles for purposes 66
104	104	of the section; amending ss. 324.071 and 324.091, 67
105	105	F.S.; making technical changes; amending s. 324.151, 68
106	106	F.S.; revising requirements for motor vehicle 69
107	107	liability insurance policies relating to coverage, and 70
108	108	exclusion from coverage, for certain drivers and 71
109	109	vehicles; conforming provisions to changes made by the 72
110	110	act; making technical changes; defining terms; 73
111	111	amending s. 324.161, F.S.; revising requirements for a 74
112	112	certificate of deposit that is required if a person 75
113	113
114	114	HB 429 2023
115	115
116	116
117	117
118	118	CODING: Words stricken are deletions; words underlined are additions.
119	119	hb0429-00
120	120	Page 4 of 147
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	elects a certain method of proving financial 76
126	126	responsibility; amending s. 324.171, F.S.; revising 77
127	127	the minimum net worth requirements to qualify certain 78
128	128	persons as self-insurers; conforming provisions to 79
129	129	changes made by the act; amending s. 324.251, F.S.; 80
130	130	revising a short title and an effective date; amending 81
131	131	s. 400.9905, F.S.; revising the definition of the term 82
132	132	"clinic"; amending ss. 400.991 and 400.9935, F.S.; 83
133	133	conforming provisions to changes made by the act; 84
134	134	amending s. 409.901, F.S.; revising the definition of 85
135	135	the term "third-party benefit"; amending s. 409 .910, 86
136	136	F.S.; revising the definition of the term "medical 87
137	137	coverage"; amending s. 456.057, F.S.; conforming a 88
138	138	provision to changes made by the act; amending s. 89
139	139	456.072, F.S.; revising specified grounds for 90
140	140	discipline for certain health professions; defining 91
141	141	the term "upcode"; amending s. 624.155, F.S.; 92
142	142	providing an exception to the circumstances under 93
143	143	which a person who is damaged may bring a civil action 94
144	144	against an insurer; adding a cause of action against 95
145	145	insurers in certain circumstances; providing that a 96
146	146	person is not entitled to judgments under multiple bad 97
147	147	faith remedies; creating s. 624.156, F.S.; providing 98
148	148	that the section applies to bad faith failure to 99
149	149	settle third-party claim actions against any insurer 100
150	150
151	151	HB 429 2023
152	152
153	153
154	154
155	155	CODING: Words stricken are deletions; words underlined are additions.
156	156	hb0429-00
157	157	Page 5 of 147
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	for a loss arising out of the ownership, maint enance, 101
163	163	or use of a motor vehicle under specified 102
164	164	circumstances; providing construction; providing that 103
165	165	insurers have a duty of good faith; providing 104
166	166	construction; defining the term "bad faith failure to 105
167	167	settle"; requiring insurers to meet best practices 106
168	168	standards; providing circumstances under which a 107
169	169	notice is not effective; providing that the burden is 108
170	170	on the party bringing the bad faith claim; specifying 109
171	171	best practices standards for insurers upon receiving 110
172	172	actual notice of certain incidents or losses; 111
173	173	specifying certain requirements for insurer 112
174	174	communications to an insured; requiring an insurer to 113
175	175	initiate settlement negotiations under certain 114
176	176	circumstances; specifying requirements for the insurer 115
177	177	when multiple claims arise out of a single occurrence 116
178	178	under certain conditions; providing construction; 117
179	179	requiring an insurer to attempt to settle a claim on 118
180	180	behalf of certain insureds under certain 119
181	181	circumstances; providing for a defense to bad faith 120
182	182	actions; providing that insureds have a duty to 121
183	183	cooperate; requiring an insured to take certain 122
184	184	reasonable actions necessary to settle covered claims; 123
185	185	providing requirements for disclosures by insureds; 124
186	186	requiring insurers to provide certain notice to 125
187	187
188	188	HB 429 2023
189	189
190	190
191	191
192	192	CODING: Words stricken are deletions; words underlined are additions.
193	193	hb0429-00
194	194	Page 6 of 147
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	insureds within a specified timeframe; providing that 126
200	200	insurers may terminate certain defenses under certain 127
201	201	circumstances; providing that a trier of fact may not 128
202	202	attribute an insurer's failure to settle certain 129
203	203	claims to specified causes under certain 130
204	204	circumstances; specifying conditions precedent for 131
205	205	claimants filing bad faith failure to settle third -132
206	206	party claim actions; providing that an insurer is 133
207	207	entitled to a reasonable opportunity to investigate 134
208	208	and evaluate claims under certain circumstances; 135
209	209	providing that insurers may not be held liable for the 136
210	210	failure to accept a settlement offer within a certain 137
211	211	timeframe if certain conditions are met; providing 138
212	212	that an insurer is not required to automatically 139
213	213	tender policy limits within a certain timeframe in 140
214	214	every case; requiring the party bringing a bad faith 141
215	215	failure to settle action to prove every element by the 142
216	216	greater weight of the evidence; specifying burdens of 143
217	217	proof for insurers relying on specified defenses; 144
218	218	limiting damages under certain circumstances; 145
219	219	providing construction; amending s. 626.9541, F.S.; 146
220	220	conforming a provision to changes made by the act; 147
221	221	revising certain prohibited acts related to specified 148
222	222	insurance coverage payment requirements; amending s. 149
223	223	626.989, F.S.; revising the definition of the term 150
224	224
225	225	HB 429 2023
226	226
227	227
228	228
229	229	CODING: Words stricken are deletions; words underlined are additions.
230	230	hb0429-00
231	231	Page 7 of 147
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	"fraudulent insurance act"; amending s. 627.06501, 151
237	237	F.S.; revising coverages that may provide for a 152
238	238	reduction in motor vehicle insurance policy premium 153
239	239	charges under certain circumstances; amending s. 154
240	240	627.0651, F.S.; specifying requirements for rate 155
241	241	filings for motor vehicle liability policies that 156
242	242	implement requirement s in effect on a specified date; 157
243	243	requiring such filings to be approved through a 158
244	244	certain process; amending s. 627.0652, F.S.; revising 159
245	245	coverages that must provide a premium charge reduction 160
246	246	under certain circumstances; amending s. 627.0653, 161
247	247	F.S.; revising coverages that are subject to premium 162
248	248	discounts for specified motor vehicle equipment; 163
249	249	amending s. 627.4132, F.S.; revising coverages that 164
250	250	are subject to a stacking prohibition; amending s. 165
251	251	627.4137, F.S.; requiring that insurers disclose 166
252	252	certain information at the request of a claimant's 167
253	253	attorney; authorizing a claimant to file an action 168
254	254	under certain circumstances; providing for the award 169
255	255	of reasonable attorney fees and costs under certain 170
256	256	circumstances; amending s. 627.7263, F.S.; revising 171
257	257	coverages that are deemed primary, except under 172
258	258	certain circumstances, for the lessor of a motor 173
259	259	vehicle for lease or rent; revising a notice that is 174
260	260	required if the lessee's coverage is to be primary; 175
261	261
262	262	HB 429 2023
263	263
264	264
265	265
266	266	CODING: Words stricken are deletions; words underlined are additions.
267	267	hb0429-00
268	268	Page 8 of 147
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	creating s. 627.7265, F.S.; specifying persons whom 176
274	274	medical payments coverage must protect; specifying the 177
275	275	minimum medical expense limits; specifying coverage 178
276	276	options that an insurer is required and authorized to 179
277	277	offer; providing construction relating to limits on 180
278	278	certain other coverages; requiring insurers, upon 181
279	279	receiving certain notice of an accident, to hold a 182
280	280	specified reserve for certain purposes for a certain 183
281	281	timeframe; providing that the reserve requirement does 184
282	282	not require insurers to establish a claim reserve for 185
283	283	accounting purposes; prohibiting an insurer providin g 186
284	284	medical payments coverage benefits from seeking a lien 187
285	285	on a certain recovery and bringing a certain cause of 188
286	286	action; authorizing insurers to include policy 189
287	287	provisions allowing for subrogation, under certain 190
288	288	circumstances, for medical payments benefits pa id; 191
289	289	providing construction; specifying a requirement for 192
290	290	an insured for repayment of medical payments benefits 193
291	291	under certain circumstances; prohibiting insurers from 194
292	292	including policy provisions allowing for subrogation 195
293	293	for death benefits paid; amending s. 627.727, F.S.; 196
294	294	conforming provisions to changes made by the act; 197
295	295	revising the legal liability of an uninsured motorist 198
296	296	coverage insurer; amending s. 627.7275, F.S.; revising 199
297	297	required coverages for a motor vehicle insurance 200
298	298
299	299	HB 429 2023
300	300
301	301
302	302
303	303	CODING: Words stricken are deletions; words underlined are additions.
304	304	hb0429-00
305	305	Page 9 of 147
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	policy; conforming provisions to changes made by the 201
311	311	act; creating s. 627.72761, F.S.; requiring motor 202
312	312	vehicle insurance policies to provide death benefits; 203
313	313	specifying requirements for such benefits; specifying 204
314	314	persons to whom such benefits may and may not be paid; 205
315	315	creating s. 627.7278, F .S.; defining the term "minimum 206
316	316	security requirements"; providing a prohibition, 207
317	317	requirements, applicability, and construction relating 208
318	318	to motor vehicle insurance policies as of a certain 209
319	319	date; requiring insurers to allow certain insureds to 210
320	320	make certain coverage changes, subject to certain 211
321	321	conditions; requiring an insurer to provide, by a 212
322	322	specified date, a specified notice to policyholders 213
323	323	relating to requirements under the act; amending s. 214
324	324	627.728, F.S.; conforming a provision to changes made 215
325	325	by the act; amending s. 627.7295, F.S.; revising the 216
326	326	definitions of the terms "policy" and "binder"; 217
327	327	revising the coverages of a motor vehicle insurance 218
328	328	policy for which a licensed general lines agent may 219
329	329	charge a specified fee; conforming provisions to 220
330	330	changes made by the act; amending s. 627.7415, F.S.; 221
331	331	revising additional liability insurance requirements 222
332	332	for commercial motor vehicles; amending s. 627.747, 223
333	333	F.S.; conforming provisions to changes made by the 224
334	334	act; amending s. 627.748, F.S.; revising insurance 225
335	335
336	336	HB 429 2023
337	337
338	338
339	339
340	340	CODING: Words stricken are deletions; words underlined are additions.
341	341	hb0429-00
342	342	Page 10 of 147
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	requirements for transportation network company 226
348	348	drivers; conforming provisions to changes made by the 227
349	349	act; conforming cross -references; amending s. 228
350	350	627.7483, F.S.; conforming provisions to changes made 229
351	351	by the act; amending s. 627.749, F.S.; conforming a 230
352	352	provision to changes made by the act; amending s. 231
353	353	627.8405, F.S.; revising coverages in a policy sold in 232
354	354	combination with an accidental death and dismemberment 233
355	355	policy which a premium finance company may not 234
356	356	finance; revising rulemaking authority of the 235
357	357	Financial Services Commission; amending ss. 627.915, 236
358	358	628.909, 705.184, and 713.78, F.S.; conforming 237
359	359	provisions to changes made by the act; amending s. 238
360	360	817.234, F.S.; revising coverages that are the basis 239
361	361	of specified prohibited false and fraudulent insurance 240
362	362	claims; conforming provisions to changes made by the 241
363	363	act; deleting provisions relating to prohibited 242
364	364	changes in certain mental or physical reports; 243
365	365	providing an appropriation; providing effective dates. 244
366	366	245
367	367	Be It Enacted by the Legislature of the State of Florida: 246
368	368	247
369	369	Section 1. Sections 627.730, 627.731, 627.7311, 627.732, 248
370	370	627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403, 249
371	371	and 627.7405, Florida Statutes, are repealed. 250
372	372
373	373	HB 429 2023
374	374
375	375
376	376
377	377	CODING: Words stricken are deletions; words underlined are additions.
378	378	hb0429-00
379	379	Page 11 of 147
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	Section 2. Section 627.7407, Florida Statutes, is 251
385	385	repealed. 252
386	386	Section 3. Paragraph (e) of subsection (2) of section 253
387	387	316.2122, Florida Statutes, is amended to read: 254
388	388	316.2122 Operation of a low -speed vehicle, mini truck, or 255
389	389	low-speed autonomous delivery vehicle on certain roadways. — 256
390	390	(2) The operation of a low -speed autonomous del ivery 257
391	391	vehicle on any road is authorized with the following 258
392	392	restrictions: 259
393	393	(e) A low-speed autonomous delivery vehicle must be 260
394	394	covered by a policy of automobile insurance which provides the 261
395	395	coverage required by s. 627.749(2)(a)1. and, 2., and 3. The 262
396	396	coverage requirements of this paragraph may be satisfied by 263
397	397	automobile insurance maintained by the owner of a low -speed 264
398	398	autonomous delivery vehicle, the owner of the teleoperation 265
399	399	system, the remote human operator, or a combination thereof. 266
400	400	Section 4. Subsection (1) of section 316.646, Florida 267
401	401	Statutes, is amended to read: 268
402	402	316.646 Security required; proof of security and display 269
403	403	thereof.— 270
404	404	(1) Any person required by s. 324.022 to maintain 271
405	405	liability security for property damage, liability security, 272
406	406	required by s. 324.023 to maintain liability security for bodily 273
407	407	injury, or death, or required by s. 627.733 to maintain personal 274
408	408	injury protection security on a motor vehicle shall have in his 275
409	409
410	410	HB 429 2023
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412	412
413	413
414	414	CODING: Words stricken are deletions; words underlined are additions.
415	415	hb0429-00
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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	or her immediate possession at all times while operating a such 276
422	422	motor vehicle proper proof of maintenance of the required 277
423	423	security required under s. 324.021(7) . 278
424	424	(a) Such proof must shall be in a uniform paper or 279
425	425	electronic format, as prescribed by the department, a valid 280
426	426	insurance policy, an insurance policy binder, a cert ificate of 281
427	427	insurance, or such other proof as may be prescribed by the 282
428	428	department. 283
429	429	(b)1. The act of presenting to a law enforcement officer 284
430	430	an electronic device displaying proof of insurance in an 285
431	431	electronic format does not constitute consent for the offi cer to 286
432	432	access any information on the device other than the displayed 287
433	433	proof of insurance. 288
434	434	2. The person who presents the device to the officer 289
435	435	assumes the liability for any resulting damage to the device. 290
436	436	Section 5. Paragraph (b) of subsection (2) of section 291
437	437	318.18, Florida Statutes, is amended to read: 292
438	438	318.18 Amount of penalties. —The penalties required for a 293
439	439	noncriminal disposition pursuant to s. 318.14 or a criminal 294
440	440	offense listed in s. 318.17 are as follows: 295
441	441	(2) Thirty dollars for all nonmoving traffic violations 296
442	442	and: 297
443	443	(b) For all violations of ss. 320.0605, 320.07(1), 298
444	444	322.065, and 322.15(1). A Any person who is cited for a 299
445	445	violation of s. 320.07(1) shall be charged a delinquent fee 300
446	446
447	447	HB 429 2023
448	448
449	449
450	450
451	451	CODING: Words stricken are deletions; words underlined are additions.
452	452	hb0429-00
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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	pursuant to s. 320.07(4). 301
459	459	1. If a person who is cited for a v iolation of s. 320.0605 302
460	460	or s. 320.07 can show proof of having a valid registration at 303
461	461	the time of arrest, the clerk of the court may dismiss the case 304
462	462	and may assess a dismissal fee of up to $10, from which the 305
463	463	clerk shall remit $2.50 to the Department of R evenue for deposit 306
464	464	into the General Revenue Fund. A person who finds it impossible 307
465	465	or impractical to obtain a valid registration certificate must 308
466	466	submit an affidavit detailing the reasons for the impossibility 309
467	467	or impracticality. The reasons may include, bu t are not limited 310
468	468	to, the fact that the vehicle was sold, stolen, or destroyed; 311
469	469	that the state in which the vehicle is registered does not issue 312
470	470	a certificate of registration; or that the vehicle is owned by 313
471	471	another person. 314
472	472	2. If a person who is cited fo r a violation of s. 322.03, 315
473	473	s. 322.065, or s. 322.15 can show a driver license issued to him 316
474	474	or her and valid at the time of arrest, the clerk of the court 317
475	475	may dismiss the case and may assess a dismissal fee of up to 318
476	476	$10, from which the clerk shall remit $ 2.50 to the Department of 319
477	477	Revenue for deposit into the General Revenue Fund. 320
478	478	3. If a person who is cited for a violation of s. 316.646 321
479	479	can show proof of security as required by s. 324.021(7) s. 322
480	480	627.733, issued to the person and valid at the time of arres t, 323
481	481	the clerk of the court may dismiss the case and may assess a 324
482	482	dismissal fee of up to $10, from which the clerk shall remit 325
483	483
484	484	HB 429 2023
485	485
486	486
487	487
488	488	CODING: Words stricken are deletions; words underlined are additions.
489	489	hb0429-00
490	490	Page 14 of 147
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	$2.50 to the Department of Revenue for deposit into the General 326
496	496	Revenue Fund. A person who finds it impossible or impractical to 327
497	497	obtain proof of security must submit an affidavit detailing the 328
498	498	reasons for the impracticality. The reasons may include, but are 329
499	499	not limited to, the fact that the vehicle has since been sold, 330
500	500	stolen, or destroyed ; that the owner or registrant of the 331
501	501	vehicle is not required by s. 627.733 to maintain personal 332
502	502	injury protection insurance; or that the vehicle is owned by 333
503	503	another person. 334
504	504	Section 6. Paragraphs (a) and (d) of subsection (5) of 335
505	505	section 320.02, Florida Statutes, are amended to read: 336
506	506	320.02 Registration required; application for 337
507	507	registration; forms. — 338
508	508	(5)(a) Proof that bodily injury liability coverage and 339
509	509	property damage liability coverage personal injury protection 340
510	510	benefits have been purchased if required under s. 324.022, s. 341
511	511	324.032, or s. 627.742 s. 627.733, that property damage 342
512	512	liability coverage has been purchased as required under s. 343
513	513	324.022, that bodily injury liability or death coverage has been 344
514	514	purchased if required under s. 324.023, and that combined bodily 345
515	515	liability insurance and proper ty damage liability insurance have 346
516	516	been purchased if required under s. 627.7415 must shall be 347
517	517	provided in the manner prescribed by law by the applicant at the 348
518	518	time of application for registration of any motor vehicle that 349
519	519	is subject to such requirements. T he issuing agent may not shall 350
520	520
521	521	HB 429 2023
522	522
523	523
524	524
525	525	CODING: Words stricken are deletions; words underlined are additions.
526	526	hb0429-00
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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	refuse to issue registration if such proof of purchase is not 351
533	533	provided. Insurers shall furnish uniform proof -of-purchase cards 352
534	534	in a paper or electronic format in a form prescribed by the 353
535	535	department and include the name of the insured's insurance 354
536	536	company, the coverage identification number, and the make, year, 355
537	537	and vehicle identification number of the vehicle insured. The 356
538	538	card must contain a statement notifying the applicant of the 357
539	539	penalty specified under s. 316.646(4). The card or insurance 358
540	540	policy, insurance policy binder, or certificate of insurance or 359
541	541	a photocopy of any of these; an affidavit containing the name of 360
542	542	the insured's insurance company, the insured's policy number, 361
543	543	and the make and year of the vehicle insured; or su ch other 362
544	544	proof as may be prescribed by the department constitutes shall 363
545	545	constitute sufficient proof of purchase. If an affidavit is 364
546	546	provided as proof, it must be in substantially the following 365
547	547	form: 366
548	548	367
549	549	Under penalty of perjury, I ...(Name of insured)... do h ereby 368
550	550	certify that I have ...( bodily injury liability and Personal 369
551	551	Injury Protection, property damage liability , and, if required, 370
552	552	Bodily Injury Liability )... insurance currently in effect with 371
553	553	...(Name of insurance company)... under ...(policy number)... 372
554	554	covering ...(make, year, and vehicle identification number of 373
555	555	vehicle).... ...(Signature of Insured)... 374
556	556	375
557	557
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560	560
561	561
562	562	CODING: Words stricken are deletions; words underlined are additions.
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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	Such affidavit must include the following warning: 376
570	570	377
571	571	WARNING: GIVING FALSE INFORMATION IN ORDER TO OBTAIN A VEHICLE 378
572	572	REGISTRATION CERTIFICATE IS A CRIMIN AL OFFENSE UNDER FLORIDA 379
573	573	LAW. ANYONE GIVING FALSE INFORMATION ON THIS AFFIDAVIT IS 380
574	574	SUBJECT TO PROSECUTION. 381
575	575	382
576	576	If an application is made through a licensed motor vehicle 383
577	577	dealer as required under s. 319.23, the original or a photocopy 384
578	578	photostatic copy of such card, insurance policy, insurance 385
579	579	policy binder, or certificate of insurance or the original 386
580	580	affidavit from the insured must shall be forwarded by the dealer 387
581	581	to the tax collector of the county or the Department of Highway 388
582	582	Safety and Motor Vehicles for proc essing. By executing the 389
583	583	aforesaid affidavit, a no licensed motor vehicle dealer is not 390
584	584	will be liable in damages for any inadequacy, insufficiency, or 391
585	585	falsification of any statement contained therein. A card must 392
586	586	also indicate the existence of any bodily injury liability 393
587	587	insurance voluntarily purchased. 394
588	588	(d) The verifying of proof of personal injury protection 395
589	589	insurance, proof of property damage liability insurance, proof 396
590	590	of combined bodily liability insurance and property damage 397
591	591	liability insurance, or proof of financial responsibility 398
592	592	insurance and the issuance or failure to issue the motor vehicle 399
593	593	registration under the provisions of this chapter may not be 400
594	594
595	595	HB 429 2023
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597	597
598	598
599	599	CODING: Words stricken are deletions; words underlined are additions.
600	600	hb0429-00
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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	construed in any court as a warranty of the reliability or 401
607	607	accuracy of the evidence of such proof or as meaning that the 402
608	608	provisions of any insurance policy furnished as proof of 403
609	609	financial responsibility comply with state law . Neither the 404
610	610	department nor any tax collector is liable in damages for any 405
611	611	inadequacy, insufficiency, falsification, or unauthor ized 406
612	612	modification of any item of the proof of personal injury 407
613	613	protection insurance, proof of property damage liability 408
614	614	insurance, proof of combined bodily liability insurance and 409
615	615	property damage liability insurance, or proof of financial 410
616	616	responsibility before insurance prior to, during, or subsequent 411
617	617	to the verification of the proof. The issuance of a motor 412
618	618	vehicle registration does not constitute prima facie evidence or 413
619	619	a presumption of insurance coverage. 414
620	620	Section 7. Paragraph (b) of subsection (1) of section 415
621	621	320.0609, Florida Statutes, is amended to read: 416
622	622	320.0609 Transfer and exchange of registration license 417
623	623	plates; transfer fee. — 418
624	624	(1) 419
625	625	(b) The transfer of a license plate from a vehicle 420
626	626	disposed of to a newly acquired vehicle does not constitute a 421
627	627	new registration. The application for transfer must shall be 422
628	628	accepted without requiring proof of personal injury protection 423
629	629	or liability insurance. 424
630	630	Section 8. Subsection (3) of section 320.27, Florida 425
631	631
632	632	HB 429 2023
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634	634
635	635
636	636	CODING: Words stricken are deletions; words underlined are additions.
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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	Statutes, is amended, and paragraph (g) is added to subsection 426
644	644	(1) of that section, to read: 427
645	645	320.27 Motor vehicle dealers. — 428
646	646	(1) DEFINITIONS.—The following words, terms, and phrases 429
647	647	when used in this section have the meanings respectively 430
648	648	ascribed to them in this subsection, except where the context 431
649	649	clearly indicates a different meaning: 432
650	650	(g) "Garage liability insurance" means, beginning July 1, 433
651	651	2024, combined single -limit liability coverage, including 434
652	652	property damage and bodily injury liability coverage, in the 435
653	653	amount of at least $60,000. 436
654	654	(3) APPLICATION AND FEE.—The application for the license 437
655	655	application must shall be in such form as may be prescribed by 438
656	656	the department and is shall be subject to such rules with 439
657	657	respect thereto as may be so prescribed by the department it. 440
658	658	Such application must shall be verified by oath or affirmation 441
659	659	and must shall contain a full statement of the name and birth 442
660	660	date of the person or persons applying for the license therefor; 443
661	661	the name of the firm or copartnership, with the names and places 444
662	662	of residence of all members thereof, if such applicant is a firm 445
663	663	or copartnership; the names and places of residence of the 446
664	664	principal officers, if the applicant is a body corporate or 447
665	665	other artificial body; the name of the state under whose laws 448
666	666	the corporation is organized; the pres ent and former place or 449
667	667	places of residence of the applicant; and the prior business in 450
668	668
669	669	HB 429 2023
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671	671
672	672
673	673	CODING: Words stricken are deletions; words underlined are additions.
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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	which the applicant has been engaged and its the location 451
681	681	thereof. The Such application must shall describe the exact 452
682	682	location of the place of business and must shall state whether 453
683	683	the place of business is owned by the applicant and when 454
684	684	acquired, or, if leased, a true copy of the lease must shall be 455
685	685	attached to the application. The applicant shall certify that 456
686	686	the location provides an adequately equipped office and is not a 457
687	687	residence; that the location affords sufficient unoccupied space 458
688	688	upon and within which adequately to store all motor vehicles 459
689	689	offered and displayed for sale; and that the location is a 460
690	690	suitable place where the applicant can in good faith carry on 461
691	691	such business and keep and maintain books, records, and files 462
692	692	necessary to conduct such business, which must shall be 463
693	693	available at all reasonable hours to inspection by the 464
694	694	department or any of its inspectors or other employees. The 465
695	695	applicant shall certify t hat the business of a motor vehicle 466
696	696	dealer is the principal business that will which shall be 467
697	697	conducted at that location. The application must shall contain a 468
698	698	statement that the applicant is either franchised by a 469
699	699	manufacturer of motor vehicles, in which c ase the name of each 470
700	700	motor vehicle that the applicant is franchised to sell must 471
701	701	shall be included, or an independent (nonfranchised) motor 472
702	702	vehicle dealer. The application must shall contain other 473
703	703	relevant information as may be required by the department . The 474
704	704	applicant shall furnish , including evidence, in a form approved 475
705	705
706	706	HB 429 2023
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708	708
709	709
710	710	CODING: Words stricken are deletions; words underlined are additions.
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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	by the department, that the applicant is insured under a garage 476
718	718	liability insurance policy or a general liability insurance 477
719	719	policy coupled with a business automobile policy having the 478
720	720	coverages and limits of garage liability insurance coverage in 479
721	721	accordance with paragraph (1)(g) , which shall include, at a 480
722	722	minimum, $25,000 combined single -limit liability coverage 481
723	723	including bodily injury and property damage protection and 482
724	724	$10,000 personal inj ury protection. However, a salvage motor 483
725	725	vehicle dealer as defined in subparagraph (1)(c)5. is exempt 484
726	726	from the requirements for garage liability insurance and 485
727	727	personal injury protection insurance on those vehicles that 486
728	728	cannot be legally operated on roads, highways, or streets in 487
729	729	this state. Franchise dealers must submit a garage liability 488
730	730	insurance policy, and all other dealers must submit a garage 489
731	731	liability insurance policy or a general liability insurance 490
732	732	policy coupled with a business automobile policy. Such policy 491
733	733	must shall be for the license period, and evidence of a new or 492
734	734	continued policy must shall be delivered to the department at 493
735	735	the beginning of each license period. A licensee shall deliver 494
736	736	to the department, in the manner prescribed by the depar tment, 495
737	737	within 10 calendar days after any renewal or continuation of or 496
738	738	change in such policy or within 10 calendar days after any 497
739	739	issuance of a new policy, a copy of the renewed, continued, 498
740	740	changed, or new policy. Upon making an initial application, the 499
741	741	applicant shall pay to the department a fee of $300 in addition 500
742	742
743	743	HB 429 2023
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745	745
746	746
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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	to any other fees required by law. Applicants may choose to 501
755	755	extend the licensure period for 1 additional year for a total of 502
756	756	2 years. An initial applicant shall pay to the department a fee 503
757	757	of $300 for the first year and $75 for the second year, in 504
758	758	addition to any other fees required by law. An applicant for 505
759	759	renewal shall pay to the department $75 for a 1 -year renewal or 506
760	760	$150 for a 2-year renewal, in addition to any other fees 507
761	761	required by law. Upo n making an application for a change of 508
762	762	location, the applicant person shall pay a fee of $50 in 509
763	763	addition to any other fees now required by law. The department 510
764	764	shall, in the case of every application for initial licensure, 511
765	765	verify whether certain facts set forth in the application are 512
766	766	true. Each applicant, general partner in the case of a 513
767	767	partnership, or corporate officer and director in the case of a 514
768	768	corporate applicant shall, must file a set of fingerprints with 515
769	769	the department for the purpose of determinin g any prior criminal 516
770	770	record or any outstanding warrants. The department shall submit 517
771	771	the fingerprints to the Department of Law Enforcement for state 518
772	772	processing and forwarding to the Federal Bureau of Investigation 519
773	773	for federal processing. The actual cost of state and federal 520
774	774	processing must shall be borne by the applicant and is in 521
775	775	addition to the fee for licensure. The department may issue a 522
776	776	license to an applicant pending the results of the fingerprint 523
777	777	investigation, which license is fully revocable if the 524
778	778	department subsequently determines that any facts set forth in 525
779	779
780	780	HB 429 2023
781	781
782	782
783	783
784	784	CODING: Words stricken are deletions; words underlined are additions.
785	785	hb0429-00
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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	the application are not true or correctly represented. 526
792	792	Section 9. Paragraph (j) of subsection (3) of section 527
793	793	320.771, Florida Statutes, is amended to read: 528
794	794	320.771 License required of re creational vehicle dealers. — 529
795	795	(3) APPLICATION.—The application for such license shall be 530
796	796	in the form prescribed by the department and subject to such 531
797	797	rules as may be prescribed by it. The application shall be 532
798	798	verified by oath or affirmation and shall contain: 533
799	799	(j) Evidence that the applicant is insured under a garage 534
800	800	liability insurance policy in accordance with s. 320.27(1)(g) , 535
801	801	which shall include, at a minimum, $25,000 combined single -limit 536
802	802	liability coverage, including bodily injury and property da mage 537
803	803	protection, and $10,000 personal injury protection, if the 538
804	804	applicant is to be licensed as a dealer in, or intends to sell, 539
805	805	recreational vehicles. Such policy must be for the license 540
806	806	period. Within 10 calendar days after any renewal or 541
807	807	continuation of or material change in such policy or issuance of 542
808	808	a new policy, the licensee shall deliver to the department, in a 543
809	809	manner prescribed by the department, a copy of such renewed, 544
810	810	continued, changed, or new policy. However, a garage liability 545
811	811	policy is not required for the licensure of a mobile home dealer 546
812	812	who sells only park trailers. 547
813	813	548
814	814	The department shall, if it deems necessary, cause an 549
815	815	investigation to be made to ascertain if the facts set forth in 550
816	816
817	817	HB 429 2023
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819	819
820	820
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822	822	hb0429-00
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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	the application are true and shall not issue a license to th e 551
829	829	applicant until it is satisfied that the facts set forth in the 552
830	830	application are true. 553
831	831	Section 10. Subsections (1) and (2) of section 322.251, 554
832	832	Florida Statutes, are amended to read: 555
833	833	322.251 Notice of cancellation, suspension, revocation, or 556
834	834	disqualification of license. — 557
835	835	(1) All orders of cancellation, suspension, revocation, or 558
836	836	disqualification issued under the provisions of this chapter, 559
837	837	chapter 318, or chapter 324 must, or ss. 627.732-627.734 shall 560
838	838	be given either by personal delivery thereof to the licensee 561
839	839	whose license is being canceled, suspended, revoked, or 562
840	840	disqualified or by deposit in the United States mail in an 563
841	841	envelope, first class, postage prepaid, addressed to the 564
842	842	licensee at his or her last known mailing address furnished to 565
843	843	the department. Such mailing by the department constitutes 566
844	844	notification, and any failure by the person to receive the 567
845	845	mailed order will not affect or stay the effective date or term 568
846	846	of the cancellation, suspension, revocation, or disqualification 569
847	847	of the licensee's driving privilege. 570
848	848	(2) The giving of notice and an order of cancellation, 571
849	849	suspension, revocation, or disqualification by mail is complete 572
850	850	upon expiration of 20 days after deposit in the United States 573
851	851	mail for all notices except those issued under chapte r 324 or 574
852	852	ss. 627.732–627.734, which are complete 15 days after deposit in 575
853	853
854	854	HB 429 2023
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856	856
857	857
858	858	CODING: Words stricken are deletions; words underlined are additions.
859	859	hb0429-00
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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	the United States mail. Proof of the giving of notice and an 576
866	866	order of cancellation, suspension, revocation, or 577
867	867	disqualification in either manner must shall be made by entry in 578
868	868	the records of the department that such notice was given. The 579
869	869	entry is admissible in the courts of this state and constitutes 580
870	870	sufficient proof that such notice was given. 581
871	871	Section 11. Paragraph (a) of subsection (8) of section 582
872	872	322.34, Florida Statutes, is ame nded to read: 583
873	873	322.34 Driving while license suspended, revoked, canceled, 584
874	874	or disqualified.— 585
875	875	(8)(a) Upon the arrest of a person for the offense of 586
876	876	driving while the person's driver license or driving privilege 587
877	877	is suspended or revoked, the arresting offic er shall determine: 588
878	878	1. Whether the person's driver license is suspended or 589
879	879	revoked, or the person is under suspension or revocation 590
880	880	equivalent status. 591
881	881	2. Whether the person's driver license has remained 592
882	882	suspended or revoked, or the person has been unde r suspension or 593
883	883	revocation equivalent status, since a conviction for the offense 594
884	884	of driving with a suspended or revoked license. 595
885	885	3. Whether the suspension, revocation, or suspension or 596
886	886	revocation equivalent status was made under s. 316.646 or s. 597
887	887	627.733, relating to failure to maintain required security, or 598
888	888	under s. 322.264, relating to habitual traffic offenders. 599
889	889	4. Whether the driver is the registered owner or co -owner 600
890	890
891	891	HB 429 2023
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893	893
894	894
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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	of the vehicle. 601
903	903	Section 12. Section 324.011, Florida Statutes, is amended 602
904	904	to read: 603
905	905	324.011 Legislative intent; purpose of chapter.— 604
906	906	(1) It is the intent of the Legislature that this chapter: 605
907	907	(a) Ensure that the privilege of owning or operating a 606
908	908	motor vehicle in this state is exercised to recognize the 607
909	909	existing privilege to o wn or operate a motor vehicle on the 608
910	910	public streets and highways of this state when such vehicles are 609
911	911	used with due consideration for the safety of others and their 610
912	912	property., and to 611
913	913	(b) Promote safety. and 612
914	914	(c) Provide financial security requirements f or such 613
915	915	owners and or operators whose responsibility it is to recompense 614
916	916	others for injury to person or property caused by the operation 615
917	917	of a motor vehicle. 616
918	918	(2) The purpose of this chapter is to require that every 617
919	919	owner or operator of a motor vehicle req uired to be registered 618
920	920	in this state establish, maintain, Therefore, it is required 619
921	921	herein that the operator of a motor vehicle involved in a crash 620
922	922	or convicted of certain traffic offenses meeting the operative 621
923	923	provisions of s. 324.051(2) shall respond for such damages and 622
924	924	show proof of financial ability to respond for damages arising 623
925	925	out of the ownership, maintenance, or use of a motor vehicle in 624
926	926	future accidents as a requisite to owning or operating a motor 625
927	927
928	928	HB 429 2023
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930	930
931	931
932	932	CODING: Words stricken are deletions; words underlined are additions.
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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	vehicle in this state his or her future exercise of such 626
940	940	privileges. 627
941	941	Section 13. Subsections (1) and (7) and paragraph (c) of 628
942	942	subsection (9) of section 324.021, Florida Statutes, are 629
943	943	amended, and subsection (12) is added to that section, to read: 630
944	944	324.021 Definitions; minimum insurance required. —The 631
945	945	following words and phrases when used in this chapter shall, for 632
946	946	the purpose of this chapter, have the meanings respectively 633
947	947	ascribed to them in this section, except in those instances 634
948	948	where the context clearly indicates a different meaning: 635
949	949	(1) MOTOR VEHICLE.—Every self-propelled vehicle that is 636
950	950	designed and required to be licensed for use upon a highway, 637
951	951	including trailers and semitrailers designed for use with such 638
952	952	vehicles, except traction engines, road rollers, farm tractors, 639
953	953	power shovels, and wel l drillers, and every vehicle that is 640
954	954	propelled by electric power obtained from overhead wires but not 641
955	955	operated upon rails, but not including any personal delivery 642
956	956	device or mobile carrier as defined in s. 316.003, bicycle, 643
957	957	electric bicycle, or moped. However, the term "motor vehicle" 644
958	958	does not include a motor vehicle as defined in s. 627.732(3) 645
959	959	when the owner of such vehicle has complied with the 646
960	960	requirements of ss. 627.730 -627.7405, inclusive, unless the 647
961	961	provisions of s. 324.051 apply; and, in such case, t he 648
962	962	applicable proof of insurance provisions of s. 320.02 apply. 649
963	963	(7) PROOF OF FINANCIAL RESPONSIBILITY. —Beginning July 1, 650
964	964
965	965	HB 429 2023
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967	967
968	968
969	969	CODING: Words stricken are deletions; words underlined are additions.
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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	2024, That proof of ability to respond in damages for liability 651
977	977	on account of crashes arising out of the ownership, maintenance, 652
978	978	or use of a motor vehicle: 653
979	979	(a) With respect to a motor vehicle other than a 654
980	980	commercial motor vehicle, nonpublic sector bus, or for -hire 655
981	981	passenger transportation vehicle, in the amounts specified in s. 656
982	982	324.022(1). in the amount of $10,000 because of bodily in jury 657
983	983	to, or death of, one person in any one crash; 658
984	984	(b) Subject to such limits for one person, in the amount 659
985	985	of $20,000 because of bodily injury to, or death of, two or more 660
986	986	persons in any one crash; 661
987	987	(c) In the amount of $10,000 because of injury to, or 662
988	988	destruction of, property of others in any one crash; and 663
989	989	(b)(d) With respect to commercial motor vehicles and 664
990	990	nonpublic sector buses , in the amounts specified in s. 627.7415 665
991	991	ss. 627.7415 and 627.742, respectively . 666
992	992	(c) With respect to nonpublic sector buses, in the amounts 667
993	993	specified in s. 627.742. 668
994	994	(d) With respect to for -hire passenger transportation 669
995	995	vehicles, in the amounts specified in s. 324.032. 670
996	996	(9) OWNER; OWNER/LESSOR. — 671
997	997	(c) Application.— 672
998	998	1. The limits on liability in subparagraphs (b)2. and 3. 673
999	999	do not apply to an owner of motor vehicles that are used for 674
1000	1000	commercial activity in the owner's ordinary course of business, 675
1001	1001
1002	1002	HB 429 2023
1003	1003
1004	1004
1005	1005
1006	1006	CODING: Words stricken are deletions; words underlined are additions.
1007	1007	hb0429-00
1008	1008	Page 28 of 147
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	other than a rental company that rents or leases motor vehicles. 676
1014	1014	For purposes of this paragraph, the term "rental company" 677
1015	1015	includes only an entity that is engaged in the business of 678
1016	1016	renting or leasing motor vehicles to the general public and that 679
1017	1017	rents or leases a majority of its motor vehicles to persons with 680
1018	1018	no direct or indirect affiliation with the rental company. The 681
1019	1019	term "rental company" also includes: 682
1020	1020	a. A related rental or leasing company that is a 683
1021	1021	subsidiary of the same parent company as that of the renting or 684
1022	1022	leasing company that rented or leased the vehicle. 685
1023	1023	b. The holder of a motor vehicle title or an equity 686
1024	1024	interest in a motor vehicle title if the title or equity 687
1025	1025	interest is held pursuant to or to facilitate an asset -backed 688
1026	1026	securitization of a fleet of motor vehicles used solely in the 689
1027	1027	business of renting or leasing motor vehicles to the general 690
1028	1028	public and under the dominion and control of a rental company, 691
1029	1029	as described in this subparagraph, in the operation of such 692
1030	1030	rental company's business. 693
1031	1031	2. Furthermore, with respect to commercial motor vehicles 694
1032	1032	as defined in s. 207.002 or s. 320.01(25) s. 627.732, the limits 695
1033	1033	on liability in subparagraphs (b)2. and 3. do not apply if, at 696
1034	1034	the time of the incident, the commercial motor vehicle is being 697
1035	1035	used in the transportation of materials found to be hazardous 698
1036	1036	for the purposes of the Hazardous Materials Transportation 699
1037	1037	Authorization Act of 1994, as amended, 49 U.S.C. ss. 5101 et 700
1038	1038
1039	1039	HB 429 2023
1040	1040
1041	1041
1042	1042
1043	1043	CODING: Words stricken are deletions; words underlined are additions.
1044	1044	hb0429-00
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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	seq., and that is required pursuant to such act to carry 701
1051	1051	placards warning others of the hazardous cargo, unless at the 702
1052	1052	time of lease or rental either: 703
1053	1053	a. The lessee indicates in writing that the vehicle will 704
1054	1054	not be used to transport materials found to be hazardous for the 705
1055	1055	purposes of the Hazardous Materials Transportation Authorization 706
1056	1056	Act of 1994, as amended, 49 U.S.C. ss. 5101 et seq.; or 707
1057	1057	b. The lessee or other operator of the commercial motor 708
1058	1058	vehicle has in effect insurance with limits of at least $5 709
1059	1059	million $5,000,000 combined property damage and bodily injury 710
1060	1060	liability. 711
1061	1061	3.a. A motor vehicle dealer, or a motor vehicle dealer's 712
1062	1062	leasing or rental affiliate, that provides a temporary 713
1063	1063	replacement vehicle at no charge or at a reasonable daily charge 714
1064	1064	to a service customer whose vehicle is being held for repair, 715
1065	1065	service, or adjustment by the motor vehicle dealer is immune 716
1066	1066	from any cause of action and is not liable, vicariously or 717
1067	1067	directly, under gener al law solely by reason of being the owner 718
1068	1068	of the temporary replacement vehicle for harm to persons or 719
1069	1069	property that arises out of the use, or operation, of the 720
1070	1070	temporary replacement vehicle by any person during the period 721
1071	1071	the temporary replacement vehicle has been entrusted to the 722
1072	1072	motor vehicle dealer's service customer if there is no 723
1073	1073	negligence or criminal wrongdoing on the part of the motor 724
1074	1074	vehicle owner, or its leasing or rental affiliate. 725
1075	1075
1076	1076	HB 429 2023
1077	1077
1078	1078
1079	1079
1080	1080	CODING: Words stricken are deletions; words underlined are additions.
1081	1081	hb0429-00
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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	b. For purposes of this section, and notwithstanding any 726
1088	1088	other provision of general law, a motor vehicle dealer, or a 727
1089	1089	motor vehicle dealer's leasing or rental affiliate, that gives 728
1090	1090	possession, control, or use of a temporary replacement vehicle 729
1091	1091	to a motor vehicle dealer's service customer may not be adjudged 730
1092	1092	liable in a civil proceeding absent negligence or criminal 731
1093	1093	wrongdoing on the part of the motor vehicle dealer, or the motor 732
1094	1094	vehicle dealer's leasing or rental affiliate, if the motor 733
1095	1095	vehicle dealer or the motor vehicle dealer's leasing or rental 734
1096	1096	affiliate executes a written rental or use agreement and obtains 735
1097	1097	from the person receiving the temporary replacement vehicle a 736
1098	1098	copy of the person's driver license and insurance information 737
1099	1099	reflecting at least the minimum motor vehicle insurance coverage 738
1100	1100	required in the state . Any subsequent determination that the 739
1101	1101	driver license or insurance information provided to the motor 740
1102	1102	vehicle dealer, or the motor vehicle dealer's leasing or rental 741
1103	1103	affiliate, was in any way false, fraudulent, misleading, 742
1104	1104	nonexistent, canceled, not in eff ect, or invalid does not alter 743
1105	1105	or diminish the protections provided by this section, unless the 744
1106	1106	motor vehicle dealer, or the motor vehicle dealer's leasing or 745
1107	1107	rental affiliate, had actual knowledge thereof at the time 746
1108	1108	possession of the temporary replacemen t vehicle was provided. 747
1109	1109	c. For purposes of this subparagraph, the term "service 748
1110	1110	customer" does not include an agent or a principal of a motor 749
1111	1111	vehicle dealer or a motor vehicle dealer's leasing or rental 750
1112	1112
1113	1113	HB 429 2023
1114	1114
1115	1115
1116	1116
1117	1117	CODING: Words stricken are deletions; words underlined are additions.
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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	affiliate, and does not include an employee of a mo tor vehicle 751
1125	1125	dealer or a motor vehicle dealer's leasing or rental affiliate 752
1126	1126	unless the employee was provided a temporary replacement 753
1127	1127	vehicle: 754
1128	1128	(I) While the employee's personal vehicle was being held 755
1129	1129	for repair, service, or adjustment by the motor vehicle dealer; 756
1130	1130	(II) In the same manner as other customers who are 757
1131	1131	provided a temporary replacement vehicle while the customer's 758
1132	1132	vehicle is being held for repair, service, or adjustment; and 759
1133	1133	(III) The employee was not acting within the course and 760
1134	1134	scope of his or her employment. 761
1135	1135	(12) FOR-HIRE PASSENGER TRANSPORTATION VEHICLE. —Every for-762
1136	1136	hire vehicle as defined in s. 320.01(15) which is offered or 763
1137	1137	used to provide transportation for persons, including taxicabs, 764
1138	1138	limousines, and jitneys. 765
1139	1139	Section 14. Section 324 .022, Florida Statutes, is amended 766
1140	1140	to read: 767
1141	1141	324.022 Financial responsibility requirements for property 768
1142	1142	damage.— 769
1143	1143	(1)(a) Beginning July 1, 2024, every owner or operator of 770
1144	1144	a motor vehicle required to be registered in this state shall 771
1145	1145	establish and continuously maintain the ability to respond in 772
1146	1146	damages for liability on account of accidents arising out of the 773
1147	1147	use of the motor vehicle in the amount of : 774
1148	1148	1. Twenty-five thousand dollars for bodily injury to, or 775
1149	1149
1150	1150	HB 429 2023
1151	1151
1152	1152
1153	1153
1154	1154	CODING: Words stricken are deletions; words underlined are additions.
1155	1155	hb0429-00
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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	the death of, one person in any one crash and, subject to such 776
1162	1162	limits for one person, in the amount of $50,000 for bodily 777
1163	1163	injury to, or the death of, two or more persons in any one 778
1164	1164	crash; and 779
1165	1165	2. Ten thousand dollars for $10,000 because of damage to, 780
1166	1166	or destruction of, property of others in any one cr ash. 781
1167	1167	(b) The requirements of paragraph (a) this section may be 782
1168	1168	met by one of the methods established in s. 324.031; by self -783
1169	1169	insuring as authorized by s. 768.28(16); or by maintaining a 784
1170	1170	motor vehicle liability insurance policy that an insurance 785
1171	1171	policy providing coverage for property damage liability in the 786
1172	1172	amount of at least $10,000 because of damage to, or destruction 787
1173	1173	of, property of others in any one accident arising out of the 788
1174	1174	use of the motor vehicle. The requirements of this section may 789
1175	1175	also be met by having a policy which provides combined property 790
1176	1176	damage liability and bodily injury liability coverage for any 791
1177	1177	one crash arising out of the ownership, maintenance, or use of a 792
1178	1178	motor vehicle and that conforms to the requirements of s. 793
1179	1179	324.151 in the amount of at least $60,000 for every owner or 794
1180	1180	operator subject to the financial responsibility required in 795
1181	1181	paragraph (a) $30,000 for combined property damage liability and 796
1182	1182	bodily injury liability for any one crash arising out of the use 797
1183	1183	of the motor vehicle. The policy, with respect to coverage for 798
1184	1184	property damage liability, must meet the applicable requirements 799
1185	1185	of s. 324.151, subject to the usual policy exclusions that have 800
1186	1186
1187	1187	HB 429 2023
1188	1188
1189	1189
1190	1190
1191	1191	CODING: Words stricken are deletions; words underlined are additions.
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1193	1193	Page 33 of 147
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	been approved in policy forms by the Office of Insurance 801
1199	1199	Regulation. No insurer shall hav e any duty to defend uncovered 802
1200	1200	claims irrespective of their joinder with covered claims . 803
1201	1201	(2) As used in this section, the term: 804
1202	1202	(a) "Motor vehicle" means any self -propelled vehicle that 805
1203	1203	has four or more wheels and that is of a type designed and 806
1204	1204	required to be licensed for use on the highways of this state, 807
1205	1205	and any trailer or semitrailer designed for use with such 808
1206	1206	vehicle. The term does not include the following: 809
1207	1207	1. A mobile home as defined in s. 320.01(2)(a) . 810
1208	1208	2. A motor vehicle that is used in mass transit and 811
1209	1209	designed to transport more than five passengers, exclusive of 812
1210	1210	the operator of the motor vehicle, and that is owned by a 813
1211	1211	municipality, transit authority, or political subdivision of the 814
1212	1212	state. 815
1213	1213	3. A school bus as defined in s. 1006.25 , which must 816
1214	1214	maintain security as required under s. 316.615 . 817
1215	1215	4. A commercial motor vehicle as defined in s. 207.002 or 818
1216	1216	s. 320.01(25), which must maintain security as required under 819
1217	1217	ss. 324.031 and 627.7415. 820
1218	1218	5. A nonpublic sector bus, which must maintain security as 821
1219	1219	required under ss. 324.031 and 627.742. 822
1220	1220	6.4. A vehicle providing for-hire passenger transportation 823
1221	1221	vehicle, which must that is subject to the provisions of s. 824
1222	1222	324.031. A taxicab shall maintain security as required under s. 825
1223	1223
1224	1224	HB 429 2023
1225	1225
1226	1226
1227	1227
1228	1228	CODING: Words stricken are deletions; words underlined are additions.
1229	1229	hb0429-00
1230	1230	Page 34 of 147
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	324.032 s. 324.032(1). 826
1236	1236	7.5. A personal delivery device as defined in s. 316.003 , 827
1237	1237	which must maintain security as required under s. 316.2071(4) . 828
1238	1238	(b) "Owner" means the person who holds legal title to a 829
1239	1239	motor vehicle or the debtor or lessee who has the right to 830
1240	1240	possession of a moto r vehicle that is the subject of a security 831
1241	1241	agreement or lease with an option to purchase. 832
1242	1242	(3) Each nonresident owner or registrant of a motor 833
1243	1243	vehicle that, whether operated or not, has been physically 834
1244	1244	present within this state for more than 90 days duri ng the 835
1245	1245	preceding 365 days shall maintain security as required by 836
1246	1246	subsection (1). The security must be that is in effect 837
1247	1247	continuously throughout the period the motor vehicle remains 838
1248	1248	within this state. 839
1249	1249	(4) An The owner or registrant of a motor vehicle who is 840
1250	1250	exempt from the requirements of this section if she or he is a 841
1251	1251	member of the United States Armed Forces and is called to or on 842
1252	1252	active duty outside the United States in an emergency situation 843
1253	1253	is exempt from this section while he or she . The exemption 844
1254	1254	provided by this subsection applies only as long as the member 845
1255	1255	of the Armed Forces is on such active duty . This exemption 846
1256	1256	outside the United States and applies only while the vehicle 847
1257	1257	covered by the security is not operated by any person. Upon 848
1258	1258	receipt of a written request by the insured to whom the 849
1259	1259	exemption provided in this subsection applies, the insurer shall 850
1260	1260
1261	1261	HB 429 2023
1262	1262
1263	1263
1264	1264
1265	1265	CODING: Words stricken are deletions; words underlined are additions.
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1267	1267	Page 35 of 147
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	cancel the coverages and return any unearned premium or suspend 851
1273	1273	the security required by this sect ion. Notwithstanding s. 852
1274	1274	324.0221(2) s. 324.0221(3), the department may not suspend the 853
1275	1275	registration or operator's license of an any owner or registrant 854
1276	1276	of a motor vehicle during the time she or he qualifies for the 855
1277	1277	an exemption under this subsection. An Any owner or registrant 856
1278	1278	of a motor vehicle who qualifies for the an exemption under this 857
1279	1279	subsection shall immediately notify the department before prior 858
1280	1280	to and at the end of the expiration of the exemption. 859
1281	1281	Section 15. Subsections (1) and (2) of section 324.0221, 860
1282	1282	Florida Statutes, are amended to read: 861
1283	1283	324.0221 Reports by insurers to the department; suspension 862
1284	1284	of driver license and vehicle registrations; reinstatement. — 863
1285	1285	(1)(a) Each insurer that has issued a policy providing 864
1286	1286	personal injury protection c overage or property damage liability 865
1287	1287	coverage shall report the cancellation or nonrenewal thereof to 866
1288	1288	the department within 10 days after the processing date or 867
1289	1289	effective date of each cancellation or nonrenewal. Upon the 868
1290	1290	issuance of a policy providing personal injury protection 869
1291	1291	coverage or property damage liability coverage to a named 870
1292	1292	insured not previously insured by the insurer during that 871
1293	1293	calendar year, the insurer shall report the issuance of the new 872
1294	1294	policy to the department within 10 days. The report must shall 873
1295	1295	be in the form and format and contain any information required 874
1296	1296	by the department and must be provided in a format that is 875
1297	1297
1298	1298	HB 429 2023
1299	1299
1300	1300
1301	1301
1302	1302	CODING: Words stricken are deletions; words underlined are additions.
1303	1303	hb0429-00
1304	1304	Page 36 of 147
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	compatible with the data processing capabilities of the 876
1310	1310	department. Failure by an insurer to file proper reports with 877
1311	1311	the department as required by this subsection constitutes a 878
1312	1312	violation of the Florida Insurance Code. These records may shall 879
1313	1313	be used by the department only for enforcement and regulatory 880
1314	1314	purposes, including the generation by the department of data 881
1315	1315	regarding compliance by owners of motor vehicles with the 882
1316	1316	requirements for financial responsibility coverage. 883
1317	1317	(b) With respect to an insurance policy providing personal 884
1318	1318	injury protection coverage or property damage liability 885
1319	1319	coverage, each insurer shall notify the name d insured, or the 886
1320	1320	first-named insured in the case of a commercial fleet policy, in 887
1321	1321	writing that any cancellation or nonrenewal of the policy will 888
1322	1322	be reported by the insurer to the department. The notice must 889
1323	1323	also inform the named insured that failure to ma intain bodily 890
1324	1324	injury liability personal injury protection coverage and 891
1325	1325	property damage liability coverage on a motor vehicle when 892
1326	1326	required by law may result in the loss of registration and 893
1327	1327	driving privileges in this state and inform the named insured of 894
1328	1328	the amount of the reinstatement fees required by this section. 895
1329	1329	This notice is for informational purposes only, and an insurer 896
1330	1330	is not civilly liable for failing to provide this notice. 897
1331	1331	(2) The department shall suspend, after due notice and an 898
1332	1332	opportunity to be heard, the registration and driver license of 899
1333	1333	any owner or registrant of a motor vehicle for with respect to 900
1334	1334
1335	1335	HB 429 2023
1336	1336
1337	1337
1338	1338
1339	1339	CODING: Words stricken are deletions; words underlined are additions.
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1341	1341	Page 37 of 147
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	which security is required under s. 324.022, s. 324.023, s. 901
1347	1347	324.032, s. 627.7415, or s. 627.742 ss. 324.022 and 627.733 902
1348	1348	upon: 903
1349	1349	(a) The department's records showing that the owner or 904
1350	1350	registrant of such motor vehicle does did not have the in full 905
1351	1351	force and effect when required security in full force and effect 906
1352	1352	that complies with the requirements of ss. 324.022 and 627.733 ; 907
1353	1353	or 908
1354	1354	(b) Notification by the insurer to the department, in a 909
1355	1355	form approved by the department, of cancellation or termination 910
1356	1356	of the required security. 911
1357	1357	Section 16. Section 324.0222, Florida Statutes, is created 912
1358	1358	to read: 913
1359	1359	324.0222 Application of driver license and registration 914
1360	1360	suspensions for failure to maintain security; reinstatement. —All 915
1361	1361	suspensions of driver licenses or motor vehicle registrations 916
1362	1362	for failure to maintain security as required by law in effect 917
1363	1363	before July 1, 2024, remain in full force and effect after July 918
1364	1364	1, 2024. A driver may reinstate a suspended driver license or 919
1365	1365	registration as provided under s. 324.0221. 920
1366	1366	Section 17. Section 324.023, Florida Statutes, is amended 921
1367	1367	to read: 922
1368	1368	324.023 Financial responsibility for bodily injury or 923
1369	1369	death.—In addition to any other financial responsibility 924
1370	1370	required by law, every owner or operator of a motor vehicle that 925
1371	1371
1372	1372	HB 429 2023
1373	1373
1374	1374
1375	1375
1376	1376	CODING: Words stricken are deletions; words underlined are additions.
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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	is required to be registered in this state, or that is located 926
1384	1384	within this state, and who, regardless of adjudication of guilt, 927
1385	1385	has been found guilty of or ent ered a plea of guilty or nolo 928
1386	1386	contendere to a charge of driving under the influence under s. 929
1387	1387	316.193 after October 1, 2007, shall, by one of the methods 930
1388	1388	established in s. 324.031(1)(a) or (b) s. 324.031(1) or (2) , 931
1389	1389	establish and maintain the ability to resp ond in damages for 932
1390	1390	liability on account of accidents arising out of the use of a 933
1391	1391	motor vehicle in the amount of $100,000 because of bodily injury 934
1392	1392	to, or death of, one person in any one crash and, subject to 935
1393	1393	such limits for one person, in the amount of $300 ,000 because of 936
1394	1394	bodily injury to, or death of, two or more persons in any one 937
1395	1395	crash and in the amount of $50,000 because of property damage in 938
1396	1396	any one crash. If the owner or operator chooses to establish and 939
1397	1397	maintain such ability by furnishing a certificat e of deposit 940
1398	1398	pursuant to s. 324.031(1)(b) s. 324.031(2), such certificate of 941
1399	1399	deposit must be at least $350,000. Such higher limits must be 942
1400	1400	carried for a minimum period of 3 years. If the owner or 943
1401	1401	operator has not been convicted of driving under the influen ce 944
1402	1402	or a felony traffic offense for a period of 3 years from the 945
1403	1403	date of reinstatement of driving privileges for a violation of 946
1404	1404	s. 316.193, the owner or operator is shall be exempt from this 947
1405	1405	section. 948
1406	1406	Section 18. Section 324.031, Florida Statutes, is ame nded 949
1407	1407	to read: 950
1408	1408
1409	1409	HB 429 2023
1410	1410
1411	1411
1412	1412
1413	1413	CODING: Words stricken are deletions; words underlined are additions.
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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	324.031 Manner of proving financial responsibility. — 951
1421	1421	(1) The owner or operator of a taxicab, limousine, jitney, 952
1422	1422	or any other for-hire passenger transportation vehicle may prove 953
1423	1423	financial responsibility by providing satisfactory evidence of 954
1424	1424	holding a motor vehicle liability policy as defined in s. 955
1425	1425	324.021(8) or s. 324.151, which policy is issued by an insurance 956
1426	1426	carrier which is a member of the Florida Insurance Guaranty 957
1427	1427	Association. The operator or owner of a motor vehicle other than 958
1428	1428	a for-hire passenger transportation vehicle any other vehicle 959
1429	1429	may prove his or her financial responsibility by: 960
1430	1430	(a)(1) Furnishing satisfactory evidence of holding a motor 961
1431	1431	vehicle liability policy as defined in ss. 324.021(8) and 962
1432	1432	324.151 which provides liabili ty coverage for the motor vehicle 963
1433	1433	being operated; 964
1434	1434	(b)(2) Furnishing a certificate of self -insurance showing 965
1435	1435	a deposit of cash in accordance with s. 324.161; or 966
1436	1436	(c)(3) Furnishing a certificate of self -insurance issued 967
1437	1437	by the department in accordance wit h s. 324.171. 968
1438	1438	(2) Beginning July 1, 2024, any person, including any 969
1439	1439	firm, partnership, association, corporation, or other person, 970
1440	1440	other than a natural person, electing to use the method of proof 971
1441	1441	specified in paragraph (1)(b) subsection (2) shall do both of 972
1442	1442	the following: 973
1443	1443	(a) Furnish a certificate of deposit equal to the number 974
1444	1444	of vehicles owned times $60,000 $30,000, up to a maximum of 975
1445	1445
1446	1446	HB 429 2023
1447	1447
1448	1448
1449	1449
1450	1450	CODING: Words stricken are deletions; words underlined are additions.
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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	$240,000. $120,000; 976
1458	1458	(b) In addition, any such person, other than a natural 977
1459	1459	person, shall Maintain insurance providing coverage that meets 978
1460	1460	the requirements of s. 324.151 and has in excess of limits of: 979
1461	1461	1. At least $125,000 for bodily injury to, or the death 980
1462	1462	of, one person in any one crash and, subject to such limits for 981
1463	1463	one person, in the amount of $250,000 for bodily i njury to, or 982
1464	1464	the death of, two or more persons in any one crash; and $50,000 983
1465	1465	for damage to, or destruction of, property of others in any one 984
1466	1466	crash; or 985
1467	1467	2. At least $300,000 for combined bodily injury liability 986
1468	1468	and property damage liability for any one cra sh 987
1469	1469	$10,000/20,000/10,000 or $30,000 combined single limits, and 988
1470	1470	such excess insurance shall provide minimum limits of 989
1471	1471	$125,000/250,000/50,000 or $300,000 combined single limits. 990
1472	1472	These increased limits shall not affect the requirements for 991
1473	1473	proving financial responsibility under s. 324.032(1) . 992
1474	1474	Section 19. Section 324.032, Florida Statutes, is amended 993
1475	1475	to read: 994
1476	1476	324.032 Manner of proving Financial responsibility for; 995
1477	1477	for-hire passenger transportation vehicles. —Notwithstanding the 996
1478	1478	provisions of s. 324.031: 997
1479	1479	(1) An owner or a lessee of a for -hire passenger 998
1480	1480	transportation vehicle that is required to be registered in this 999
1481	1481	state shall establish and continuously maintain the ability to 1000
1482	1482
1483	1483	HB 429 2023
1484	1484
1485	1485
1486	1486
1487	1487	CODING: Words stricken are deletions; words underlined are additions.
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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	respond in damages for liability on account of accidents arising 1001
1495	1495	out of the ownership, maintenance, or use of the for -hire 1002
1496	1496	passenger transportation vehicle, in the amount of: 1003
1497	1497	(a) One hundred twenty-five thousand dollars for bodily 1004
1498	1498	injury to, or the death of, one person in any one crash and, 1005
1499	1499	subject to such limits for one person, in the amount of $250,000 1006
1500	1500	for bodily injury to, or the death of, two or more persons in 1007
1501	1501	any one crash; and A person who is either the owner or a lessee 1008
1502	1502	required to maintain insurance under s. 627.733(1)(b) and who 1009
1503	1503	operates one or more taxicabs, limousines, jitneys, or any other 1010
1504	1504	for-hire passenger transportation vehicles may prove financial 1011
1505	1505	responsibility by furnishing satisfactory evidence of holding a 1012
1506	1506	motor vehicle liability policy, but with minimum limits of 1013
1507	1507	$125,000/250,000/50,000. 1014
1508	1508	(b) Fifty thousand dollars for damage to, or destruction 1015
1509	1509	of, property of others in any one crash A person who is either 1016
1510	1510	the owner or a lessee required to maintain insurance under s. 1017
1511	1511	324.021(9)(b) and who operates limousines, jitneys, or any other 1018
1512	1512	for-hire passenger vehicles, other than taxicabs, may prove 1019
1513	1513	financial responsibility by furnishing satisfactory evidence of 1020
1514	1514	holding a motor vehicle liability policy as defined in s. 1021
1515	1515	324.031. 1022
1516	1516	(2) Except as provided in subsection (3), the requirements 1023
1517	1517	of this section must be met by th e owner or lessee providing 1024
1518	1518	satisfactory evidence of holding a motor vehicle liability 1025
1519	1519
1520	1520	HB 429 2023
1521	1521
1522	1522
1523	1523
1524	1524	CODING: Words stricken are deletions; words underlined are additions.
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1526	1526	Page 42 of 147
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	policy conforming to the requirements of s. 324.151 which is 1026
1532	1532	issued by an insurance carrier that is a member of the Florida 1027
1533	1533	Insurance Guaranty Association. 1028
1534	1534	(3)(2) An owner or a lessee who is required to maintain 1029
1535	1535	insurance under s. 324.021(9)(b) and who operates at least 300 1030
1536	1536	taxicabs, limousines, jitneys, or any other for-hire passenger 1031
1537	1537	transportation vehicles may provide financial responsibility by 1032
1538	1538	complying with the provisions of s. 324.171, which must such 1033
1539	1539	compliance to be demonstrated by maintaining at its principal 1034
1540	1540	place of business an audited financial statement, prepared in 1035
1541	1541	accordance with generally accepted accounting principles, and 1036
1542	1542	providing to the department a certification issued by a 1037
1543	1543	certified public accountant that the applicant's net worth is at 1038
1544	1544	least equal to the requirements of s. 324.171 as determined by 1039
1545	1545	the Office of Insurance Regulation of the Financial Services 1040
1546	1546	Commission, including claims liabilities in an amount certified 1041
1547	1547	as adequate by a Fellow of the Casualty Actuarial Society. 1042
1548	1548	1043
1549	1549	Upon request by the department, the applicant shall must provide 1044
1550	1550	the department at the applicant's principal place of business in 1045
1551	1551	this state access to the applicant's underlying financial 1046
1552	1552	information and financial statements t hat provide the basis of 1047
1553	1553	the certified public accountant's certification. The applicant 1048
1554	1554	shall reimburse the requesting department for all reasonable 1049
1555	1555	costs incurred by it in reviewing the supporting information. 1050
1556	1556
1557	1557	HB 429 2023
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1559	1559
1560	1560
1561	1561	CODING: Words stricken are deletions; words underlined are additions.
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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	The maximum amount of self -insurance permissible under this 1051
1569	1569	subsection is $300,000 and must be stated on a per -occurrence 1052
1570	1570	basis, and the applicant shall maintain adequate excess 1053
1571	1571	insurance issued by an authorized or eligible insurer licensed 1054
1572	1572	or approved by the Office of Insurance Regulation. All risks 1055
1573	1573	self-insured shall remain with the owner or lessee providing it, 1056
1574	1574	and the risks are not transferable to any other person, unless a 1057
1575	1575	policy complying with subsections (1) and (2) subsection (1) is 1058
1576	1576	obtained. 1059
1577	1577	Section 20. Subsection (2) of section 324.051, Florida 1060
1578	1578	Statutes, is amended, and subsection (4) is added to that 1061
1579	1579	section, to read: 1062
1580	1580	324.051 Reports of crashes; suspensions of licenses and 1063
1581	1581	registrations.— 1064
1582	1582	(2)(a) Thirty days after receipt of notice of any accident 1065
1583	1583	described in paragraph (1)(a) involvi ng a motor vehicle within 1066
1584	1584	this state, the department shall suspend, after due notice and 1067
1585	1585	opportunity to be heard, the license of each operator and all 1068
1586	1586	registrations of the owner of the vehicles operated by such 1069
1587	1587	operator whether or not involved in such cras h and, in the case 1070
1588	1588	of a nonresident owner or operator, shall suspend such 1071
1589	1589	nonresident's operating privilege in this state, unless such 1072
1590	1590	operator or owner shall, prior to the expiration of such 30 1073
1591	1591	days, be found by the department to be exempt from the operat ion 1074
1592	1592	of this chapter, based upon evidence satisfactory to the 1075
1593	1593
1594	1594	HB 429 2023
1595	1595
1596	1596
1597	1597
1598	1598	CODING: Words stricken are deletions; words underlined are additions.
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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	department that: 1076
1606	1606	1. The motor vehicle was legally parked at the time of 1077
1607	1607	such crash. 1078
1608	1608	2. The motor vehicle was owned by the United States 1079
1609	1609	Government, this state, or any political subdivision of this 1080
1610	1610	state or any municipality therein. 1081
1611	1611	3. Such operator or owner has secured a duly acknowledged 1082
1612	1612	written agreement providing for release from liability by all 1083
1613	1613	parties injured as the result of said crash and has complied 1084
1614	1614	with one of the provisions of s. 324.031. 1085
1615	1615	4. Such operator or owner has deposited with the 1086
1616	1616	department security to conform with s. 324.061 when applicable 1087
1617	1617	and has complied with one of the provisions of s. 324.031. 1088
1618	1618	5. One year has elapsed since such owner or operator was 1089
1619	1619	suspended pursuant to subsection (3), the owner or operator has 1090
1620	1620	complied with one of the provisions of s. 324.031, and no bill 1091
1621	1621	of complaint of which the department has notice has been filed 1092
1622	1622	in a court of competent jurisdiction. 1093
1623	1623	(b) This subsection does shall not apply: 1094
1624	1624	1. To such operator or owner if such operator or owner had 1095
1625	1625	in effect at the time of such crash or traffic conviction a 1096
1626	1626	motor vehicle an automobile liability policy with respect to all 1097
1627	1627	of the registered motor vehicles owned by such operator or 1098
1628	1628	owner. 1099
1629	1629	2. To such operator, if not the owner of such motor 1100
1630	1630
1631	1631	HB 429 2023
1632	1632
1633	1633
1634	1634
1635	1635	CODING: Words stricken are deletions; words underlined are additions.
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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	vehicle, if there was in effect at the time of such crash or 1101
1643	1643	traffic conviction a motor vehicle an automobile liability 1102
1644	1644	policy or bond with respect to his or her operation of motor 1103
1645	1645	vehicles not owned by h im or her. 1104
1646	1646	3. To such operator or owner if the liability of such 1105
1647	1647	operator or owner for damages resulting from such crash is, in 1106
1648	1648	the judgment of the department, covered by any other form of 1107
1649	1649	liability insurance or bond. 1108
1650	1650	4. To any person who has obtained from the department a 1109
1651	1651	certificate of self-insurance, in accordance with s. 324.171, or 1110
1652	1652	to any person operating a motor vehicle for such self -insurer. 1111
1653	1653	1112
1654	1654	No such policy or bond shall be effective under this subsection 1113
1655	1655	unless it contains limits of not less tha n those specified in s. 1114
1656	1656	324.021(7). 1115
1657	1657	(4) As used in this section, the term "motor vehicle" 1116
1658	1658	includes a motorcycle as defined in s. 320.01(26). 1117
1659	1659	Section 21. Section 324.071, Florida Statutes, is amended 1118
1660	1660	to read: 1119
1661	1661	324.071 Reinstatement; renewal of licens e; reinstatement 1120
1662	1662	fee.—An Any operator or owner whose license or registration has 1121
1663	1663	been suspended pursuant to s. 324.051(2), s. 324.072, s. 1122
1664	1664	324.081, or s. 324.121 may effect its reinstatement upon 1123
1665	1665	compliance with the provisions of s. 324.051(2)(a)3. or 4., o r 1124
1666	1666	s. 324.081(2) and (3), as the case may be, and with one of the 1125
1667	1667
1668	1668	HB 429 2023
1669	1669
1670	1670
1671	1671
1672	1672	CODING: Words stricken are deletions; words underlined are additions.
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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	provisions of s. 324.031 and upon payment to the department of a 1126
1680	1680	nonrefundable reinstatement fee of $15. Only one such fee may 1127
1681	1681	shall be paid by any one person regardless irrespective of the 1128
1682	1682	number of licenses and registrations to be then reinstated or 1129
1683	1683	issued to such person. All Such fees must shall be deposited to 1130
1684	1684	a department trust fund. If When the reinstatement of any 1131
1685	1685	license or registration is effected by compliance with s. 1132
1686	1686	324.051(2)(a)3. or 4., the department may shall not renew the 1133
1687	1687	license or registration within a period of 3 years after from 1134
1688	1688	such reinstatement, nor may shall any other license or 1135
1689	1689	registration be issued in the name of such person, unless the 1136
1690	1690	operator continues is continuing to comply with one of the 1137
1691	1691	provisions of s. 324.031. 1138
1692	1692	Section 22. Subsection (1) of section 324.091, Florida 1139
1693	1693	Statutes, is amended to read: 1140
1694	1694	324.091 Notice to department; notice to insurer. — 1141
1695	1695	(1) Each owner and operator involved in a crash or 1142
1696	1696	conviction case within the purview of this chapter shall furnish 1143
1697	1697	evidence of automobile liability insurance or motor vehicle 1144
1698	1698	liability insurance within 14 days after the date of the mailing 1145
1699	1699	of notice of crash by the department in the form and manner as 1146
1700	1700	it may designate. Upon receipt of evidence that a an automobile 1147
1701	1701	liability policy or motor vehicle liability policy was in effect 1148
1702	1702	at the time of the crash or conviction case, the department 1149
1703	1703	shall forward to the insurer such information for verification 1150
1704	1704
1705	1705	HB 429 2023
1706	1706
1707	1707
1708	1708
1709	1709	CODING: Words stricken are deletions; words underlined are additions.
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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	in a method as determined by the department. The insurer shall 1151
1717	1717	respond to the department within 20 days after the notice as to 1152
1718	1718	whether or not such information is valid. If the department 1153
1719	1719	determines that a an automobile liability policy or motor 1154
1720	1720	vehicle liability policy was not in effect and did not provide 1155
1721	1721	coverage for both the owner and the operator, it must shall take 1156
1722	1722	action as it is authorized to do under this chapter. 1157
1723	1723	Section 23. Section 324.151, Florida Statutes, is amended 1158
1724	1724	to read: 1159
1725	1725	324.151 Motor vehicle liability policies; required 1160
1726	1726	provisions.— 1161
1727	1727	(1) A motor vehicle liability policy that serves as to be 1162
1728	1728	proof of financial responsibility under s. 324.031(1)(a) must s. 1163
1729	1729	324.031(1) shall be issued to owners or operators of motor 1164
1730	1730	vehicles under the following provisions: 1165
1731	1731	(a) A motor vehicle An owner's liability insurance policy 1166
1732	1732	issued to an owner of a motor vehicle required to be registered 1167
1733	1733	in this state must designate by explicit description or by 1168
1734	1734	appropriate reference all motor vehicles for with respect to 1169
1735	1735	which coverage is thereby granted . The policy, must insure the 1170
1736	1736	person or persons owner named therein, and, unless except for a 1171
1737	1737	named driver excluded under s. 627.747, must insure any resident 1172
1738	1738	relative of a named insured other person as operator using such 1173
1739	1739	motor vehicle or motor vehicles with the express or implied 1174
1740	1740	permission of such owner against loss from the liability imposed 1175
1741	1741
1742	1742	HB 429 2023
1743	1743
1744	1744
1745	1745
1746	1746	CODING: Words stricken are deletions; words underlined are additions.
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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	by law for damage arising out of the ownership, maintenance, or 1176
1754	1754	use of any such motor vehicle or motor vehicles within the 1177
1755	1755	United States or the Dominion of Canada, subject to limits, 1178
1756	1756	exclusive of interest and costs with respect to each such motor 1179
1757	1757	vehicle as is provided for under s. 324.021(7) . The policy must 1180
1758	1758	also insure any person operating an insured motor vehicle with 1181
1759	1759	the express or implied permission of a named insured against 1182
1760	1760	loss from the liability imposed by law for damage arising out of 1183
1761	1761	the use of any vehicle, unless that person was excluded under s. 1184
1762	1762	627.747. However, the ins urer may include provisions in its 1185
1763	1763	policy excluding liability coverage for a motor vehicle not 1186
1764	1764	designated as an insured vehicle on the policy if such motor 1187
1765	1765	vehicle does not qualify as a newly acquired vehicle or as a 1188
1766	1766	temporary substitute vehicle and was ow ned by the insured or was 1189
1767	1767	furnished for an insured's regular use for more than 30 1190
1768	1768	consecutive days before the event giving rise to the claim. 1191
1769	1769	Insurers may make available, with respect to property damage 1192
1770	1770	liability coverage, a deductible amount not to exceed $500. In 1193
1771	1771	the event of a property damage loss covered by a policy 1194
1772	1772	containing a property damage deductible provision, the insurer 1195
1773	1773	shall pay to the third -party claimant the amount of any property 1196
1774	1774	damage liability settlement or judgment, subject to policy 1197
1775	1775	limits, as if no deductible existed. 1198
1776	1776	(b) A motor vehicle liability insurance policy issued to a 1199
1777	1777	person who does not own a An operator's motor vehicle must 1200
1778	1778
1779	1779	HB 429 2023
1780	1780
1781	1781
1782	1782
1783	1783	CODING: Words stricken are deletions; words underlined are additions.
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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	liability policy of insurance shall insure the person or persons 1201
1791	1791	named therein against loss from the l iability imposed upon him 1202
1792	1792	or her by law for damages arising out of the use by the person 1203
1793	1793	of any motor vehicle not owned by him or her , with the same 1204
1794	1794	territorial limits and subject to the same limits of liability 1205
1795	1795	as referred to above with respect to an owne r's policy of 1206
1796	1796	liability insurance. 1207
1797	1797	(c) All such motor vehicle liability policies must provide 1208
1798	1798	liability coverage with limits, exclusive of interest and costs, 1209
1799	1799	greater than or equal to the limits specified under s. 1210
1800	1800	324.021(7) for accidents occurring withi n the United States and 1211
1801	1801	Canada. The policies must shall state the name and address of 1212
1802	1802	the named insured, the coverage afforded by the policy, the 1213
1803	1803	premium charged therefor, the policy period, and the limits of 1214
1804	1804	liability, and must shall contain an agreement or be endorsed 1215
1805	1805	that insurance is provided in accordance with the coverage 1216
1806	1806	defined in this chapter as respects bodily injury and death or 1217
1807	1807	property damage or both and is subject to all provisions of this 1218
1808	1808	chapter. The Said policies must shall also contain a provision 1219
1809	1809	that the satisfaction by an insured of a judgment for such 1220
1810	1810	injury or damage may shall not be a condition precedent to the 1221
1811	1811	right or duty of the insurance carrier to make payment on 1222
1812	1812	account of such injury or damage, and must shall also contain a 1223
1813	1813	provision that bankruptcy or insolvency of the insured or of the 1224
1814	1814	insured's estate does shall not relieve the insurance carrier of 1225
1815	1815
1816	1816	HB 429 2023
1817	1817
1818	1818
1819	1819
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1822	1822	Page 50 of 147
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	any of its obligations under the said policy. 1226
1828	1828	(2) The provisions of This section is shall not be 1227
1829	1829	applicable to any motor vehicle automobile liability policy 1228
1830	1830	unless and until it is furnished as proof of financial 1229
1831	1831	responsibility for the future pursuant to s. 324.031, and then 1230
1832	1832	applies only from and after the date the said policy is so 1231
1833	1833	furnished. 1232
1834	1834	(3) As used in this section, the term: 1233
1835	1835	(a) "Newly acquired vehicle" means a vehicle owned by a 1234
1836	1836	named insured or resident relative of the named insured which 1235
1837	1837	was acquired no more than 30 days before an accident. 1236
1838	1838	(b) "Resident relative" means a person related to a named 1237
1839	1839	insured by any degree by blood, marriage, or adoption, including 1238
1840	1840	a ward or foster child, who makes his or her home in the same 1239
1841	1841	family unit or residence as the named insured, regardless of 1240
1842	1842	whether he or she temporarily lives elsewhere. 1241
1843	1843	(c) "Temporary substi tute vehicle" means any motor vehicle 1242
1844	1844	that is not owned by the named insured and that is temporarily 1243
1845	1845	used with the permission of the owner as a substitute for the 1244
1846	1846	owned motor vehicle designated on the policy when the owned 1245
1847	1847	vehicle is withdrawn from normal use because of breakdown, 1246
1848	1848	repair, servicing, loss, or destruction. 1247
1849	1849	Section 24. Section 324.161, Florida Statutes, is amended 1248
1850	1850	to read: 1249
1851	1851	324.161 Proof of financial responsibility; deposit. —If a 1250
1852	1852
1853	1853	HB 429 2023
1854	1854
1855	1855
1856	1856
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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	person elects to prove his or her financial responsibility under 1251
1865	1865	the method of proof specified in s. 324.031(1)(b), he or she 1252
1866	1866	annually must obtain and submit to the department proof of a 1253
1867	1867	certificate of deposit in the amount required under s. 1254
1868	1868	324.031(2) from a financial institution insured by the Federal 1255
1869	1869	Deposit Insurance Corporation or the National Credit Union 1256
1870	1870	Administration Annually, before any certificate of insurance may 1257
1871	1871	be issued to a person, including any firm, partnership, 1258
1872	1872	association, corporation, or other person, other than a natural 1259
1873	1873	person, proof of a cer tificate of deposit of $30,000 issued and 1260
1874	1874	held by a financial institution must be submitted to the 1261
1875	1875	department. A power of attorney will be issued to and held by 1262
1876	1876	the department and may be executed upon a judgment issued 1263
1877	1877	against such person making the deposi t, for damages for because 1264
1878	1878	of bodily injury to or death of any person or for damages for 1265
1879	1879	because of injury to or destruction of property resulting from 1266
1880	1880	the use or operation of any motor vehicle occurring after such 1267
1881	1881	deposit was made. Money so deposited is shall not be subject to 1268
1882	1882	attachment or execution unless such attachment or execution 1269
1883	1883	arises shall arise out of a lawsuit suit for such damages as 1270
1884	1884	aforesaid. 1271
1885	1885	Section 25. Subsections (1) and (2) of section 324.171, 1272
1886	1886	Florida Statutes, are amended to read: 1273
1887	1887	324.171 Self-insurer.— 1274
1888	1888	(1) A Any person may qualify as a self -insurer by 1275
1889	1889
1890	1890	HB 429 2023
1891	1891
1892	1892
1893	1893
1894	1894	CODING: Words stricken are deletions; words underlined are additions.
1895	1895	hb0429-00
1896	1896	Page 52 of 147
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	obtaining a certificate of self -insurance from the department . 1276
1902	1902	which may, in its discretion and Upon application of such a 1277
1903	1903	person, the department may issue a said certificate of self-1278
1904	1904	insurance to an applicant who satisfies when such person has 1279
1905	1905	satisfied the requirements of this section . Effective July 1, 1280
1906	1906	2024 to qualify as a self -insurer under this section : 1281
1907	1907	(a) A private individual with private passenger vehicles 1282
1908	1908	shall possess a net unencumbered worth of at least $100,000 1283
1909	1909	$40,000. 1284
1910	1910	(b) A person, including any firm, partnership, 1285
1911	1911	association, corporation, or other person, other than a natural 1286
1912	1912	person, shall: 1287
1913	1913	1. Possess a net unencumbered worth of at least $100,000 1288
1914	1914	$40,000 for the first motor vehicle and $50,000 $20,000 for each 1289
1915	1915	additional motor vehicle; or 1290
1916	1916	2. Maintain sufficient net worth, in an amount determined 1291
1917	1917	by the department, to be financially responsible for potential 1292
1918	1918	losses. The department annually shall determine the minimum net 1293
1919	1919	worth sufficient to satisfy this subparagraph as determined 1294
1920	1920	annually by the department, pursuant to rules adopted 1295
1921	1921	promulgated by the department, with the assistance of the Office 1296
1922	1922	of Insurance Regulation of the Financial Services C ommission, to 1297
1923	1923	be financially responsible for potential losses . The rules must 1298
1924	1924	consider any shall take into consideration excess insurance 1299
1925	1925	carried by the applicant. The department's determination must 1300
1926	1926
1927	1927	HB 429 2023
1928	1928
1929	1929
1930	1930
1931	1931	CODING: Words stricken are deletions; words underlined are additions.
1932	1932	hb0429-00
1933	1933	Page 53 of 147
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	shall be based upon reasonable actuarial principles cons idering 1301
1939	1939	the frequency, severity, and loss development of claims incurred 1302
1940	1940	by casualty insurers writing coverage on the type of motor 1303
1941	1941	vehicles for which a certificate of self -insurance is desired. 1304
1942	1942	(c) The owner of a commercial motor vehicle, as defined in 1305
1943	1943	s. 207.002 or s. 320.01(25) s. 320.01, may qualify as a self -1306
1944	1944	insurer subject to the standards provided for in subparagraph 1307
1945	1945	(b)2. 1308
1946	1946	(2) The self-insurance certificate must shall provide 1309
1947	1947	limits of liability insurance in the amounts specified under s. 1310
1948	1948	324.021(7) or s. 627.7415 and shall provide personal injury 1311
1949	1949	protection coverage under s. 627.733(3)(b) . 1312
1950	1950	Section 26. Section 324.251, Florida Statutes, is amended 1313
1951	1951	to read: 1314
1952	1952	324.251 Short title. —This chapter may be cited as the 1315
1953	1953	"Financial Responsibility Law of 2023 1955" and is shall become 1316
1954	1954	effective at 12:01 a.m., July 1, 2024 October 1, 1955. 1317
1955	1955	Section 27. Subsection (4) of section 400.9905, Florida 1318
1956	1956	Statutes, is amended to read: 1319
1957	1957	400.9905 Definitions. — 1320
1958	1958	(4)(a) "Clinic" means an entity where health care se rvices 1321
1959	1959	are provided to individuals and which tenders charges for 1322
1960	1960	reimbursement for such services, including a mobile clinic and a 1323
1961	1961	portable equipment provider. As used in this part, the term does 1324
1962	1962	not include and the licensure requirements of this part do no t 1325
1963	1963
1964	1964	HB 429 2023
1965	1965
1966	1966
1967	1967
1968	1968	CODING: Words stricken are deletions; words underlined are additions.
1969	1969	hb0429-00
1970	1970	Page 54 of 147
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	apply to: 1326
1976	1976	1.(a) Entities licensed or registered by the state under 1327
1977	1977	chapter 395; entities licensed or registered by the state and 1328
1978	1978	providing only health care services within the scope of services 1329
1979	1979	authorized under their respective licenses under ss. 383.3 0-1330
1980	1980	383.332, chapter 390, chapter 394, chapter 397, this chapter 1331
1981	1981	except part X, chapter 429, chapter 463, chapter 465, chapter 1332
1982	1982	466, chapter 478, chapter 484, or chapter 651; end -stage renal 1333
1983	1983	disease providers authorized under 42 C.F.R. part 494; providers 1334
1984	1984	certified and providing only health care services within the 1335
1985	1985	scope of services authorized under their respective 1336
1986	1986	certifications under 42 C.F.R. part 485, subpart B, subpart H, 1337
1987	1987	or subpart J; providers certified and providing only health care 1338
1988	1988	services within the scope of services authorized under their 1339
1989	1989	respective certifications under 42 C.F.R. part 486, subpart C; 1340
1990	1990	providers certified and providing only health care services 1341
1991	1991	within the scope of services authorized under their respective 1342
1992	1992	certifications under 42 C.F .R. part 491, subpart A; providers 1343
1993	1993	certified by the Centers for Medicare and Medicaid Services 1344
1994	1994	under the federal Clinical Laboratory Improvement Amendments and 1345
1995	1995	the federal rules adopted thereunder; or any entity that 1346
1996	1996	provides neonatal or pediatric hospital -based health care 1347
1997	1997	services or other health care services by licensed practitioners 1348
1998	1998	solely within a hospital licensed under chapter 395. 1349
1999	1999	2.(b) Entities that own, directly or indirectly, entities 1350
2000	2000
2001	2001	HB 429 2023
2002	2002
2003	2003
2004	2004
2005	2005	CODING: Words stricken are deletions; words underlined are additions.
2006	2006	hb0429-00
2007	2007	Page 55 of 147
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	licensed or registered by the state pursuant to chapter 395; 1351
2013	2013	entities that own, directly or indirectly, entities licensed or 1352
2014	2014	registered by the state and providing only health care services 1353
2015	2015	within the scope of services authorized pursuant to their 1354
2016	2016	respective licenses under ss. 383.30 -383.332, chapter 390, 1355
2017	2017	chapter 394, chapter 397, this chapter except part X, chapter 1356
2018	2018	429, chapter 463, chapter 465, chapter 466, chapter 478, chapter 1357
2019	2019	484, or chapter 651; end -stage renal disease providers 1358
2020	2020	authorized under 42 C.F.R. part 494; providers certified and 1359
2021	2021	providing only health care services within the scope of services 1360
2022	2022	authorized under their respective certifications under 42 C.F.R. 1361
2023	2023	part 485, subpart B, subpart H, or subpart J; providers 1362
2024	2024	certified and providing only health care services within the 1363
2025	2025	scope of services authorized under their respective 1364
2026	2026	certifications under 42 C.F.R. part 486, subpart C; providers 1365
2027	2027	certified and providing only health care services within the 1366
2028	2028	scope of services authorized under their respective 1367
2029	2029	certifications under 42 C.F.R. part 491, subpart A; provi ders 1368
2030	2030	certified by the Centers for Medicare and Medicaid Services 1369
2031	2031	under the federal Clinical Laboratory Improvement Amendments and 1370
2032	2032	the federal rules adopted thereunder; or any entity that 1371
2033	2033	provides neonatal or pediatric hospital -based health care 1372
2034	2034	services by licensed practitioners solely within a hospital 1373
2035	2035	licensed under chapter 395. 1374
2036	2036	3.(c) Entities that are owned, directly or indirectly, by 1375
2037	2037
2038	2038	HB 429 2023
2039	2039
2040	2040
2041	2041
2042	2042	CODING: Words stricken are deletions; words underlined are additions.
2043	2043	hb0429-00
2044	2044	Page 56 of 147
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	an entity licensed or registered by the state pursuant to 1376
2050	2050	chapter 395; entities that are owned, directly or indirectly, by 1377
2051	2051	an entity licensed or registered by the state and providing only 1378
2052	2052	health care services within the scope of services authorized 1379
2053	2053	pursuant to their respective licenses under ss. 383.30 -383.332, 1380
2054	2054	chapter 390, chapter 394, chapter 397, this chapter except par t 1381
2055	2055	X, chapter 429, chapter 463, chapter 465, chapter 466, chapter 1382
2056	2056	478, chapter 484, or chapter 651; end -stage renal disease 1383
2057	2057	providers authorized under 42 C.F.R. part 494; providers 1384
2058	2058	certified and providing only health care services within the 1385
2059	2059	scope of services authorized under their respective 1386
2060	2060	certifications under 42 C.F.R. part 485, subpart B, subpart H, 1387
2061	2061	or subpart J; providers certified and providing only health care 1388
2062	2062	services within the scope of services authorized under their 1389
2063	2063	respective certifications unde r 42 C.F.R. part 486, subpart C; 1390
2064	2064	providers certified and providing only health care services 1391
2065	2065	within the scope of services authorized under their respective 1392
2066	2066	certifications under 42 C.F.R. part 491, subpart A; providers 1393
2067	2067	certified by the Centers for Medicare and Medicaid Services 1394
2068	2068	under the federal Clinical Laboratory Improvement Amendments and 1395
2069	2069	the federal rules adopted thereunder; or any entity that 1396
2070	2070	provides neonatal or pediatric hospital -based health care 1397
2071	2071	services by licensed practitioners solely within a hos pital 1398
2072	2072	under chapter 395. 1399
2073	2073	4.(d) Entities that are under common ownership, directly 1400
2074	2074
2075	2075	HB 429 2023
2076	2076
2077	2077
2078	2078
2079	2079	CODING: Words stricken are deletions; words underlined are additions.
2080	2080	hb0429-00
2081	2081	Page 57 of 147
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	or indirectly, with an entity licensed or registered by the 1401
2087	2087	state pursuant to chapter 395; entities that are under common 1402
2088	2088	ownership, directly or indirectly, with an entity licensed or 1403
2089	2089	registered by the state and providing only health care services 1404
2090	2090	within the scope of services authorized pursuant to their 1405
2091	2091	respective licenses under ss. 383.30 -383.332, chapter 390, 1406
2092	2092	chapter 394, chapter 397, this chapter except part X, chapter 1407
2093	2093	429, chapter 463, chapter 465, chapter 466, chapter 478, chapter 1408
2094	2094	484, or chapter 651; end -stage renal disease providers 1409
2095	2095	authorized under 42 C.F.R. part 494; providers certified and 1410
2096	2096	providing only health care services within the scope of services 1411
2097	2097	authorized under their respective certifications under 42 C.F.R. 1412
2098	2098	part 485, subpart B, subpart H, or subpart J; providers 1413
2099	2099	certified and providing only health care services within the 1414
2100	2100	scope of services authorized under their respective 1415
2101	2101	certifications under 42 C.F.R. pa rt 486, subpart C; providers 1416
2102	2102	certified and providing only health care services within the 1417
2103	2103	scope of services authorized under their respective 1418
2104	2104	certifications under 42 C.F.R. part 491, subpart A; providers 1419
2105	2105	certified by the Centers for Medicare and Medicaid S ervices 1420
2106	2106	under the federal Clinical Laboratory Improvement Amendments and 1421
2107	2107	the federal rules adopted thereunder; or any entity that 1422
2108	2108	provides neonatal or pediatric hospital -based health care 1423
2109	2109	services by licensed practitioners solely within a hospital 1424
2110	2110	licensed under chapter 395. 1425
2111	2111
2112	2112	HB 429 2023
2113	2113
2114	2114
2115	2115
2116	2116	CODING: Words stricken are deletions; words underlined are additions.
2117	2117	hb0429-00
2118	2118	Page 58 of 147
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	5.(e) An entity that is exempt from federal taxation under 1426
2124	2124	26 U.S.C. s. 501(c)(3) or (4), an employee stock ownership plan 1427
2125	2125	under 26 U.S.C. s. 409 that has a board of trustees at least 1428
2126	2126	two-thirds of which are Florida -licensed health care 1429
2127	2127	practitioners and provides only physical therapy services under 1430
2128	2128	physician orders, any community college or university clinic, 1431
2129	2129	and any entity owned or operated by the federal or state 1432
2130	2130	government, including agencies, subdivisions, or municipalities 1433
2131	2131	thereof. 1434
2132	2132	6.(f) A sole proprietorship, group practice, partnership, 1435
2133	2133	or corporation that provides health care services by physicians 1436
2134	2134	covered by s. 627.419, that is directly supervised by one or 1437
2135	2135	more of such physicians, and that is wholly owned by one or more 1438
2136	2136	of those physicians or by a physician and the spouse, parent, 1439
2137	2137	child, or sibling of that physician. 1440
2138	2138	7.(g) A sole proprietorship, group practice, partnership, 1441
2139	2139	or corporation that provides health care services by licensed 1442
2140	2140	health care practitioners under chapter 457, chapter 458, 1443
2141	2141	chapter 459, chapter 460, chapter 461, chapter 462, chapter 463, 1444
2142	2142	chapter 466, chapter 467, chapter 480, chapter 484, chapter 486, 1445
2143	2143	chapter 490, chapter 491, or part I, part III, part X, part 1446
2144	2144	XIII, or part XIV of chapter 468, or s. 464.012, and that is 1447
2145	2145	wholly owned by one or more licensed health care practitioners, 1448
2146	2146	or the licensed health care practitioners set forth in this 1449
2147	2147	subparagraph paragraph and the spouse, parent, child, or sibling 1450
2148	2148
2149	2149	HB 429 2023
2150	2150
2151	2151
2152	2152
2153	2153	CODING: Words stricken are deletions; words underlined are additions.
2154	2154	hb0429-00
2155	2155	Page 59 of 147
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	of a licensed health care practitioner if one of the owners who 1451
2161	2161	is a licensed health care practitioner is supervising the 1452
2162	2162	business activities and is legal ly responsible for the entity's 1453
2163	2163	compliance with all federal and state laws. However, a health 1454
2164	2164	care practitioner may not supervise services beyond the scope of 1455
2165	2165	the practitioner's license, except that, for the purposes of 1456
2166	2166	this part, a clinic owned by a licen see in s. 456.053(3)(b) 1457
2167	2167	which provides only services authorized pursuant to s. 1458
2168	2168	456.053(3)(b) may be supervised by a licensee specified in s. 1459
2169	2169	456.053(3)(b). 1460
2170	2170	8.(h) Clinical facilities affiliated with an accredited 1461
2171	2171	medical school at which training is provid ed for medical 1462
2172	2172	students, residents, or fellows. 1463
2173	2173	9.(i) Entities that provide only oncology or radiation 1464
2174	2174	therapy services by physicians licensed under chapter 458 or 1465
2175	2175	chapter 459 or entities that provide oncology or radiation 1466
2176	2176	therapy services by physicians licensed under chapter 458 or 1467
2177	2177	chapter 459 which are owned by a corporation whose shares are 1468
2178	2178	publicly traded on a recognized stock exchange. 1469
2179	2179	10.(j) Clinical facilities affiliated with a college of 1470
2180	2180	chiropractic accredited by the Council on Chiropractic Edu cation 1471
2181	2181	at which training is provided for chiropractic students. 1472
2182	2182	11.(k) Entities that provide licensed practitioners to 1473
2183	2183	staff emergency departments or to deliver anesthesia services in 1474
2184	2184	facilities licensed under chapter 395 and that derive at least 1475
2185	2185
2186	2186	HB 429 2023
2187	2187
2188	2188
2189	2189
2190	2190	CODING: Words stricken are deletions; words underlined are additions.
2191	2191	hb0429-00
2192	2192	Page 60 of 147
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	90 percent of their gross annual revenues from the provision of 1476
2198	2198	such services. Entities claiming an exemption from licensure 1477
2199	2199	under this subparagraph paragraph must provide documentation 1478
2200	2200	demonstrating compliance. 1479
2201	2201	12.(l) Orthotic, prosthetic, pediatric cardiology , or 1480
2202	2202	perinatology clinical facilities or anesthesia clinical 1481
2203	2203	facilities that are not otherwise exempt under subparagraph 1. 1482
2204	2204	or subparagraph 11. paragraph (a) or paragraph (k) and that are 1483
2205	2205	a publicly traded corporation or are wholly owned, directly or 1484
2206	2206	indirectly, by a publicly traded corporation. As used in this 1485
2207	2207	subparagraph paragraph, a publicly traded corporation is a 1486
2208	2208	corporation that issues securities traded on an exchange 1487
2209	2209	registered with the United States Securities and Exchange 1488
2210	2210	Commission as a national securities exchange. 1489
2211	2211	13.(m) Entities that are owned by a corporation that has 1490
2212	2212	$250 million or more in total annual sales of health care 1491
2213	2213	services provided by licensed health care practitioners where 1492
2214	2214	one or more of the persons responsible for the operation s of the 1493
2215	2215	entity is a health care practitioner who is licensed in this 1494
2216	2216	state and who is responsible for supervising the business 1495
2217	2217	activities of the entity and is responsible for the entity's 1496
2218	2218	compliance with state law for purposes of this part. 1497
2219	2219	14.(n) Entities that employ 50 or more licensed health 1498
2220	2220	care practitioners licensed under chapter 458 or chapter 459 1499
2221	2221	where the billing for medical services is under a single tax 1500
2222	2222
2223	2223	HB 429 2023
2224	2224
2225	2225
2226	2226
2227	2227	CODING: Words stricken are deletions; words underlined are additions.
2228	2228	hb0429-00
2229	2229	Page 61 of 147
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	identification number. The application for exemption under this 1501
2235	2235	subsection must include shall contain information that includes: 1502
2236	2236	the name, residence, and business address and telephone phone 1503
2237	2237	number of the entity that owns the practice; a complete list of 1504
2238	2238	the names and contact information of all the officers and 1505
2239	2239	directors of the corporation; the name, residence address, 1506
2240	2240	business address, and medical license number of each licensed 1507
2241	2241	Florida health care practitioner employed by the entity; the 1508
2242	2242	corporate tax identification number of the entity seeking an 1509
2243	2243	exemption; a listing of health care services to be provided by 1510
2244	2244	the entity at the health care clinics owned or operated by the 1511
2245	2245	entity; and a certified statement prepared by an independent 1512
2246	2246	certified public accountant which states that the entity and the 1513
2247	2247	health care clinics owned or operated by the entity have not 1514
2248	2248	received payment for health care services under medical payments 1515
2249	2249	personal injury protection insurance coverage for the preceding 1516
2250	2250	year. If the agency determines that an entity that which is 1517
2251	2251	exempt under this subsection has received payments for me dical 1518
2252	2252	services under medical payments personal injury protection 1519
2253	2253	insurance coverage, the agency may deny or revoke the exemption 1520
2254	2254	from licensure under this subsection. 1521
2255	2255	15.(o) Entities that are, directly or indirectly, under 1522
2256	2256	the common ownership of or that are subject to common control by 1523
2257	2257	a mutual insurance holding company, as defined in s. 628.703, 1524
2258	2258	with an entity issued a certificate of authority under chapter 1525
2259	2259
2260	2260	HB 429 2023
2261	2261
2262	2262
2263	2263
2264	2264	CODING: Words stricken are deletions; words underlined are additions.
2265	2265	hb0429-00
2266	2266	Page 62 of 147
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	624 or chapter 641 which has $1 billion or more in total annual 1526
2272	2272	sales in this state. 1527
2273	2273	16.(p) Entities that are owned by an entity that is a 1528
2274	2274	behavioral health care service provider in at least five other 1529
2275	2275	states; that, together with its affiliates, have $90 million or 1530
2276	2276	more in total annual revenues associated with the provision of 1531
2277	2277	behavioral health care services; and wherein one or more of the 1532
2278	2278	persons responsible for the operations of the entity is a health 1533
2279	2279	care practitioner who is licensed in this state, who is 1534
2280	2280	responsible for supervising the business activities of the 1535
2281	2281	entity, and who is responsible for the entity's compliance with 1536
2282	2282	state law for purposes of this part. 1537
2283	2283	17.(q) Medicaid providers. 1538
2284	2284	(b) Notwithstanding paragraph (a) this subsection, an 1539
2285	2285	entity is shall be deemed a clinic and must be licensed under 1540
2286	2286	this part in order to receive medical payments coverage 1541
2287	2287	reimbursement under s. 627.7265 unless the entity is: 1542
2288	2288	1. Wholly owned by a physician licensed under chapter 458 1543
2289	2289	or chapter 459 or by the physician and the spouse, parent, 1544
2290	2290	child, or sibling of the physician; 1545
2291	2291	2. Wholly owned by a dentist li censed under chapter 466 or 1546
2292	2292	by the dentist and the spouse, parent, child, or sibling of the 1547
2293	2293	dentist; 1548
2294	2294	3. Wholly owned by a chiropractic physician licensed under 1549
2295	2295	chapter 460 or by the chiropractic physician and the spouse, 1550
2296	2296
2297	2297	HB 429 2023
2298	2298
2299	2299
2300	2300
2301	2301	CODING: Words stricken are deletions; words underlined are additions.
2302	2302	hb0429-00
2303	2303	Page 63 of 147
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	parent, child, or sibling of the chiropractic physician; 1551
2309	2309	4. A hospital or an ambulatory surgical center licensed 1552
2310	2310	under chapter 395; 1553
2311	2311	5. An entity that wholly owns or is wholly owned, directly 1554
2312	2312	or indirectly, by a hospital or hospitals licensed under chapter 1555
2313	2313	395; 1556
2314	2314	6. A clinical facility affiliated with an accredited 1557
2315	2315	medical school at which training is provided for medical 1558
2316	2316	students, residents, or fellows; 1559
2317	2317	7. Certified under 42 C.F.R. part 485, subpart H; or 1560
2318	2318	8. Owned by a publicly traded corporation, either directly 1561
2319	2319	or indirectly through its subsidiaries, which has $250 million 1562
2320	2320	or more in total annual sales of health care services provided 1563
2321	2321	by licensed health care practitioners, if one or more of the 1564
2322	2322	persons responsible for the operations of the entity are health 1565
2323	2323	care practitioners who a re licensed in this state and who are 1566
2324	2324	responsible for supervising the business activities of the 1567
2325	2325	entity and the entity's compliance with state law for purposes 1568
2326	2326	of this subsection the Florida Motor Vehicle No -Fault Law, ss. 1569
2327	2327	627.730-627.7405, unless exempted under s. 627.736(5)(h) . 1570
2328	2328	Section 28. Subsection (5) of section 400.991, Florida 1571
2329	2329	Statutes, is amended to read: 1572
2330	2330	400.991 License requirements; background screenings; 1573
2331	2331	prohibitions.— 1574
2332	2332	(5) All agency forms for licensure application or 1575
2333	2333
2334	2334	HB 429 2023
2335	2335
2336	2336
2337	2337
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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	exemption from licen sure under this part must contain the 1576
2346	2346	following statement: 1577
2347	2347	1578
2348	2348	INSURANCE FRAUD NOTICE. —A person commits a fraudulent 1579
2349	2349	insurance act, as defined in s. 626.989, Florida 1580
2350	2350	Statutes, if the person who knowingly submits a false, 1581
2351	2351	misleading, or fraudulent application or other 1582
2352	2352	document when applying for licensure as a health care 1583
2353	2353	clinic, seeking an exemption from licensure as a 1584
2354	2354	health care clinic, or demonstrating compliance with 1585
2355	2355	part X of chapter 400, Fl orida Statutes, with the 1586
2356	2356	intent to use the license, exemption from licensure, 1587
2357	2357	or demonstration of compliance to provide services or 1588
2358	2358	seek reimbursement under a motor vehicle liability 1589
2359	2359	insurance policy's medical payments coverage the 1590
2360	2360	Florida Motor Vehicle No -Fault Law, commits a 1591
2361	2361	fraudulent insurance act, as defined in s. 626.989, 1592
2362	2362	Florida Statutes. A person who presents a claim for 1593
2363	2363	benefits under medical payments coverage personal 1594
2364	2364	injury protection benefits knowing that the payee 1595
2365	2365	knowingly submitted such healt h care clinic 1596
2366	2366	application or document commits insurance fraud, as 1597
2367	2367	defined in s. 817.234, Florida Statutes. 1598
2368	2368	Section 29. Paragraph (g) of subsection (1) of section 1599
2369	2369	400.9935, Florida Statutes, is amended to read: 1600
2370	2370
2371	2371	HB 429 2023
2372	2372
2373	2373
2374	2374
2375	2375	CODING: Words stricken are deletions; words underlined are additions.
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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	400.9935 Clinic responsibilities. — 1601
2383	2383	(1) Each clinic shall appoint a medical director or clinic 1602
2384	2384	director who shall agree in writing to accept legal 1603
2385	2385	responsibility for the following activities on behalf of the 1604
2386	2386	clinic. The medical director or the clinic director shall: 1605
2387	2387	(g) Conduct systematic rev iews of clinic billings to 1606
2388	2388	ensure that the billings are not fraudulent or unlawful. Upon 1607
2389	2389	discovery of an unlawful charge, the medical director or clinic 1608
2390	2390	director shall take immediate corrective action. If the clinic 1609
2391	2391	performs only the technical component of magnetic resonance 1610
2392	2392	imaging, static radiographs, computed tomography, or positron 1611
2393	2393	emission tomography, and provides the professional 1612
2394	2394	interpretation of such services, in a fixed facility that is 1613
2395	2395	accredited by a national accrediting organization that is 1614
2396	2396	approved by the Centers for Medicare and Medicaid Services for 1615
2397	2397	magnetic resonance imaging and advanced diagnostic imaging 1616
2398	2398	services and if, in the preceding quarter, the percentage of 1617
2399	2399	scans performed by that clinic which was billed to motor vehicle 1618
2400	2400	all personal injury protection insurance carriers under medical 1619
2401	2401	payments coverage was less than 15 percent, the chief financial 1620
2402	2402	officer of the clinic may, in a written acknowledgment provided 1621
2403	2403	to the agency, assume the responsibility for the conduct of the 1622
2404	2404	systematic reviews of clinic billings to ensure that the 1623
2405	2405	billings are not fraudulent or unlawful. 1624
2406	2406	Section 30. Subsection (28) of section 409.901, Florida 1625
2407	2407
2408	2408	HB 429 2023
2409	2409
2410	2410
2411	2411
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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	Statutes, is amended to read: 1626
2420	2420	409.901 Definitions; ss. 409.901 -409.920.—As used in ss. 1627
2421	2421	409.901-409.920, except as otherwise specifically provided, the 1628
2422	2422	term: 1629
2423	2423	(28) "Third-party benefit" means any benefit that is or 1630
2424	2424	may be available at any time through contract, court award, 1631
2425	2425	judgment, settlement, agreement, or any arrangement between a 1632
2426	2426	third party and any person or entity, including, without 1633
2427	2427	limitation, a Medicaid recipient, a provider, another third 1634
2428	2428	party, an insurer, or the agency, for any Medicaid -covered 1635
2429	2429	injury, illness, goods, or services, including costs of medical 1636
2430	2430	services related thereto, for bodily personal injury or for 1637
2431	2431	death of the recipient, but specifically excluding policies of 1638
2432	2432	life insurance policies on the recipient, unless available under 1639
2433	2433	terms of the policy to pay medical expenses before prior to 1640
2434	2434	death. The term includes, without limitation, colla teral, as 1641
2435	2435	defined in this section ;, health insurance;, any benefit under a 1642
2436	2436	health maintenance organization, a preferred provider 1643
2437	2437	arrangement, a prepaid health clinic, liability insurance, 1644
2438	2438	uninsured motorist insurance , or medical payments coverage; or 1645
2439	2439	personal injury protection coverage, medical benefits under 1646
2440	2440	workers' compensation ;, and any obligation under law or equity 1647
2441	2441	to provide medical support. 1648
2442	2442	Section 31. Paragraph (f) of subsection (11) of section 1649
2443	2443	409.910, Florida Statutes, is amended to read: 1650
2444	2444
2445	2445	HB 429 2023
2446	2446
2447	2447
2448	2448
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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	409.910 Responsibility for payments on behalf of Medicaid -1651
2457	2457	eligible persons when other parties are liable. — 1652
2458	2458	(11) The agency may, as a matter of right, in order to 1653
2459	2459	enforce its rights under this section, institute, intervene in, 1654
2460	2460	or join any legal or administ rative proceeding in its own name 1655
2461	2461	in one or more of the following capacities: individually, as 1656
2462	2462	subrogee of the recipient, as assignee of the recipient, or as 1657
2463	2463	lienholder of the collateral. 1658
2464	2464	(f) Notwithstanding any provision in this section to the 1659
2465	2465	contrary, in the event of an action in tort against a third 1660
2466	2466	party in which the recipient or his or her legal representative 1661
2467	2467	is a party which results in a judgment, award, or settlement 1662
2468	2468	from a third party, the amount recovered shall be distributed as 1663
2469	2469	follows: 1664
2470	2470	1. After attorney attorney's fees and taxable costs as 1665
2471	2471	defined by the Florida Rules of Civil Procedure, one -half of the 1666
2472	2472	remaining recovery shall be paid to the agency up to the total 1667
2473	2473	amount of medical assistance provided by Medicaid. 1668
2474	2474	2. The remaining amount of the recovery shall be paid to 1669
2475	2475	the recipient. 1670
2476	2476	3. For purposes of calculating the agency's recovery of 1671
2477	2477	medical assistance benefits paid, the fee for services of an 1672
2478	2478	attorney retained by the recipient or his or her legal 1673
2479	2479	representative shall be calculated at 25 percent of the 1674
2480	2480	judgment, award, or settlement. 1675
2481	2481
2482	2482	HB 429 2023
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2484	2484
2485	2485
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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	4. Notwithstanding any other provision of this section to 1676
2494	2494	the contrary, the agency shall be entitled to all medical 1677
2495	2495	coverage benefits up to the total amount of medical assistance 1678
2496	2496	provided by Medicaid. For purposes of this paragraph, the term 1679
2497	2497	"medical coverage" means any benefits under health insurance, a 1680
2498	2498	health maintenance organization, a preferred provider 1681
2499	2499	arrangement, or a prepaid health clinic, and the portion of 1682
2500	2500	benefits designated for medical paym ents under coverage for 1683
2501	2501	workers' compensation coverage, motor vehicle insurance 1684
2502	2502	coverage, personal injury protection, and casualty coverage. 1685
2503	2503	Section 32. Paragraph (k) of subsection (2) of section 1686
2504	2504	456.057, Florida Statutes, is amended to read: 1687
2505	2505	456.057 Ownership and control of patient records; report 1688
2506	2506	or copies of records to be furnished; disclosure of 1689
2507	2507	information.— 1690
2508	2508	(2) As used in this section, the terms "records owner," 1691
2509	2509	"health care practitioner," and "health care practitioner's 1692
2510	2510	employer" do not inclu de any of the following persons or 1693
2511	2511	entities; furthermore, the following persons or entities are not 1694
2512	2512	authorized to acquire or own medical records, but are authorized 1695
2513	2513	under the confidentiality and disclosure requirements of this 1696
2514	2514	section to maintain those doc uments required by the part or 1697
2515	2515	chapter under which they are licensed or regulated: 1698
2516	2516	(k) Persons or entities practicing under s. 627.736(7). 1699
2517	2517	Section 33. Paragraphs (ee) and (ff) of subsection (1) of 1700
2518	2518
2519	2519	HB 429 2023
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2521	2521
2522	2522
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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	section 456.072, Florida Statutes, are amended to rea d: 1701
2531	2531	456.072 Grounds for discipline; penalties; enforcement. — 1702
2532	2532	(1) The following acts shall constitute grounds for which 1703
2533	2533	the disciplinary actions specified in subsection (2) may be 1704
2534	2534	taken: 1705
2535	2535	(ee) With respect to making a medical payments coverage 1706
2536	2536	personal injury protection claim under s. 627.7265 as required 1707
2537	2537	by s. 627.736, intentionally submitting a claim, statement, or 1708
2538	2538	bill that has been upcoded. As used in this paragraph, the term 1709
2539	2539	"upcode" means to submit a billing code that would result in a 1710
2540	2540	greater payment amount than would be paid using a billing code 1711
2541	2541	that accurately describes the services performed. The term does 1712
2542	2542	not include an otherwise lawful bill by a magnetic resonance 1713
2543	2543	imaging facility which globally combines both technical and 1714
2544	2544	professional components, if the amount of the global bill is not 1715
2545	2545	more than the components if billed separately; however, payment 1716
2546	2546	of such a bill constitutes payment in full for all components of 1717
2547	2547	such service "upcoded" as defined in s. 627.732 . 1718
2548	2548	(ff) With respect to making a medical payments coverage 1719
2549	2549	personal injury protection claim under s. 627.7265 as required 1720
2550	2550	by s. 627.736, intentionally submitting a claim, statement, or 1721
2551	2551	bill for payment of services that were not rendered. 1722
2552	2552	Section 34. Paragraph (b) of subsection (1) and subsection 1723
2553	2553	(8) of section 624.155, Florida Statutes, are amended to read: 1724
2554	2554	624.155 Civil remedy. — 1725
2555	2555
2556	2556	HB 429 2023
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2559	2559
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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	(1) Any person may bring a civil action against an insurer 1726
2568	2568	when such person is damaged: 1727
2569	2569	(b) By the commission of any of the following acts by the 1728
2570	2570	insurer: 1729
2571	2571	1. Except for a civil action for bad faith failure to 1730
2572	2572	settle a third-party claim subject to s. 624.156, not attempting 1731
2573	2573	in good faith to settle claims when, under all the 1732
2574	2574	circumstances, it could and should have done so, had it acted 1733
2575	2575	fairly and honestly toward its insured and with due regard for 1734
2576	2576	her or his interests; 1735
2577	2577	2. Making claims payments to insureds or beneficiaries not 1736
2578	2578	accompanied by a statement setting forth the coverage under 1737
2579	2579	which payments are being made; or 1738
2580	2580	3. Except as to liability c overages, failing to promptly 1739
2581	2581	settle claims, when the obligation to settle a claim has become 1740
2582	2582	reasonably clear, under one portion of the insurance policy 1741
2583	2583	coverage in order to influence settlements under other portions 1742
2584	2584	of the insurance policy coverage ; or 1743
2585	2585	4. When handling a first -party claim under a motor vehicle 1744
2586	2586	insurance policy, not attempting in good faith to settle such 1745
2587	2587	claim pursuant to subparagraph 1. when such failure is caused by 1746
2588	2588	a failure to communicate to an insured: 1747
2589	2589	a. The name, telephone numb er, e-mail address, and mailing 1748
2590	2590	address of the person adjusting the claim; 1749
2591	2591	b. Any issues that may impair the insured's coverage; 1750
2592	2592
2593	2593	HB 429 2023
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2595	2595
2596	2596
2597	2597	CODING: Words stricken are deletions; words underlined are additions.
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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	c. Information that might resolve the coverage issue in a 1751
2605	2605	prompt manner; 1752
2606	2606	d. Any basis for the insurer's rejection or nona cceptance 1753
2607	2607	of any settlement demand or offer; or 1754
2608	2608	e. Any needed extensions to respond to a time -limited 1755
2609	2609	settlement offer. 1756
2610	2610	1757
2611	2611	Notwithstanding the provisions of the above to the contrary, a 1758
2612	2612	person pursuing a remedy under this section need not prove that 1759
2613	2613	such act was committed or performed with such frequency as to 1760
2614	2614	indicate a general business practice. 1761
2615	2615	(8) The civil remedy specified in this section does not 1762
2616	2616	preempt any other remedy or cause of action provided for 1763
2617	2617	pursuant to any other statute or pursuant to th e common law of 1764
2618	2618	this state. A Any person is may obtain a judgment under either 1765
2619	2619	the common-law remedy of bad faith or this statutory remedy, but 1766
2620	2620	shall not be entitled to a judgment under multiple bad faith 1767
2621	2621	both remedies. This section shall not be construed to create a 1768
2622	2622	common-law cause of action. The damages recoverable pursuant to 1769
2623	2623	this section shall include those damages which are a reasonably 1770
2624	2624	foreseeable result of a specified violation of this section by 1771
2625	2625	the authorized insurer and may include an award or ju dgment in 1772
2626	2626	an amount that exceeds the policy limits. 1773
2627	2627	Section 35. Section 624.156, Florida Statutes, is created 1774
2628	2628	to read: 1775
2629	2629
2630	2630	HB 429 2023
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2632	2632
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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	624.156 Actions against motor vehicle insurers for bad 1776
2642	2642	faith failure to settle third -party claims.— 1777
2643	2643	(1) SCOPE.—This section applies in all actions against any 1778
2644	2644	insurer for bad faith failure to settle a third -party claim for 1779
2645	2645	a loss arising out of the ownership, maintenance, or use of a 1780
2646	2646	motor vehicle operated or principally garaged in this state at 1781
2647	2647	the time of an incident or a loss, re gardless of whether the 1782
2648	2648	insurer is authorized to do business in this state or issued a 1783
2649	2649	policy in this state. This section governs in any conflict with 1784
2650	2650	common law or any other statute. 1785
2651	2651	(2) DUTY OF GOOD FAITH. —In handling claims, an insurer has 1786
2652	2652	a duty to its insured to handle claims in good faith by 1787
2653	2653	complying with the best practices standards of subsection (4). 1788
2654	2654	An insurer's negligence does not constitute bad faith. However, 1789
2655	2655	negligence is relevant to whether an insurer acted in bad faith. 1790
2656	2656	(3) BAD FAITH FAILURE TO SETTLE.—The term "bad faith 1791
2657	2657	failure to settle" means an insurer's failure to meet its duty 1792
2658	2658	of good faith, as described in subsection (2), which is a 1793
2659	2659	proximate cause of the insurer not settling a third -party claim 1794
2660	2660	when, under all the circumstances, the insurer could and should 1795
2661	2661	have done so, had it acted fairly and honestly toward its 1796
2662	2662	insured and with due regard for the insured's interests. 1797
2663	2663	(4) BEST PRACTICES STANDARDS. —An insurer must meet the 1798
2664	2664	best practices standards of this subsection. The insure r's duty 1799
2665	2665	begins upon receiving actual notice of an incident or a loss 1800
2666	2666
2667	2667	HB 429 2023
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2669	2669
2670	2670
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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	that could give rise to a covered liability claim and continues 1801
2679	2679	until the claim is resolved. Notice may be communicated to the 1802
2680	2680	insurer or an agent of the insurer by any means. However, i f 1803
2681	2681	actual notice is communicated by means other than through any 1804
2682	2682	manner permitted by the policy or other documents provided to 1805
2683	2683	the insured by the insurer, through the insurer's website, or 1806
2684	2684	through the e-mail address designated by the insurer under s. 1807
2685	2685	624.422, the notice is not effective under this subsection if 1808
2686	2686	that variation causes actual prejudice to the insurer's ability 1809
2687	2687	to settle the claim. The burden is on the party bringing the bad 1810
2688	2688	faith claim to prove that the insurer had actual notice of the 1811
2689	2689	incident or loss giving rise to the claim that resulted in an 1812
2690	2690	excess judgment and when such notice was received. After receipt 1813
2691	2691	of actual notice, an insurer: 1814
2692	2692	(a) Must assign a duly licensed and appointed insurance 1815
2693	2693	adjuster to investigate the extent of the insured 's probable 1816
2694	2694	exposure and diligently attempt to resolve any questions 1817
2695	2695	concerning the existence or extent of the insured's coverage. 1818
2696	2696	(b) Based on available information, must ethically 1819
2697	2697	evaluate every claim fairly, honestly, and with due regard for 1820
2698	2698	the interests of the insured; consider the extent of the 1821
2699	2699	claimant's recoverable damages; and consider the information in 1822
2700	2700	a reasonable and prudent manner. 1823
2701	2701	(c) Must request from the insured or claimant additional 1824
2702	2702	relevant information the insurer reasonably deems ne cessary to 1825
2703	2703
2704	2704	HB 429 2023
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2706	2706
2707	2707
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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	evaluate whether to settle a claim. 1826
2716	2716	(d) Must conduct all oral and written communications with 1827
2717	2717	the insured with the utmost honesty and complete candor. 1828
2718	2718	(e) Must make reasonable efforts to explain to persons not 1829
2719	2719	represented by counsel matters requiring expertise beyond the 1830
2720	2720	level normally expected of a layperson with no training in 1831
2721	2721	insurance or claims-handling issues. 1832
2722	2722	(f) Must retain all written communications and note and 1833
2723	2723	retain a summary of all verbal communications in a reasonable 1834
2724	2724	manner for a period of not less than 5 years after the later of: 1835
2725	2725	1. The entry of a judgment against the insured in excess 1836
2726	2726	of policy limits becoming final; or 1837
2727	2727	2. The conclusion of the extracontractual claim, if any, 1838
2728	2728	including any related appeals. 1839
2729	2729	(g) Must provide the insured, upon request, with all 1840
2730	2730	communications related to the insurer's handling of the claim 1841
2731	2731	which are not privileged as to the insured. 1842
2732	2732	(h) Must provide, at the insurer's expense, reasonable 1843
2733	2733	accommodations necessary to communicate effectively with an 1844
2734	2734	insured covered under the Americans with Disabilities Act. 1845
2735	2735	(i) In handling third -party claims, must communicate to an 1846
2736	2736	insured all of the following: 1847
2737	2737	1. The identity of any other person or entity the insurer 1848
2738	2738	has reason to believe may be liable. 1849
2739	2739	2. The insurer's evaluation of the claim. 1850
2740	2740
2741	2741	HB 429 2023
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2743	2743
2744	2744
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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	3. The likelihood and possible extent of an excess 1851
2753	2753	judgment. 1852
2754	2754	4. Steps the insured can take to avoid exposure to an 1853
2755	2755	excess judgment, including the right to secure personal counsel 1854
2756	2756	at the insured's expense. 1855
2757	2757	5. The insured's duty to cooperate with the insurer, 1856
2758	2758	including any specific requests required because of a settlement 1857
2759	2759	opportunity or by the insurer for the insured's cooperation 1858
2760	2760	under subsection (5), the purpose of the required cooperation, 1859
2761	2761	and the consequences of refusing to cooperate. 1860
2762	2762	6. Any settlement demands or offers. 1861
2763	2763	(j) If, after the expiration of the safe -harbor periods in 1862
2764	2764	subsection (8), the facts available to the insurer indicate that 1863
2765	2765	the insured's liability is likely to exceed the policy limits, 1864
2766	2766	must initiate settlement negotiations by tendering its policy 1865
2767	2767	limits to the claimant in exchange for a general release of the 1866
2768	2768	insured. 1867
2769	2769	(k)1. Must give fair consideration to a settlement offer 1868
2770	2770	that is not unreasonable under the facts available to the 1869
2771	2771	insurer and settle, if possible, when a reasonably prudent 1870
2772	2772	person, faced with the prospect of paying the total probable 1871
2773	2773	exposure of the insured, would do so. The insurer shall provide 1872
2774	2774	reasonable assistance to the insured to comply with the 1873
2775	2775	insured's obligations to cooperate and shall act reasonably to 1874
2776	2776	attempt to satisfy any conditions of a claimant's settlement 1875
2777	2777
2778	2778	HB 429 2023
2779	2779
2780	2780
2781	2781
2782	2782	CODING: Words stricken are deletions; words underlined are additions.
2783	2783	hb0429-00
2784	2784	Page 76 of 147
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	offer. If it is not possible to settle a liability claim within 1876
2790	2790	the available policy limits, the insurer must act reasonably to 1877
2791	2791	attempt to minimize the excess exposure to the insured. 1878
2792	2792	2. When multiple claims arise out of a single occurrence, 1879
2793	2793	the combined value of all claims exceeds the total of all 1880
2794	2794	applicable policy limits, and the claimants are unwilling to 1881
2795	2795	globally settle within the policy lim its, thereafter, must 1882
2796	2796	attempt to minimize the magnitude of possible excess judgments 1883
2797	2797	against the insured. The insurer is entitled to great discretion 1884
2798	2798	to decide how much to offer each respective claimant in its 1885
2799	2799	attempt to protect the insured. The insurer ma y, in its effort 1886
2800	2800	to minimize the excess liability of the insured, use its 1887
2801	2801	discretion to offer the full available policy limits to one or 1888
2802	2802	more claimants to the exclusion of other claimants and may leave 1889
2803	2803	the insured exposed to some liability after all the po licy 1890
2804	2804	limits are paid. An insurer does not act in bad faith simply 1891
2805	2805	because it is unable to settle all claims in a multiple claimant 1892
2806	2806	case. It is a defense to a bad faith action if the insurer 1893
2807	2807	establishes that it used its discretion for the benefit of its 1894
2808	2808	insureds and complied with the other best practices standards of 1895
2809	2809	this subsection. 1896
2810	2810	(l) When a loss creates the potential for a third -party 1897
2811	2811	claim against more than one insured, must attempt to settle the 1898
2812	2812	claim on behalf of all insureds against whom a claim ma y be 1899
2813	2813	presented. If it is not possible to settle on behalf of all 1900
2814	2814
2815	2815	HB 429 2023
2816	2816
2817	2817
2818	2818
2819	2819	CODING: Words stricken are deletions; words underlined are additions.
2820	2820	hb0429-00
2821	2821	Page 77 of 147
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	insureds, the insurer may, in consultation with the insureds, 1901
2827	2827	enter into reasonable settlements of claims against certain 1902
2828	2828	insureds to the exclusion of other insureds. 1903
2829	2829	(m) Must respond to an y request for insurance information 1904
2830	2830	in compliance with s. 626.9372 or s. 627.4137, as applicable. 1905
2831	2831	(n) Where it appears the insured's probable exposure is 1906
2832	2832	greater than policy limits, must take reasonable measures to 1907
2833	2833	preserve for a reasonable period of tim e evidence that is needed 1908
2834	2834	for the defense of the liability claim. 1909
2835	2835	(o) Must comply with s. 627.426, if applicable. 1910
2836	2836	(p) May not commit or perform with such frequency as to 1911
2837	2837	indicate a general business practice any of the following: 1912
2838	2838	1. Failing to adopt a nd implement standards for the proper 1913
2839	2839	investigation of claims. 1914
2840	2840	2. Misrepresenting pertinent facts or insurance policy 1915
2841	2841	provisions relating to coverages at issue. 1916
2842	2842	3. Failing to acknowledge and act promptly upon 1917
2843	2843	communications with respect to claims. 1918
2844	2844	4. Denying claims without conducting reasonable 1919
2845	2845	investigations based upon available information. 1920
2846	2846	(5) INSURED'S DUTY TO COOPERATE. — 1921
2847	2847	(a) Insureds have a duty to cooperate with their insurer 1922
2848	2848	in the defense of the claim and in making settlements. 1923
2849	2849	Accordingly, the insured must take any reasonable action 1924
2850	2850	requested by the injured claimant or provided in the policy 1925
2851	2851
2852	2852	HB 429 2023
2853	2853
2854	2854
2855	2855
2856	2856	CODING: Words stricken are deletions; words underlined are additions.
2857	2857	hb0429-00
2858	2858	Page 78 of 147
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	which is necessary to assist the insurer in settling a covered 1926
2864	2864	claim, including: 1927
2865	2865	1. Executing affidavits regarding the facts within the 1928
2866	2866	insured's knowledge regarding the covered loss; and 1929
2867	2867	2. Providing documents, including those requested pursuant 1930
2868	2868	to paragraph (b). 1931
2869	2869	(b) When it is reasonably necessary to settle a covered 1932
2870	2870	claim valued in excess of all applicable policy limits, upon the 1933
2871	2871	request of the injured claimant, an insured must disclose on a 1934
2872	2872	form adopted by the department or provided by the claimant a 1935
2873	2873	summary of the following: 1936
2874	2874	1. The insured's assets at the time of the loss, 1937
2875	2875	including: 1938
2876	2876	a. Cash, stocks, bonds, and nonretirement -based mutual 1939
2877	2877	funds; 1940
2878	2878	b. Nonhomestead real property; 1941
2879	2879	c. All registered vehicles; 1942
2880	2880	d. All bank accounts; 1943
2881	2881	e. An estimated net accounting of all other assets; and 1944
2882	2882	f. Any additional information included by the department. 1945
2883	2883	2. The insured's liabilities, including: 1946
2884	2884	a. Mortgage debt; 1947
2885	2885	b. Credit card debt; 1948
2886	2886	c. Child support and alimony payments; 1949
2887	2887	d. Other liabilities; and 1950
2888	2888
2889	2889	HB 429 2023
2890	2890
2891	2891
2892	2892
2893	2893	CODING: Words stricken are deletions; words underlined are additions.
2894	2894	hb0429-00
2895	2895	Page 79 of 147
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	e. Any additional information included by the department. 1951
2901	2901	3. For a corporate entity, information on its balance 1952
2902	2902	sheet, including the corporat e entity's: 1953
2903	2903	a. Cash, property, equipment, and inventory; 1954
2904	2904	b. Liabilities, including obligations, rent, money owed to 1955
2905	2905	vendors, payroll, and taxes; 1956
2906	2906	c. Other information relevant to understanding the 1957
2907	2907	entity's capital and net worth; and 1958
2908	2908	d. Any additional information included by the department. 1959
2909	2909	4. A list of all insurance policies that may provide 1960
2910	2910	coverage for the claim, stating the name of the insurer and 1961
2911	2911	policy number of each policy. 1962
2912	2912	5. For natural persons, a statement of whether the insured 1963
2913	2913	was acting in the course and scope of employment at the time of 1964
2914	2914	the incident or loss giving rise to the claim and, if so, 1965
2915	2915	providing the name and contact information for the insured's 1966
2916	2916	employer. 1967
2917	2917	(c) No later than 14 days following actual notice of an 1968
2918	2918	incident or a loss that could give rise to a covered liability 1969
2919	2919	claim, the insurer must notify the insured of the insured's 1970
2920	2920	duties under this subsection. The burden is on the insurer to 1971
2921	2921	prove that it provided notice to the insured of the insured's 1972
2922	2922	duty to cooperate; oth erwise, a presumption arises that the 1973
2923	2923	insured met its duty to cooperate under this subsection. 1974
2924	2924	(d) An insurer may terminate the defense as to any insured 1975
2925	2925
2926	2926	HB 429 2023
2927	2927
2928	2928
2929	2929
2930	2930	CODING: Words stricken are deletions; words underlined are additions.
2931	2931	hb0429-00
2932	2932	Page 80 of 147
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	who unreasonably fails to meet its duties under this subsection 1976
2938	2938	when: 1977
2939	2939	1. The insurer exercised dil igence and met its duties 1978
2940	2940	under subparagraph (4)(i)5.; 1979
2941	2941	2. The insurer provided reasonable assistance to the 1980
2942	2942	insured to comply with the obligations of this subsection; 1981
2943	2943	3. The insurer gave the insured written notice of any 1982
2944	2944	failure to cooperate and a reas onable opportunity for the 1983
2945	2945	insured to cure the lack of cooperation, consistent with any 1984
2946	2946	deadlines imposed by settlement negotiations; 1985
2947	2947	4. The insured's failure to cooperate causes the insurer 1986
2948	2948	to be unable to settle the claim; and 1987
2949	2949	5. The insurer uncondit ionally tenders its available 1988
2950	2950	coverage policy limits directly to the claimant or the 1989
2951	2951	claimant's attorney. 1990
2952	2952	(e) When an insured's defense is terminated in compliance 1991
2953	2953	with this subsection, the insurer is not liable for any damages 1992
2954	2954	caused by a failure to set tle or defend the liability claim 1993
2955	2955	against that insured. 1994
2956	2956	(6) CLAIMANT COMMUNICATIONS. —The trier of fact may not 1995
2957	2957	attribute the insurer's failure to settle a covered third -party 1996
2958	2958	claim to a claimant's lack of communication with the insurer 1997
2959	2959	when the claimant truthfully complies with all applicable 1998
2960	2960	standards of this subsection by: 1999
2961	2961	(a) Contemporaneously with or before making a claim with 2000
2962	2962
2963	2963	HB 429 2023
2964	2964
2965	2965
2966	2966
2967	2967	CODING: Words stricken are deletions; words underlined are additions.
2968	2968	hb0429-00
2969	2969	Page 81 of 147
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	the insurer, communicating in writing to the insurer: 2001
2975	2975	1. The date and location of loss; 2002
2976	2976	2. The name, address, and date of birth of the claimant; 2003
2977	2977	and 2004
2978	2978	3. A physical address, an e -mail address, and a facsimile 2005
2979	2979	number for further communications, including, but not limited 2006
2980	2980	to, responses to any settlement demand. 2007
2981	2981	(b) Presenting the following in writing: 2008
2982	2982	1. The legal and factual basis of the claim; and 2009
2983	2983	2. A reasonably detailed description of the claimant's: 2010
2984	2984	a. Known injuries caused or aggravated by the incident or 2011
2985	2985	loss on which the claim is based; 2012
2986	2986	b. Medical treatment causally related to the incident or 2013
2987	2987	loss on which the claim is based; 2014
2988	2988	c. Relevant pre-accident medical conditions, if known; and 2015
2989	2989	d. Type and amount of known damages incurred and, if any, 2016
2990	2990	the damages the claimant reasonably anticipates incurring in the 2017
2991	2991	future. 2018
2992	2992	(c) Providing any settlement demand in writing and stating 2019
2993	2993	within such demand: 2020
2994	2994	1. The name of each insured to whom the demand for 2021
2995	2995	settlement is directed; 2022
2996	2996	2. The amount of the demand for settlement; and 2023
2997	2997	3. Any conditions the claimant is placing on acceptance of 2024
2998	2998	the demand for settlement. 2025
2999	2999
3000	3000	HB 429 2023
3001	3001
3002	3002
3003	3003
3004	3004	CODING: Words stricken are deletions; words underlined are additions.
3005	3005	hb0429-00
3006	3006	Page 82 of 147
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	2026
3012	3012	This subsection does not reduce an insurer's duty of good faith, 2027
3013	3013	which is owed solely to its insured. The claimant owes no duty 2028
3014	3014	to the insured or the insurer, and the duties of the claimant's 2029
3015	3015	attorney are owed solely to the claimant. The claimant and the 2030
3016	3016	claimant's attorney do not have a duty to comply with this 2031
3017	3017	subsection. 2032
3018	3018	(7) CONDITIONS PRECEDENT. —It is a condition precedent to 2033
3019	3019	filing an action against an insurer for bad faith failure to 2034
3020	3020	settle a third-party claim that: 2035
3021	3021	(a) A third-party claimant obtained a final judgment in 2036
3022	3022	excess of the policy limits against the insured or the insured's 2037
3023	3023	estate, bankruptcy trustee, or successor in interest, unless the 2038
3024	3024	insurer expressly waived the requirement of a final excess 2039
3025	3025	judgment or wrongfully breached its duty t o defend the insured; 2040
3026	3026	and 2041
3027	3027	(b) The insurer or an agent of the insurer received actual 2042
3028	3028	notice effective under subsection (4). 2043
3029	3029	(8) SAFE HARBORS.— 2044
3030	3030	(a) After an insurer receives actual notice of an incident 2045
3031	3031	or a loss that could give rise to a covered liab ility claim, the 2046
3032	3032	insurer is entitled to a reasonable opportunity to investigate 2047
3033	3033	and evaluate the claim. The amount of time required for the 2048
3034	3034	insurer's investigation and evaluation will vary depending on 2049
3035	3035	the circumstances of the claim. The safe harbors provi ded in 2050
3036	3036
3037	3037	HB 429 2023
3038	3038
3039	3039
3040	3040
3041	3041	CODING: Words stricken are deletions; words underlined are additions.
3042	3042	hb0429-00
3043	3043	Page 83 of 147
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	this subsection are available to an insurer that complies with 2051
3049	3049	the best practices standards of subsection (4). 2052
3050	3050	(b) When one claim arises out of a single occurrence, and 2053
3051	3051	an insurer initiates settlement negotiations by tendering the 2054
3052	3052	applicable policy limits in exchange for a general release of 2055
3053	3053	the insured within 45 days after receiving actual notice of the 2056
3054	3054	loss, the failure to tender the policy limits sooner does not 2057
3055	3055	constitute bad faith. 2058
3056	3056	(c) When multiple claims arise out of a single occurrence, 2059
3057	3057	the combined value of all claims exceeds the total of all 2060
3058	3058	applicable policy limits, and an insurer initiates settlement 2061
3059	3059	negotiations by globally tendering the applicable policy limits 2062
3060	3060	in exchange for a general release of the insured within 45 days 2063
3061	3061	after receiving actual notice of the loss, the failure to tender 2064
3062	3062	policy limits sooner does not constitute bad faith. 2065
3063	3063	(d) An insurer is not under any circumstance liable for 2066
3064	3064	the failure to accept a settlement offer within 45 days after 2067
3065	3065	receiving actual notice of t he loss if: 2068
3066	3066	1. The settlement offer provides the insurer less than 15 2069
3067	3067	days for acceptance; or 2070
3068	3068	2. The settlement offer provides the insurer less than 30 2071
3069	3069	days for acceptance where the offer contains conditions for 2072
3070	3070	acceptance other than the insurer's disc losure of its policy 2073
3071	3071	limits. 2074
3072	3072	(e) This subsection does not require that an insurer 2075
3073	3073
3074	3074	HB 429 2023
3075	3075
3076	3076
3077	3077
3078	3078	CODING: Words stricken are deletions; words underlined are additions.
3079	3079	hb0429-00
3080	3080	Page 84 of 147
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	automatically tender policy limits within 45 days in every case. 2076
3086	3086	(9) BURDEN OF PROOF. —In any action for bad faith failure 2077
3087	3087	to settle: 2078
3088	3088	(a) The party bringing the bad fait h claim must prove 2079
3089	3089	every element of the claim by the greater weight of the 2080
3090	3090	evidence, taking into account the totality of the circumstances. 2081
3091	3091	(b) An insurer that relies upon paragraph (5)(d) as a 2082
3092	3092	defense to a claim for bad faith failure to settle must prov e 2083
3093	3093	the elements of that paragraph by the greater weight of the 2084
3094	3094	evidence. 2085
3095	3095	(c) An insurer that relies upon a safe harbor provision of 2086
3096	3096	subsection (8) must prove the elements of the safe harbor by the 2087
3097	3097	greater weight of the evidence. 2088
3098	3098	(10) DAMAGES.—If the trier of fact finds that the party 2089
3099	3099	bringing the bad faith claim has met its burden of proof, the 2090
3100	3100	insurer is liable for the amount of any excess judgment, 2091
3101	3101	together with court costs and, if the party bringing the bad 2092
3102	3102	faith claim is the insured or an assignee of the insured, the 2093
3103	3103	reasonable attorney fees incurred by the party bringing the bad 2094
3104	3104	faith claim. Punitive damages may not be awarded. 2095
3105	3105	(11) AGENTS.—This section is not intended to expand or 2096
3106	3106	diminish any cause of action currently available against 2097
3107	3107	insurance agents who sell motor vehicle liability insurance 2098
3108	3108	policies in this state. 2099
3109	3109	Section 36. Paragraphs (i) and (o) of subsection (1) of 2100
3110	3110
3111	3111	HB 429 2023
3112	3112
3113	3113
3114	3114
3115	3115	CODING: Words stricken are deletions; words underlined are additions.
3116	3116	hb0429-00
3117	3117	Page 85 of 147
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	section 626.9541, Florida Statutes, are amended to read: 2101
3123	3123	626.9541 Unfair methods of competition and unfair or 2102
3124	3124	deceptive acts or practices defined. — 2103
3125	3125	(1) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE 2104
3126	3126	ACTS.—The following are defined as unfair methods of competition 2105
3127	3127	and unfair or deceptive acts or practices: 2106
3128	3128	(i) Unfair claim settlement practices. — 2107
3129	3129	1. Attempting to settle claims on the basis of an 2108
3130	3130	application, when serving as a binder or intended to become a 2109
3131	3131	part of the policy, or any other material document which was 2110
3132	3132	altered without notice to, or knowledge or consent of, the 2111
3133	3133	insured; 2112
3134	3134	2. Making a material misrepresentation made to an insured 2113
3135	3135	or any other person having an interest in the proceeds payable 2114
3136	3136	under such contract or policy, for the purpose and with the 2115
3137	3137	intent of effecting settlement of such claims, loss, or damage 2116
3138	3138	under such contract or policy on less fav orable terms than those 2117
3139	3139	provided in, and contemplated by, such contract or policy; 2118
3140	3140	3. Committing or performing with such frequency as to 2119
3141	3141	indicate a general business practice any of the following: 2120
3142	3142	a. Failing to adopt and implement standards for the prop er 2121
3143	3143	investigation of claims; 2122
3144	3144	b. Misrepresenting pertinent facts or insurance policy 2123
3145	3145	provisions relating to coverages at issue; 2124
3146	3146	c. Failing to acknowledge and act promptly upon 2125
3147	3147
3148	3148	HB 429 2023
3149	3149
3150	3150
3151	3151
3152	3152	CODING: Words stricken are deletions; words underlined are additions.
3153	3153	hb0429-00
3154	3154	Page 86 of 147
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	communications with respect to claims; 2126
3160	3160	d. Denying claims without conducting reasonable 2127
3161	3161	investigations based upon available information; 2128
3162	3162	e. Failing to affirm or deny full or partial coverage of 2129
3163	3163	claims, and, as to partial coverage, the dollar amount or extent 2130
3164	3164	of coverage, or failing to provide a written statement that the 2131
3165	3165	claim is being investigated, upon the written request of the 2132
3166	3166	insured within 30 days after proof -of-loss statements have been 2133
3167	3167	completed; 2134
3168	3168	f. Failing to promptly provide a reasonable explanation in 2135
3169	3169	writing to the insured of the basis in the insurance policy, in 2136
3170	3170	relation to the facts or applicable law, for denial of a claim 2137
3171	3171	or for the offer of a compromise settlement; 2138
3172	3172	g. Failing to promptly notify the insured of any 2139
3173	3173	additional information necessary for the processing of a claim; 2140
3174	3174	or 2141
3175	3175	h. Failing to clearly explain t he nature of the requested 2142
3176	3176	information and the reasons why such information is necessary; 2143
3177	3177	or 2144
3178	3178	i. Failing to pay personal injury protection insurance 2145
3179	3179	claims within the time periods required by s. 627.736(4)(b). The 2146
3180	3180	office may order the insurer to pay resti tution to a 2147
3181	3181	policyholder, medical provider, or other claimant, including 2148
3182	3182	interest at a rate consistent with the amount set forth in s. 2149
3183	3183	55.03(1), for the time period within which an insurer fails to 2150
3184	3184
3185	3185	HB 429 2023
3186	3186
3187	3187
3188	3188
3189	3189	CODING: Words stricken are deletions; words underlined are additions.
3190	3190	hb0429-00
3191	3191	Page 87 of 147
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	pay claims as required by law. Restitution is in addition to any 2151
3197	3197	other penalties allowed by law, including, but not limited to, 2152
3198	3198	the suspension of the insurer's certificate of authority; or 2153
3199	3199	4. Failing to pay undisputed amounts of partial or full 2154
3200	3200	benefits owed under first -party property insurance policies 2155
3201	3201	within 60 days after an insurer receives notice of a residential 2156
3202	3202	property insurance claim, determines the amounts of partial or 2157
3203	3203	full benefits, and agrees to coverage, unless payment of the 2158
3204	3204	undisputed benefits is prevented by factors beyond the control 2159
3205	3205	of the insurer as defined in s. 627.70131(5). 2160
3206	3206	(o) Illegal dealings in premiums; excess or reduced 2161
3207	3207	charges for insurance. — 2162
3208	3208	1. Knowingly collecting any sum as a premium or charge for 2163
3209	3209	insurance, which is not then provided, or is not in due course 2164
3210	3210	to be provided, subject to acceptance of the risk by the 2165
3211	3211	insurer, by an insurance policy issued by an insurer as 2166
3212	3212	permitted by this code. 2167
3213	3213	2. Knowingly collecting as a premium or charge for 2168
3214	3214	insurance any sum in excess of or less than the premium or 2169
3215	3215	charge applicable to such insurance, in accordance with the 2170
3216	3216	applicable classifications and rates as filed with and approved 2171
3217	3217	by the office, and as specified in the policy; or, in cases when 2172
3218	3218	classifications, premiums, or rates are not required by this 2173
3219	3219	code to be so filed and approved , premiums and charges collected 2174
3220	3220	from a Florida resident in excess of or less than those 2175
3221	3221
3222	3222	HB 429 2023
3223	3223
3224	3224
3225	3225
3226	3226	CODING: Words stricken are deletions; words underlined are additions.
3227	3227	hb0429-00
3228	3228	Page 88 of 147
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	specified in the policy and as fixed by the insurer. 2176
3234	3234	Notwithstanding any other provision of law, this provision shall 2177
3235	3235	not be deemed to prohibit the charging and collec tion, by 2178
3236	3236	surplus lines agents licensed under part VIII of this chapter, 2179
3237	3237	of the amount of applicable state and federal taxes, or fees as 2180
3238	3238	authorized by s. 626.916(4), in addition to the premium required 2181
3239	3239	by the insurer or the charging and collection, by licen sed 2182
3240	3240	agents, of the exact amount of any discount or other such fee 2183
3241	3241	charged by a credit card facility in connection with the use of 2184
3242	3242	a credit card, as authorized by subparagraph (q)3., in addition 2185
3243	3243	to the premium required by the insurer. This subparagraph shal l 2186
3244	3244	not be construed to prohibit collection of a premium for a 2187
3245	3245	universal life or a variable or indeterminate value insurance 2188
3246	3246	policy made in accordance with the terms of the contract. 2189
3247	3247	3.a. Imposing or requesting an additional premium for 2190
3248	3248	death benefit coverage, bodily injury liability coverage, 2191
3249	3249	property damage liability coverage a policy of motor vehicle 2192
3250	3250	liability, personal injury protection , medical payments coverage 2193
3251	3251	payment, or collision coverage in a motor vehicle liability 2194
3252	3252	insurance policy insurance or any combination thereof or 2195
3253	3253	refusing to renew the policy solely because the insured was 2196
3254	3254	involved in a motor vehicle accident unless the insurer's file 2197
3255	3255	contains information from which the insurer in good faith 2198
3256	3256	determines that the insured was substantially at fault in the 2199
3257	3257	accident. 2200
3258	3258
3259	3259	HB 429 2023
3260	3260
3261	3261
3262	3262
3263	3263	CODING: Words stricken are deletions; words underlined are additions.
3264	3264	hb0429-00
3265	3265	Page 89 of 147
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	b. An insurer which imposes and collects such a surcharge 2201
3271	3271	or which refuses to renew such policy shall, in conjunction with 2202
3272	3272	the notice of premium due or notice of nonrenewal, notify the 2203
3273	3273	named insured that he or she is entitled to re imbursement of 2204
3274	3274	such amount or renewal of the policy under the conditions listed 2205
3275	3275	below and will subsequently reimburse him or her or renew the 2206
3276	3276	policy, if the named insured demonstrates that the operator 2207
3277	3277	involved in the accident was: 2208
3278	3278	(I) Lawfully parked; 2209
3279	3279	(II) Reimbursed by, or on behalf of, a person responsible 2210
3280	3280	for the accident or has a judgment against such person; 2211
3281	3281	(III) Struck in the rear by another vehicle headed in the 2212
3282	3282	same direction and was not convicted of a moving traffic 2213
3283	3283	violation in connection with the accident; 2214
3284	3284	(IV) Hit by a "hit-and-run" driver, if the accident was 2215
3285	3285	reported to the proper authorities within 24 hours after 2216
3286	3286	discovering the accident; 2217
3287	3287	(V) Not convicted of a moving traffic violation in 2218
3288	3288	connection with the accident, but the opera tor of the other 2219
3289	3289	automobile involved in such accident was convicted of a moving 2220
3290	3290	traffic violation; 2221
3291	3291	(VI) Finally adjudicated not to be liable by a court of 2222
3292	3292	competent jurisdiction; 2223
3293	3293	(VII) In receipt of a traffic citation which was dismissed 2224
3294	3294	or nolle prossed; or 2225
3295	3295
3296	3296	HB 429 2023
3297	3297
3298	3298
3299	3299
3300	3300	CODING: Words stricken are deletions; words underlined are additions.
3301	3301	hb0429-00
3302	3302	Page 90 of 147
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	(VIII) Not at fault as evidenced by a written statement 2226
3308	3308	from the insured establishing facts demonstrating lack of fault 2227
3309	3309	which are not rebutted by information in the insurer's file from 2228
3310	3310	which the insurer in good faith determines that the insur ed was 2229
3311	3311	substantially at fault. 2230
3312	3312	c. In addition to the other provisions of this 2231
3313	3313	subparagraph, an insurer may not fail to renew a policy if the 2232
3314	3314	insured has had only one accident in which he or she was at 2233
3315	3315	fault within the current 3 -year period. However, an i nsurer may 2234
3316	3316	nonrenew a policy for reasons other than accidents in accordance 2235
3317	3317	with s. 627.728. This subparagraph does not prohibit nonrenewal 2236
3318	3318	of a policy under which the insured has had three or more 2237
3319	3319	accidents, regardless of fault, during the most recent 3 -year 2238
3320	3320	period. 2239
3321	3321	4. Imposing or requesting an additional premium for, or 2240
3322	3322	refusing to renew, a policy for motor vehicle insurance solely 2241
3323	3323	because the insured committed a noncriminal traffic infraction 2242
3324	3324	as described in s. 318.14 unless the infraction is: 2243
3325	3325	a. A second infraction committed within an 18 -month 2244
3326	3326	period, or a third or subsequent infraction committed within a 2245
3327	3327	36-month period. 2246
3328	3328	b. A violation of s. 316.183, when such violation is a 2247
3329	3329	result of exceeding the lawful speed limit by more than 15 miles 2248
3330	3330	per hour. 2249
3331	3331	5. Upon the request of the insured, the insurer and 2250
3332	3332
3333	3333	HB 429 2023
3334	3334
3335	3335
3336	3336
3337	3337	CODING: Words stricken are deletions; words underlined are additions.
3338	3338	hb0429-00
3339	3339	Page 91 of 147
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	licensed agent shall supply to the insured the complete proof of 2251
3345	3345	fault or other criteria which justifies the additional charge or 2252
3346	3346	cancellation. 2253
3347	3347	6. No insurer shall impose or request an additional 2254
3348	3348	premium for motor vehicle insurance, cancel or refuse to issue a 2255
3349	3349	policy, or refuse to renew a policy because the insured or the 2256
3350	3350	applicant is a handicapped or physically disabled person, so 2257
3351	3351	long as such handicap or physical disability does not 2258
3352	3352	substantially impair such person's mechanically assisted driving 2259
3353	3353	ability. 2260
3354	3354	7. No insurer may cancel or otherwise terminate any 2261
3355	3355	insurance contract or coverage, or require execution of a 2262
3356	3356	consent to rate endorsement, during the stated policy term for 2263
3357	3357	the purpose of offerin g to issue, or issuing, a similar or 2264
3358	3358	identical contract or coverage to the same insured with the same 2265
3359	3359	exposure at a higher premium rate or continuing an existing 2266
3360	3360	contract or coverage with the same exposure at an increased 2267
3361	3361	premium. 2268
3362	3362	8. No insurer may issue a nonrenewal notice on any 2269
3363	3363	insurance contract or coverage, or require execution of a 2270
3364	3364	consent to rate endorsement, for the purpose of offering to 2271
3365	3365	issue, or issuing, a similar or identical contract or coverage 2272
3366	3366	to the same insured at a higher premium rate or continuing an 2273
3367	3367	existing contract or coverage at an increased premium without 2274
3368	3368	meeting any applicable notice requirements. 2275
3369	3369
3370	3370	HB 429 2023
3371	3371
3372	3372
3373	3373
3374	3374	CODING: Words stricken are deletions; words underlined are additions.
3375	3375	hb0429-00
3376	3376	Page 92 of 147
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	9. No insurer shall, with respect to premiums charged for 2276
3382	3382	motor vehicle insurance, unfairly discriminate solely on the 2277
3383	3383	basis of age, sex, marital status, or scholastic achievement. 2278
3384	3384	10. Imposing or requesting an additional premium for motor 2279
3385	3385	vehicle comprehensive or uninsured motorist coverage solely 2280
3386	3386	because the insured was involved in a motor vehicle accident or 2281
3387	3387	was convicted of a movi ng traffic violation. 2282
3388	3388	11. No insurer shall cancel or issue a nonrenewal notice 2283
3389	3389	on any insurance policy or contract without complying with any 2284
3390	3390	applicable cancellation or nonrenewal provision required under 2285
3391	3391	the Florida Insurance Code. 2286
3392	3392	12. No insurer shal l impose or request an additional 2287
3393	3393	premium, cancel a policy, or issue a nonrenewal notice on any 2288
3394	3394	insurance policy or contract because of any traffic infraction 2289
3395	3395	when adjudication has been withheld and no points have been 2290
3396	3396	assessed pursuant to s. 318.14(9) and (10). However, this 2291
3397	3397	subparagraph does not apply to traffic infractions involving 2292
3398	3398	accidents in which the insurer has incurred a loss due to the 2293
3399	3399	fault of the insured. 2294
3400	3400	Section 37. Paragraph (a) of subsection (1) of section 2295
3401	3401	626.989, Florida Statutes, is a mended to read: 2296
3402	3402	626.989 Investigation by department or Division of 2297
3403	3403	Investigative and Forensic Services; compliance; immunity; 2298
3404	3404	confidential information; reports to division; division 2299
3405	3405	investigator's power of arrest. — 2300
3406	3406
3407	3407	HB 429 2023
3408	3408
3409	3409
3410	3410
3411	3411	CODING: Words stricken are deletions; words underlined are additions.
3412	3412	hb0429-00
3413	3413	Page 93 of 147
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	(1) For the purposes of this section: 2301
3419	3419	(a) A person commits a "fraudulent insurance act" if the 2302
3420	3420	person: 2303
3421	3421	1. Knowingly and with intent to defraud presents, causes 2304
3422	3422	to be presented, or prepares with knowledge or belief that it 2305
3423	3423	will be presented, to or by an insurer, self -insurer, self-2306
3424	3424	insurance fund, servicing corporation, purported insurer, 2307
3425	3425	broker, or any agent thereof, any written statement as part of, 2308
3426	3426	or in support of, an application for the issuance of, or the 2309
3427	3427	rating of, any insurance policy, or a claim for payment or other 2310
3428	3428	benefit pursuant to any insurance policy, which the person knows 2311
3429	3429	to contain materially false information concerning any fact 2312
3430	3430	material thereto or if the person conceals, for the purpose of 2313
3431	3431	misleading another, information concerning any fact material 2314
3432	3432	thereto. 2315
3433	3433	2. Knowingly submits: 2316
3434	3434	a. A false, misleading, or fraudulent application or other 2317
3435	3435	document when applying for licensure as a health care clinic, 2318
3436	3436	seeking an exemption from licensure as a health care clinic, or 2319
3437	3437	demonstrating compliance with part X of chapter 400 with an 2320
3438	3438	intent to use the license, exemption from licensure, or 2321
3439	3439	demonstration of compliance to provide services or seek 2322
3440	3440	reimbursement under a motor vehicle liability insurance policy's 2323
3441	3441	medical payments coverage the Florida Motor Vehicle No -Fault 2324
3442	3442	Law. 2325
3443	3443
3444	3444	HB 429 2023
3445	3445
3446	3446
3447	3447
3448	3448	CODING: Words stricken are deletions; words underlined are additions.
3449	3449	hb0429-00
3450	3450	Page 94 of 147
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	b. A claim for payment or other benefit under a motor 2326
3456	3456	vehicle liability insurance policy's medical payments coverage, 2327
3457	3457	pursuant to a personal injury protection insurance policy under 2328
3458	3458	the Florida Motor Vehicle No -Fault Law if the person knows that 2329
3459	3459	the payee knowingly submitted a false, misleading, or fraudulent 2330
3460	3460	application or other document when applying for licensure as a 2331
3461	3461	health care clinic, seeking an exemption from licensure as a 2332
3462	3462	health care clinic, or demonstrating compliance with part X of 2333
3463	3463	chapter 400. 2334
3464	3464	Section 38. Subsection (1) of section 627.06501, Florida 2335
3465	3465	Statutes, is amended to read: 2336
3466	3466	627.06501 Insurance discounts for certain persons 2337
3467	3467	completing driver improvement course. — 2338
3468	3468	(1) Any rate, rating schedule, or rating manual for the 2339
3469	3469	liability, medical payments, death benefit personal injury 2340
3470	3470	protection, and collision coverages of a motor vehicle insurance 2341
3471	3471	policy filed with the office may provide for an appropriate 2342
3472	3472	reduction in premium charges as to such coverages if when the 2343
3473	3473	principal operator on the covered vehicle has successfully 2344
3474	3474	completed a driver improvement course approved and certified by 2345
3475	3475	the Department of Highway Safety and Motor Vehicles which is 2346
3476	3476	effective in reducing crash or violation rates, or both, as 2347
3477	3477	determined pursuant to s. 318.1451(5). Any discount, not to 2348
3478	3478	exceed 10 percent, used by an insurer is presumed to be 2349
3479	3479	appropriate unless credible data demonstrates otherwise. 2350
3480	3480
3481	3481	HB 429 2023
3482	3482
3483	3483
3484	3484
3485	3485	CODING: Words stricken are deletions; words underlined are additions.
3486	3486	hb0429-00
3487	3487	Page 95 of 147
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	Section 39. Subsection (15) is added to section 627.0651, 2351
3493	3493	Florida Statutes, to read: 2352
3494	3494	627.0651 Making and use of rat es for motor vehicle 2353
3495	3495	insurance.— 2354
3496	3496	(15) Rate filings for motor vehicle liability policies 2355
3497	3497	that implement the financial responsibility requirements of s. 2356
3498	3498	324.022 in effect July 1, 2024, except for commercial motor 2357
3499	3499	vehicle insurance policies exempt under par agraph (14)(a), must 2358
3500	3500	reflect such financial responsibility requirements and may be 2359
3501	3501	approved only through the file and use process under paragraph 2360
3502	3502	(1)(a). 2361
3503	3503	Section 40. Subsection (1) of section 627.0652, Florida 2362
3504	3504	Statutes, is amended to read: 2363
3505	3505	627.0652 Insurance discounts for certain persons 2364
3506	3506	completing safety course. — 2365
3507	3507	(1) Any rates, rating schedules, or rating manuals for the 2366
3508	3508	liability, medical payments, death benefit personal injury 2367
3509	3509	protection, and collision coverages of a motor vehicle insurance 2368
3510	3510	policy filed with the office must shall provide for an 2369
3511	3511	appropriate reduction in premium charges as to such coverages if 2370
3512	3512	when the principal operator on the covered vehicle is an insured 2371
3513	3513	55 years of age or older who has successfully completed a motor 2372
3514	3514	vehicle accident prevention course approved by the Department of 2373
3515	3515	Highway Safety and Motor Vehicles. Any discount used by an 2374
3516	3516	insurer is presumed to be appropriate unless credible data 2375
3517	3517
3518	3518	HB 429 2023
3519	3519
3520	3520
3521	3521
3522	3522	CODING: Words stricken are deletions; words underlined are additions.
3523	3523	hb0429-00
3524	3524	Page 96 of 147
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	demonstrates otherwise. 2376
3530	3530	Section 41. Subsections (1), (3), and (6) of section 2377
3531	3531	627.0653, Florida Statutes, are amended to read: 2378
3532	3532	627.0653 Insurance discounts for specified motor vehicle 2379
3533	3533	equipment.— 2380
3534	3534	(1) Any rates, rating schedules, or rating manuals for the 2381
3535	3535	liability, medical payments, death benefit personal injury 2382
3536	3536	protection, and collision coverages of a motor vehicle insurance 2383
3537	3537	policy filed with the office must shall provide a premium 2384
3538	3538	discount if the insured vehicle is equipped with factory -2385
3539	3539	installed, four-wheel antilock brakes. 2386
3540	3540	(3) Any rates, rating schedules, or rating manuals for 2387
3541	3541	personal injury protection coverage and medical payments 2388
3542	3542	coverage, if offered, of a motor vehicle insurance policy filed 2389
3543	3543	with the office must shall provide a premium discount if the 2390
3544	3544	insured vehicle is equipped with one or more air bags that which 2391
3545	3545	are factory installed. 2392
3546	3546	(6) The Office of Insurance Regulation may approve a 2393
3547	3547	premium discount to any rates, rating schedules, or rating 2394
3548	3548	manuals for the liability, medical payments, death benefit 2395
3549	3549	personal injury protection , and collision coverages of a motor 2396
3550	3550	vehicle insurance policy filed with the office if the insured 2397
3551	3551	vehicle is equipped with an automated driving system or 2398
3552	3552	electronic vehicle collision avoidance technology that is 2399
3553	3553	factory installed or a retrofitted system and that complies with 2400
3554	3554
3555	3555	HB 429 2023
3556	3556
3557	3557
3558	3558
3559	3559	CODING: Words stricken are deletions; words underlined are additions.
3560	3560	hb0429-00
3561	3561	Page 97 of 147
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	National Highway Tra ffic Safety Administration standards. 2401
3567	3567	Section 42. Section 627.4132, Florida Statutes, is amended 2402
3568	3568	to read: 2403
3569	3569	627.4132 Stacking of coverages prohibited. —If an insured 2404
3570	3570	or named insured is protected by any type of motor vehicle 2405
3571	3571	insurance policy for bodily injury and property damage 2406
3572	3572	liability, personal injury protection, or other coverage , the 2407
3573	3573	policy must shall provide that the insured or named insured is 2408
3574	3574	protected only to the extent of the coverage she or he has on 2409
3575	3575	the vehicle involved in the accident. Howe ver, if none of the 2410
3576	3576	insured's or named insured's vehicles are is involved in the 2411
3577	3577	accident, coverage is available only to the extent of coverage 2412
3578	3578	on any one of the vehicles with applicable coverage. Coverage on 2413
3579	3579	any other vehicles may shall not be added to or stacked upon 2414
3580	3580	that coverage. This section does not apply: 2415
3581	3581	(1) Apply to uninsured motorist coverage that which is 2416
3582	3582	separately governed by s. 627.727. 2417
3583	3583	(2) To Reduce the coverage available by reason of 2418
3584	3584	insurance policies insuring different named insureds. 2419
3585	3585	Section 43. Subsection (1) of section 627.4137, Florida 2420
3586	3586	Statutes, is amended to read: 2421
3587	3587	627.4137 Disclosure of certain information required. — 2422
3588	3588	(1) Each insurer which does or may provide liability 2423
3589	3589	insurance coverage to pay all or a portion of any claim which 2424
3590	3590	might be made shall provide, within 30 days after of the written 2425
3591	3591
3592	3592	HB 429 2023
3593	3593
3594	3594
3595	3595
3596	3596	CODING: Words stricken are deletions; words underlined are additions.
3597	3597	hb0429-00
3598	3598	Page 98 of 147
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	request of the claimant or the claimant's attorney , a statement, 2426
3604	3604	under oath, of a corporate officer or the insurer's claims 2427
3605	3605	manager or superintendent setting forth the following 2428
3606	3606	information with regard to each known policy of insurance, 2429
3607	3607	including excess or umbrella insurance: 2430
3608	3608	(a) The name of the insurer. 2431
3609	3609	(b) The name of each insured. 2432
3610	3610	(c) The limits of the liability coverage. 2433
3611	3611	(d) A statement of any policy or coverage defense whic h 2434
3612	3612	such insurer reasonably believes is available to such insurer at 2435
3613	3613	the time of filing such statement. 2436
3614	3614	(e) A copy of the policy. 2437
3615	3615	2438
3616	3616	In addition, the insured, or her or his insurance agent, upon 2439
3617	3617	written request of the claimant or the claimant's attorney, 2440
3618	3618	shall disclose the name and coverage of each known insurer to 2441
3619	3619	the claimant and shall forward such request for information as 2442
3620	3620	required by this subsection to all affected insurers. The 2443
3621	3621	insurer shall then supply the information required in this 2444
3622	3622	subsection to the claimant within 30 days after of receipt of 2445
3623	3623	such request. If an insurer fails to timely comply with this 2446
3624	3624	section, the claimant may file an action in a court of competent 2447
3625	3625	jurisdiction to enforce this section. If the court determines 2448
3626	3626	that the insurer violat ed this section, the claimant is entitled 2449
3627	3627	to an award of reasonable attorney fees and costs to be paid by 2450
3628	3628
3629	3629	HB 429 2023
3630	3630
3631	3631
3632	3632
3633	3633	CODING: Words stricken are deletions; words underlined are additions.
3634	3634	hb0429-00
3635	3635	Page 99 of 147
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	the insurer. 2451
3641	3641	Section 44. Section 627.7263, Florida Statutes, is amended 2452
3642	3642	to read: 2453
3643	3643	627.7263 Rental and leasing driver's insurance to be 2454
3644	3644	primary; exception.— 2455
3645	3645	(1) The valid and collectible liability insurance , death 2456
3646	3646	benefit coverage, and medical payments coverage or personal 2457
3647	3647	injury protection insurance providing coverage for the lessor of 2458
3648	3648	a motor vehicle for rent or lease are is primary unless 2459
3649	3649	otherwise stated in at least 10 -point type on the face of the 2460
3650	3650	rental or lease agreement. Such insurance is primary for the 2461
3651	3651	limits of liability and personal injury protection coverage as 2462
3652	3652	required under s. 324.021(7), the death benefit coverage limit 2463
3653	3653	required under s. 627.72761, and the medical payments coverage 2464
3654	3654	limit required under s. 627.7265 by ss. 324.021(7) and 627.736 . 2465
3655	3655	(2) If the lessee's coverage is to be primary, the rental 2466
3656	3656	or lease agreement must contain the following language, in at 2467
3657	3657	least 10-point type: 2468
3658	3658	2469
3659	3659	"The valid and collectible liability insurance , death 2470
3660	3660	benefit coverage, and medical payments coverage 2471
3661	3661	personal injury protection insurance of an any 2472
3662	3662	authorized rental or leasing driver are is primary for 2473
3663	3663	the limits of liability and personal injury prote ction 2474
3664	3664	coverage required under s. 324.021(7), Florida 2475
3665	3665
3666	3666	HB 429 2023
3667	3667
3668	3668
3669	3669
3670	3670	CODING: Words stricken are deletions; words underlined are additions.
3671	3671	hb0429-00
3672	3672	Page 100 of 147
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	Statutes, the limit of the death benefit coverage 2476
3678	3678	required under s. 627.72761, Florida Statutes, and the 2477
3679	3679	medical payments coverage limit required under s. 2478
3680	3680	627.7265 by ss. 324.021(7) and 627.736 , Florida 2479
3681	3681	Statutes." 2480
3682	3682	Section 45. Section 627.7265, Florida Statutes, is created 2481
3683	3683	to read: 2482
3684	3684	627.7265 Motor vehicle insurance; medical payments 2483
3685	3685	coverage.— 2484
3686	3686	(1) Medical payments coverage must protect the named 2485
3687	3687	insured, resident relatives, persons operating the insured motor 2486
3688	3688	vehicle, passengers in the insured motor vehicle, and persons 2487
3689	3689	who are struck by the insured motor vehicle and suffer bodily 2488
3690	3690	injury while not an occupant of a self -propelled motor vehicle 2489
3691	3691	at a limit of at least $5,000 for medical expenses incu rred due 2490
3692	3692	to bodily injury, sickness, or disease arising out of the 2491
3693	3693	ownership, maintenance, or use of a motor vehicle. 2492
3694	3694	(a) Before issuing a motor vehicle liability insurance 2493
3695	3695	policy that is furnished as proof of financial responsibility 2494
3696	3696	under s. 324.031, the insurer must offer medical payments 2495
3697	3697	coverage at limits of $5,000 and $10,000. The insurer may also 2496
3698	3698	offer medical payments coverage at any limit greater than 2497
3699	3699	$5,000. 2498
3700	3700	(b) The insurer must offer medical payments coverage with 2499
3701	3701	no deductible. The insurer m ay also offer medical payments 2500
3702	3702
3703	3703	HB 429 2023
3704	3704
3705	3705
3706	3706
3707	3707	CODING: Words stricken are deletions; words underlined are additions.
3708	3708	hb0429-00
3709	3709	Page 101 of 147
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	coverage with a deductible not to exceed $500. 2501
3715	3715	(c) This section may not be construed to limit any other 2502
3716	3716	coverage made available by an insurer. 2503
3717	3717	(2) Upon receiving notice of an accident that is 2504
3718	3718	potentially covered by medica l payments coverage benefits, the 2505
3719	3719	insurer must reserve $5,000 of medical payments coverage 2506
3720	3720	benefits for payment to physicians licensed under chapter 458 or 2507
3721	3721	chapter 459 or dentists licensed under chapter 466 who provide 2508
3722	3722	emergency services and care, as defin ed in s. 395.002(9), or who 2509
3723	3723	provide hospital inpatient care. The amount required to be held 2510
3724	3724	in reserve may be used only to pay claims from such physicians 2511
3725	3725	or dentists until 30 days after the date the insurer receives 2512
3726	3726	notice of the accident. After the 30 -day period, any amount of 2513
3727	3727	the reserve for which the insurer has not received notice of 2514
3728	3728	such claims may be used by the insurer to pay other claims. This 2515
3729	3729	subsection does not require an insurer to establish a claim 2516
3730	3730	reserve for insurance accounting purposes. 2517
3731	3731	(3) An insurer providing medical payments coverage 2518
3732	3732	benefits may not: 2519
3733	3733	(a) Seek a lien on any recovery in tort by judgment, 2520
3734	3734	settlement, or otherwise for medical payments coverage benefits, 2521
3735	3735	regardless of whether suit has been filed or settlement has been 2522
3736	3736	reached without suit; or 2523
3737	3737	(b) Bring a cause of action against a person to whom or 2524
3738	3738	for whom medical payments coverage benefits were paid, except 2525
3739	3739
3740	3740	HB 429 2023
3741	3741
3742	3742
3743	3743
3744	3744	CODING: Words stricken are deletions; words underlined are additions.
3745	3745	hb0429-00
3746	3746	Page 102 of 147
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	when medical payments coverage benefits were paid by reason of 2526
3752	3752	fraud committed by that person. 2527
3753	3753	(4) An insurer providing medical payments coverage may 2528
3754	3754	include provisions in its policy allowing for subrogation for 2529
3755	3755	medical payments coverage benefits paid if the expenses giving 2530
3756	3756	rise to the payments were caused by the wrongful act or omission 2531
3757	3757	of another who is not also a n insured under the policy paying 2532
3758	3758	the medical payments coverage benefits. However, this 2533
3759	3759	subrogation right is inferior to the rights of the injured 2534
3760	3760	insured and is available only after all the insured's damages 2535
3761	3761	are recovered and the insured is made whole. An insured who 2536
3762	3762	obtains a recovery from a third party of the full amount of the 2537
3763	3763	damages sustained and delivers a release or satisfaction that 2538
3764	3764	impairs a medical payments insurer's subrogation right is liable 2539
3765	3765	to the insurer for repayment of medical payments cov erage 2540
3766	3766	benefits less any expenses of acquiring the recovery, including 2541
3767	3767	a prorated share of attorney fees and costs, and shall hold that 2542
3768	3768	net recovery in trust to be delivered to the medical payments 2543
3769	3769	insurer. The insurer may not include any provision in its p olicy 2544
3770	3770	allowing for subrogation for any death benefit paid. 2545
3771	3771	Section 46. Subsections (1) and (7) of section 627.727, 2546
3772	3772	Florida Statutes, are amended to read: 2547
3773	3773	627.727 Motor vehicle insurance; uninsured and 2548
3774	3774	underinsured vehicle coverage; insolvent insurer protection.— 2549
3775	3775	(1) A No motor vehicle liability insurance policy that 2550
3776	3776
3777	3777	HB 429 2023
3778	3778
3779	3779
3780	3780
3781	3781	CODING: Words stricken are deletions; words underlined are additions.
3782	3782	hb0429-00
3783	3783	Page 103 of 147
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	which provides bodily injury liability coverage may not shall be 2551
3789	3789	delivered or issued for delivery in this state with respect to 2552
3790	3790	any specifically insured or identified motor vehicle regis tered 2553
3791	3791	or principally garaged in this state , unless uninsured motor 2554
3792	3792	vehicle coverage is provided therein or supplemental thereto for 2555
3793	3793	the protection of persons insured thereunder who are legally 2556
3794	3794	entitled to recover damages from owners or operators of 2557
3795	3795	uninsured motor vehicles because of bodily injury, sickness, or 2558
3796	3796	disease, including death, resulting therefrom. However, the 2559
3797	3797	coverage required under this section is not applicable if when, 2560
3798	3798	or to the extent that, an insured named in the policy makes a 2561
3799	3799	written rejection of the coverage on behalf of all insureds 2562
3800	3800	under the policy. If When a motor vehicle is leased for a period 2563
3801	3801	of 1 year or longer and the lessor of such vehicle, by the terms 2564
3802	3802	of the lease contract, provides liability coverage on the leased 2565
3803	3803	vehicle, the lessee of such vehicle has shall have the sole 2566
3804	3804	privilege to reject uninsured motorist coverage or to select 2567
3805	3805	lower limits than the bodily injury liability limits, regardless 2568
3806	3806	of whether the lessor is qualified as a self -insurer pursuant to 2569
3807	3807	s. 324.171. Unless an insured, or a lessee having the privilege 2570
3808	3808	of rejecting uninsured motorist coverage, requests such coverage 2571
3809	3809	or requests higher uninsured motorist limits in writing, the 2572
3810	3810	coverage or such higher uninsured motorist limits need not be 2573
3811	3811	provided in or supplemental to any other policy that which 2574
3812	3812	renews, extends, changes, supersedes, or replaces an existing 2575
3813	3813
3814	3814	HB 429 2023
3815	3815
3816	3816
3817	3817
3818	3818	CODING: Words stricken are deletions; words underlined are additions.
3819	3819	hb0429-00
3820	3820	Page 104 of 147
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	policy with the same bodily injury liability limits when an 2576
3826	3826	insured or lessee had rejected the coverage. When an insured or 2577
3827	3827	lessee has initially selected limits of uninsured motorist 2578
3828	3828	coverage lower than her or his bodily injury liability limits, 2579
3829	3829	higher limits of uninsured motorist coverage need not be 2580
3830	3830	provided in or supplemental to any other policy that which 2581
3831	3831	renews, extends, changes, supersedes, or replaces an existing 2582
3832	3832	policy with the same bodily injury liability limits unless an 2583
3833	3833	insured requests higher uninsured motorist coverage in writing. 2584
3834	3834	The rejection or selection of lower limits must shall be made on 2585
3835	3835	a form approved by the office. The form must shall fully advise 2586
3836	3836	the applicant of the nature of the coverage and must shall state 2587
3837	3837	that the coverage is equal to bodily injury liability limits 2588
3838	3838	unless lower limits are requested or the cov erage is rejected. 2589
3839	3839	The heading of the form must shall be in 12-point bold type and 2590
3840	3840	must shall state: "You are electing not to purchase certain 2591
3841	3841	valuable coverage that which protects you and your family or you 2592
3842	3842	are purchasing uninsured motorist limits less th an your bodily 2593
3843	3843	injury liability limits when you sign this form. Please read 2594
3844	3844	carefully." If this form is signed by a named insured, it will 2595
3845	3845	be conclusively presumed that there was an informed, knowing 2596
3846	3846	rejection of coverage or election of lower limits on beh alf of 2597
3847	3847	all insureds. The insurer shall notify the named insured at 2598
3848	3848	least annually of her or his options as to the coverage required 2599
3849	3849	by this section. Such notice must shall be part of, and attached 2600
3850	3850
3851	3851	HB 429 2023
3852	3852
3853	3853
3854	3854
3855	3855	CODING: Words stricken are deletions; words underlined are additions.
3856	3856	hb0429-00
3857	3857	Page 105 of 147
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	to, the notice of premium, must shall provide for a means t o 2601
3863	3863	allow the insured to request such coverage, and must shall be 2602
3864	3864	given in a manner approved by the office. Receipt of this notice 2603
3865	3865	does not constitute an affirmative waiver of the insured's right 2604
3866	3866	to uninsured motorist coverage if where the insured has not 2605
3867	3867	signed a selection or rejection form. The coverage described 2606
3868	3868	under this section must shall be over and above, but may shall 2607
3869	3869	not duplicate, the benefits available to an insured under any 2608
3870	3870	workers' compensation law, personal injury protection benefits, 2609
3871	3871	disability benefits law, or similar law; under any automobile 2610
3872	3872	medical payments expense coverage; under any motor vehicle 2611
3873	3873	liability insurance coverage; or from the owner or operator of 2612
3874	3874	the uninsured motor vehicle or any other person or organization 2613
3875	3875	jointly or severally liable together with such owner or operator 2614
3876	3876	for the accident,; and such coverage must shall cover the 2615
3877	3877	difference, if any, between the sum of such benefits and the 2616
3878	3878	damages sustained, up to the maximum amount of such coverage 2617
3879	3879	provided under this section . The amount of coverage available 2618
3880	3880	under this section may shall not be reduced by a setoff against 2619
3881	3881	any coverage, including liability insurance. Such coverage does 2620
3882	3882	shall not inure directly or indirectly to the benefit of any 2621
3883	3883	workers' compensation or disabil ity benefits carrier or any 2622
3884	3884	person or organization qualifying as a self -insurer under any 2623
3885	3885	workers' compensation or disability benefits law or similar law. 2624
3886	3886	(7) The legal liability of an uninsured motorist coverage 2625
3887	3887
3888	3888	HB 429 2023
3889	3889
3890	3890
3891	3891
3892	3892	CODING: Words stricken are deletions; words underlined are additions.
3893	3893	hb0429-00
3894	3894	Page 106 of 147
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	insurer includes does not include damages in tort for pain, 2626
3900	3900	suffering, disability, physical impairment, disfigurement, 2627
3901	3901	mental anguish, and inconvenience, and the loss of capacity for 2628
3902	3902	the enjoyment of life experienced in the past and to be 2629
3903	3903	experienced in the future unless the injury or dis ease is 2630
3904	3904	described in one or more of paragraphs (a) -(d) of s. 627.737(2) . 2631
3905	3905	Section 47. Section 627.7275, Florida Statutes, is amended 2632
3906	3906	to read: 2633
3907	3907	627.7275 Required coverages in motor vehicle insurance 2634
3908	3908	policies; availability to certain applicants liability.— 2635
3909	3909	(1) A motor vehicle insurance policy providing personal 2636
3910	3910	injury protection as set forth in s. 627.736 may not be 2637
3911	3911	delivered or issued for delivery in this state for a with 2638
3912	3912	respect to any specifically insured or identified motor vehicle 2639
3913	3913	registered or principally garaged in this state must provide 2640
3914	3914	bodily injury liability coverage and unless the policy also 2641
3915	3915	provides coverage for property damage liability coverage as 2642
3916	3916	required under ss. 324.022 and 324.151 and death benefit 2643
3917	3917	coverage as required under s. 627.7 2761 by s. 324.022. 2644
3918	3918	(2)(a) Insurers writing motor vehicle insurance in this 2645
3919	3919	state shall make available, subject to the insurers' usual 2646
3920	3920	underwriting restrictions: 2647
3921	3921	1. Coverage under policies as described in subsection (1) 2648
3922	3922	to an applicant for private pass enger motor vehicle insurance 2649
3923	3923	coverage who is seeking the coverage in order to reinstate the 2650
3924	3924
3925	3925	HB 429 2023
3926	3926
3927	3927
3928	3928
3929	3929	CODING: Words stricken are deletions; words underlined are additions.
3930	3930	hb0429-00
3931	3931	Page 107 of 147
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	applicant's driving privileges in this state if the driving 2651
3937	3937	privileges were revoked or suspended pursuant to s. 316.646 or 2652
3938	3938	s. 324.0221 due to the failure of the ap plicant to maintain 2653
3939	3939	required security. 2654
3940	3940	2. Coverage under policies as described in subsection (1), 2655
3941	3941	which includes bodily injury also provides liability coverage 2656
3942	3942	and property damage liability coverage for bodily injury, death, 2657
3943	3943	and property damage arising o ut of the ownership, maintenance, 2658
3944	3944	or use of the motor vehicle in an amount not less than the 2659
3945	3945	minimum limits required under described in s. 324.021(7) or s. 2660
3946	3946	324.023 and which conforms to the requirements of s. 324.151, to 2661
3947	3947	an applicant for private passenger motor vehicle insurance 2662
3948	3948	coverage who is seeking the coverage in order to reinstate the 2663
3949	3949	applicant's driving privileges in this state after such 2664
3950	3950	privileges were revoked or suspended under s. 316.193 or s. 2665
3951	3951	322.26(2) for driving under the influence. 2666
3952	3952	(b) The policies described in paragraph (a) must shall be 2667
3953	3953	issued for at least 6 months and, as to the minimum coverages 2668
3954	3954	required under this section, may not be canceled by the insured 2669
3955	3955	for any reason or by the insurer after 60 days, during which 2670
3956	3956	period the insurer is completing the underwriting of the policy. 2671
3957	3957	After the insurer has completed underwriting the policy, the 2672
3958	3958	insurer shall notify the Department of Highway Safety and Motor 2673
3959	3959	Vehicles that the policy is in full force and effect and is not 2674
3960	3960	cancelable for the re mainder of the policy period. A premium 2675
3961	3961
3962	3962	HB 429 2023
3963	3963
3964	3964
3965	3965
3966	3966	CODING: Words stricken are deletions; words underlined are additions.
3967	3967	hb0429-00
3968	3968	Page 108 of 147
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	must shall be collected and the coverage is in effect for the 2676
3974	3974	60-day period during which the insurer is completing the 2677
3975	3975	underwriting of the policy , whether or not the person's driver 2678
3976	3976	license, motor vehicle tag, and mo tor vehicle registration are 2679
3977	3977	in effect. Once the noncancelable provisions of the policy 2680
3978	3978	become effective, the bodily injury liability and property 2681
3979	3979	damage liability coverages for bodily injury, property damage, 2682
3980	3980	and personal injury protection may not be reduced below the 2683
3981	3981	minimum limits required under s. 324.021 or s. 324.023 during 2684
3982	3982	the policy period. 2685
3983	3983	(c) This subsection controls to the extent of any conflict 2686
3984	3984	with any other section. 2687
3985	3985	(d) An insurer issuing a policy subject to this section 2688
3986	3986	may cancel the policy if, during the policy term, the named 2689
3987	3987	insured, or any other operator who resides in the same household 2690
3988	3988	or customarily operates an automobile insured under the policy, 2691
3989	3989	has his or her driver license suspended or revoked. 2692
3990	3990	(e) This subsection does not re quire an insurer to offer a 2693
3991	3991	policy of insurance to an applicant if such offer would be 2694
3992	3992	inconsistent with the insurer's underwriting guidelines and 2695
3993	3993	procedures. 2696
3994	3994	Section 48. Section 627.72761, Florida Statutes, is 2697
3995	3995	created to read: 2698
3996	3996	627.72761 Required mot or vehicle death benefit coverage. —2699
3997	3997	An insurance policy complying with the financial responsibility 2700
3998	3998
3999	3999	HB 429 2023
4000	4000
4001	4001
4002	4002
4003	4003	CODING: Words stricken are deletions; words underlined are additions.
4004	4004	hb0429-00
4005	4005	Page 109 of 147
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	requirements of s. 324.022 must provide a death benefit of 2701
4011	4011	$5,000 for each deceased person upon the death of the named 2702
4012	4012	insured, relatives residing in the sam e household, persons 2703
4013	4013	operating the insured motor vehicle, passengers in the motor 2704
4014	4014	vehicle, and other persons struck by the motor vehicle and 2705
4015	4015	suffering bodily injury while not an occupant of a self -2706
4016	4016	propelled motor vehicle when such death arises out of the 2707
4017	4017	ownership, maintenance, or use of a motor vehicle. The insurer 2708
4018	4018	may pay death benefits to the executor or administrator of the 2709
4019	4019	deceased person; to any of the deceased person's relatives by 2710
4020	4020	blood, legal adoption, or marriage; or to any person appearing 2711
4021	4021	to the insurer to be equitably entitled to such benefits. The 2712
4022	4022	benefit may not be paid if the deceased person died as a result 2713
4023	4023	of causing injury or death to himself or herself intentionally 2714
4024	4024	or because of injuries or death incurred while committing a 2715
4025	4025	felony. 2716
4026	4026	Section 49. Effective upon this act becoming a law, 2717
4027	4027	section 627.7278, Florida Statutes, is created to read: 2718
4028	4028	627.7278 Applicability and construction; notice to 2719
4029	4029	policyholders.— 2720
4030	4030	(1) As used in this section, the term "minimum security 2721
4031	4031	requirements" means se curity that enables a person to respond in 2722
4032	4032	damages for liability on account of crashes arising out of the 2723
4033	4033	ownership, maintenance, or use of a motor vehicle, in the 2724
4034	4034	amounts required by s. 324.022. 2725
4035	4035
4036	4036	HB 429 2023
4037	4037
4038	4038
4039	4039
4040	4040	CODING: Words stricken are deletions; words underlined are additions.
4041	4041	hb0429-00
4042	4042	Page 110 of 147
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	(2) Effective July 1, 2024: 2726
4048	4048	(a) Motor vehicle insurance policies issued or renewed on 2727
4049	4049	or after July 1, 2024, may not include personal injury 2728
4050	4050	protection. 2729
4051	4051	(b) All persons subject to s. 324.022, s. 324.032, s. 2730
4052	4052	627.7415, or s. 627.742 must maintain at least minimum security 2731
4053	4053	requirements. 2732
4054	4054	(c) Any new or renewal motor vehicle insurance policy 2733
4055	4055	delivered or issued for delivery in this state must provide 2734
4056	4056	coverage that complies with minimum security requirements and 2735
4057	4057	provides the death benefit set forth in s. 627.72761. 2736
4058	4058	(d) An existing motor vehicle insurance policy issued 2737
4059	4059	before July 1, 2024, which provides personal injury protection 2738
4060	4060	and property damage liability coverage that meets the 2739
4061	4061	requirements of s. 324.022 on June 30, 2024, but that does not 2740
4062	4062	meet minimum security requirements on or after July 1, 2024, is 2741
4063	4063	deemed to meet minimum security requirements until such policy 2742
4064	4064	is renewed, nonrenewed, or canceled on or after July 1, 2024. 2743
4065	4065	Sections 400.9905, 400.991, 456.057, 456.072, 626.9541(1)(i), 2744
4066	4066	627.7263, 627.727, 627.730 -627.7405, 627.748, and 817.234, 2745
4067	4067	Florida Statutes 2022, remain in full force and effect for motor 2746
4068	4068	vehicle accidents covered under a policy issued under the 2747
4069	4069	Florida Motor Vehicle No -Fault Law before July 1, 2024, until 2748
4070	4070	the policy is renewed, nonrenewed, or canceled on or after July 2749
4071	4071	1, 2024. 2750
4072	4072
4073	4073	HB 429 2023
4074	4074
4075	4075
4076	4076
4077	4077	CODING: Words stricken are deletions; words underlined are additions.
4078	4078	hb0429-00
4079	4079	Page 111 of 147
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	(3) Each insurer shall allow each insured who has a new or 2751
4085	4085	renewal policy providing personal injury protection which 2752
4086	4086	becomes effective before July 1, 2024, and whose policy does not 2753
4087	4087	meet minimum security requirements on or after July 1, 2024, to 2754
4088	4088	change coverages so as to eliminate personal injury protection 2755
4089	4089	and obtain coverage providing minimum security requirements and 2756
4090	4090	the death benefit set forth in s. 627.72761, which shall be 2757
4091	4091	effective on or after July 1, 2024. The insurer is not required 2758
4092	4092	to provide coverage comp lying with minimum security requirements 2759
4093	4093	and the death benefit set forth in s. 627.72761 in such policies 2760
4094	4094	if the insured does not pay the required premium, if any, by 2761
4095	4095	July 1, 2024, or such later date as the insurer may allow. The 2762
4096	4096	insurer shall also offer e ach insured medical payments coverage 2763
4097	4097	under s. 627.7265. Any reduction in the premium must be refunded 2764
4098	4098	by the insurer. The insurer may not impose on the insured an 2765
4099	4099	additional fee or charge that applies solely to a change in 2766
4100	4100	coverage; however, the insurer m ay charge an additional required 2767
4101	4101	premium that is actuarially indicated. 2768
4102	4102	(4) By April 1, 2024, each motor vehicle insurer shall 2769
4103	4103	provide notice of this section to each motor vehicle 2770
4104	4104	policyholder who is subject to this section. The notice is 2771
4105	4105	subject to approval by the office and must clearly inform the 2772
4106	4106	policyholder that: 2773
4107	4107	(a) The Florida Motor Vehicle No -Fault Law is repealed 2774
4108	4108	effective July 1, 2024, and that on or after that date, the 2775
4109	4109
4110	4110	HB 429 2023
4111	4111
4112	4112
4113	4113
4114	4114	CODING: Words stricken are deletions; words underlined are additions.
4115	4115	hb0429-00
4116	4116	Page 112 of 147
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	insured is no longer required to maintain personal injury 2776
4122	4122	protection insurance coverage, that personal injury protection 2777
4123	4123	coverage is no longer available for purchase in this state, and 2778
4124	4124	that all new or renewal policies issued on or after that date 2779
4125	4125	will not contain that coverage. 2780
4126	4126	(b) Effective July 1, 2024, a person subject to the 2781
4127	4127	financial responsibility requirements of s. 324.022 must: 2782
4128	4128	1. Maintain minimum security requirements that enable the 2783
4129	4129	person to respond to damages for liability on account of 2784
4130	4130	accidents arising out of the use of a motor vehicle in the 2785
4131	4131	following amounts: 2786
4132	4132	a. Twenty-five thousand dollars for bodily injury to, or 2787
4133	4133	the death of, one person in any one crash and, subject to such 2788
4134	4134	limits for one person, in the amount of $50,000 for bodily 2789
4135	4135	injury to, or the death of, two or more persons in any one 2790
4136	4136	crash; and 2791
4137	4137	b. Ten thousand dollars for damage to, or destruction of, 2792
4138	4138	the property of others in any one crash. 2793
4139	4139	2. Purchase a death benefit under s. 627.72761 providing 2794
4140	4140	coverage in the amount of $5,000 per deceased individual upon 2795
4141	4141	the death of the named insured, relati ves residing in the same 2796
4142	4142	household, persons operating the insured motor vehicle, 2797
4143	4143	passengers in the motor vehicle, and other persons struck by the 2798
4144	4144	motor vehicle and suffering bodily injury while not an occupant 2799
4145	4145	of a self-propelled motor vehicle, when such d eath arises out of 2800
4146	4146
4147	4147	HB 429 2023
4148	4148
4149	4149
4150	4150
4151	4151	CODING: Words stricken are deletions; words underlined are additions.
4152	4152	hb0429-00
4153	4153	Page 113 of 147
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	the ownership, maintenance, or use of a motor vehicle. 2801
4159	4159	(c) Bodily injury liability coverage protects the insured, 2802
4160	4160	up to the coverage limits, against loss if the insured is 2803
4161	4161	legally responsible for the death of or bodily injury to others 2804
4162	4162	in a motor vehicle accident. 2805
4163	4163	(d) Effective July 1, 2024, each policyholder of motor 2806
4164	4164	vehicle liability insurance purchased as proof of financial 2807
4165	4165	responsibility must be offered medical payments coverage 2808
4166	4166	benefits that comply with s. 627.7265. The insurer m ust offer 2809
4167	4167	medical payments coverage at limits of $5,000 and $10,000 2810
4168	4168	without a deductible. The insurer may also offer medical 2811
4169	4169	payments coverage at other limits greater than $5,000 and may 2812
4170	4170	offer coverage with a deductible of up to $500. Medical payments 2813
4171	4171	coverage pays covered medical expenses incurred due to bodily 2814
4172	4172	injury, sickness, or disease arising out of the ownership, 2815
4173	4173	maintenance, or use of the motor vehicle, up to the limits of 2816
4174	4174	such coverage, for injuries sustained in a motor vehicle crash 2817
4175	4175	by the named insured, resident relatives, any persons operating 2818
4176	4176	the insured motor vehicle, passengers in the insured motor 2819
4177	4177	vehicle, and persons who are struck by the insured motor vehicle 2820
4178	4178	and suffer bodily injury while not an occupant of a self -2821
4179	4179	propelled motor vehicle a s provided in s. 627.7265. 2822
4180	4180	(e) The policyholder may obtain uninsured and underinsured 2823
4181	4181	motorist coverage that provides benefits, up to the limits of 2824
4182	4182	such coverage, to a policyholder or other insured entitled to 2825
4183	4183
4184	4184	HB 429 2023
4185	4185
4186	4186
4187	4187
4188	4188	CODING: Words stricken are deletions; words underlined are additions.
4189	4189	hb0429-00
4190	4190	Page 114 of 147
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	recover damages for bodily injury, sickness, disease, or death 2826
4196	4196	resulting from a motor vehicle accident with an uninsured or 2827
4197	4197	underinsured owner or operator of a motor vehicle. 2828
4198	4198	(f) If the policyholder's new or renewal motor vehicle 2829
4199	4199	insurance policy is effective before July 1, 2024, and contains 2830
4200	4200	personal injury protection and property damage liability 2831
4201	4201	coverage as required by state law before July 1, 2024, but does 2832
4202	4202	not meet minimum security requirements on or after July 1, 2024, 2833
4203	4203	the policy is deemed to meet minimum security requirements and 2834
4204	4204	need not provide the death benefit set forth in s. 627.72761 2835
4205	4205	until it is renewed, nonrenewed, or canceled on or after July 1, 2836
4206	4206	2024. 2837
4207	4207	(g) A policyholder whose new or renewal policy becomes 2838
4208	4208	effective before July 1, 2024, but does not meet minimum 2839
4209	4209	security requirements on or after July 1, 2024, may change 2840
4210	4210	coverages under the policy so as to eliminate personal injury 2841
4211	4211	protection and to obtain coverage providing minimum security 2842
4212	4212	requirements, including bodily injury liability coverage and the 2843
4213	4213	death benefit set forth in s. 627.72761, which are effective on 2844
4214	4214	or after July 1, 2024. 2845
4215	4215	(h) If the policyholder has any questions, he or she 2846
4216	4216	should contact the person named at the telephone number provided 2847
4217	4217	in the notice. 2848
4218	4218	Section 50. Paragraph (a) of subsection (1) of section 2849
4219	4219	627.728, Florida Statutes, is amended to read: 2850
4220	4220
4221	4221	HB 429 2023
4222	4222
4223	4223
4224	4224
4225	4225	CODING: Words stricken are deletions; words underlined are additions.
4226	4226	hb0429-00
4227	4227	Page 115 of 147
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	627.728 Cancellations; nonrenewals. — 2851
4233	4233	(1) As used in this section, the term: 2852
4234	4234	(a) "Policy" means the bodily injury and property damage 2853
4235	4235	liability, personal injury protection, medical payments, death 2854
4236	4236	benefit, comprehensive, collision, and uninsured motorist 2855
4237	4237	coverage portions of a policy of motor vehicle insurance 2856
4238	4238	delivered or issued for delivery in this state: 2857
4239	4239	1. Insuring a natural person as named insured or one or 2858
4240	4240	more related individuals who are residents resident of the same 2859
4241	4241	household; and 2860
4242	4242	2. Insuring only a motor vehicle of the private passenger 2861
4243	4243	type or station wagon type which is not used as a public or 2862
4244	4244	livery conveyance for passengers or rented to others; or 2863
4245	4245	insuring any other four -wheel motor vehicle hav ing a load 2864
4246	4246	capacity of 1,500 pounds or less which is not used in the 2865
4247	4247	occupation, profession, or business of the insured other than 2866
4248	4248	farming; other than any policy issued under an automobile 2867
4249	4249	insurance assigned risk plan or covering garage, automobile 2868
4250	4250	sales agency, repair shop, service station, or public parking 2869
4251	4251	place operation hazards. 2870
4252	4252	2871
4253	4253	The term "policy" does not include a binder as defined in s. 2872
4254	4254	627.420 unless the duration of the binder period exceeds 60 2873
4255	4255	days. 2874
4256	4256	Section 51. Subsection (1), paragraph (a) of subsection 2875
4257	4257
4258	4258	HB 429 2023
4259	4259
4260	4260
4261	4261
4262	4262	CODING: Words stricken are deletions; words underlined are additions.
4263	4263	hb0429-00
4264	4264	Page 116 of 147
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	(5), and subsections (6) and (7) of section 627.7295, Florida 2876
4270	4270	Statutes, are amended to read: 2877
4271	4271	627.7295 Motor vehicle insurance contracts. — 2878
4272	4272	(1) As used in this section, the term: 2879
4273	4273	(a) "Policy" means a motor vehicle insurance policy that 2880
4274	4274	provides death benefit coverage under s. 627.72761, bodily 2881
4275	4275	injury liability personal injury protection coverage, and, 2882
4276	4276	property damage liability coverage , or both. 2883
4277	4277	(b) "Binder" means a binder that provides motor vehicle 2884
4278	4278	death benefit coverage under s. 627.72761, bodily injury 2885
4279	4279	liability coverage, personal injury protection and property 2886
4280	4280	damage liability coverage. 2887
4281	4281	(5)(a) A licensed general lines agent may charge a per -2888
4282	4282	policy fee of up to not to exceed $10 to cover the 2889
4283	4283	administrative costs of the agent associated with selling the 2890
4284	4284	motor vehicle insurance policy if the policy provides covers 2891
4285	4285	only the death benefit coverage under s. 627.72761, bodily 2892
4286	4286	injury liability coverage, personal injury protection c overage 2893
4287	4287	as provided by s. 627.736 and property damage liability coverage 2894
4288	4288	under as provided by s. 627.7275 and if no other insurance is 2895
4289	4289	sold or issued in conjunction with or collateral to the policy. 2896
4290	4290	The fee is not considered part of the premium. 2897
4291	4291	(6) If a motor vehicle owner's driver license, license 2898
4292	4292	plate, and registration have previously been suspended pursuant 2899
4293	4293	to s. 316.646 or s. 627.733, an insurer may cancel a new policy 2900
4294	4294
4295	4295	HB 429 2023
4296	4296
4297	4297
4298	4298
4299	4299	CODING: Words stricken are deletions; words underlined are additions.
4300	4300	hb0429-00
4301	4301	Page 117 of 147
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	only as provided in s. 627.7275. 2901
4307	4307	(7) A policy of private passenger motor vehicl e insurance 2902
4308	4308	or a binder for such a policy may be initially issued in this 2903
4309	4309	state only if, before the effective date of such binder or 2904
4310	4310	policy, the insurer or agent has collected from the insured an 2905
4311	4311	amount equal to at least 1 month's premium. An insurer, agen t, 2906
4312	4312	or premium finance company may not, directly or indirectly, take 2907
4313	4313	any action that results resulting in the insured paying having 2908
4314	4314	paid from the insured's own funds an amount less than the 1 2909
4315	4315	month's premium required by this subsection. This subsection 2910
4316	4316	applies without regard to whether the premium is financed by a 2911
4317	4317	premium finance company or is paid pursuant to a periodic 2912
4318	4318	payment plan of an insurer or an insurance agent. 2913
4319	4319	(a) This subsection does not apply : 2914
4320	4320	1. If an insured or member of the insured's famil y is 2915
4321	4321	renewing or replacing a policy or a binder for such policy 2916
4322	4322	written by the same insurer or a member of the same insurer 2917
4323	4323	group. This subsection does not apply 2918
4324	4324	2. To an insurer that issues private passenger motor 2919
4325	4325	vehicle coverage primarily to active duty or former military 2920
4326	4326	personnel or their dependents. This subsection does not apply 2921
4327	4327	3. If all policy payments are paid pursuant to a payroll 2922
4328	4328	deduction plan, an aut omatic electronic funds transfer payment 2923
4329	4329	plan from the policyholder, or a recurring credit card or debit 2924
4330	4330	card agreement with the insurer. 2925
4331	4331
4332	4332	HB 429 2023
4333	4333
4334	4334
4335	4335
4336	4336	CODING: Words stricken are deletions; words underlined are additions.
4337	4337	hb0429-00
4338	4338	Page 118 of 147
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	(b) This subsection and subsection (4) do not apply if : 2926
4344	4344	1. All policy payments to an insurer are paid pursuant to 2927
4345	4345	an automatic electronic funds transfer payment plan from an 2928
4346	4346	agent, a managing general agent, or a premium finance company 2929
4347	4347	and if the policy includes, at a minimum, the death benefit 2930
4348	4348	coverage under s. 627.72761, bodily injury liability coverage, 2931
4349	4349	and personal injury protection pursuant to ss. 627.730 -627.7405; 2932
4350	4350	motor vehicle property damage liability coverage under pursuant 2933
4351	4351	to s. 627.7275; or and bodily injury liability in at least the 2934
4352	4352	amount of $10,000 because of bodily injury to, or death of, one 2935
4353	4353	person in any one accident and in the amount of $20,000 because 2936
4354	4354	of bodily injury to, or death of, two or more persons in any one 2937
4355	4355	accident. This subsection and subsection (4) do not apply if 2938
4356	4356	2. An insured has had a policy in effect for at least 6 2939
4357	4357	months, the insured's agent is terminated by the insurer that 2940
4358	4358	issued the policy, and the insured obtains coverage on the 2941
4359	4359	policy's renewal date with a new company through the terminated 2942
4360	4360	agent. 2943
4361	4361	Section 52. Section 627.7415, Florida Statutes, is amended 2944
4362	4362	to read: 2945
4363	4363	627.7415 Commercial motor vehicles; additional liability 2946
4364	4364	insurance coverage.—Beginning July 1, 2024, commercial motor 2947
4365	4365	vehicles, as defined in s. 207.002 or s. 320.01, operated upon 2948
4366	4366	the roads and highways of this state must shall be insured with 2949
4367	4367	the following minimu m levels of combined bodily liability 2950
4368	4368
4369	4369	HB 429 2023
4370	4370
4371	4371
4372	4372
4373	4373	CODING: Words stricken are deletions; words underlined are additions.
4374	4374	hb0429-00
4375	4375	Page 119 of 147
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	insurance and property damage liability insurance in addition to 2951
4381	4381	any other insurance requirements: 2952
4382	4382	(1) Sixty Fifty thousand dollars per occurrence for a 2953
4383	4383	commercial motor vehicle with a gross vehicle weight of 26,000 2954
4384	4384	pounds or more, but less than 35,000 pounds. 2955
4385	4385	(2) One hundred twenty thousand dollars per occurrence for 2956
4386	4386	a commercial motor vehicle with a gross vehicle weight of 35,000 2957
4387	4387	pounds or more, but less than 44,000 pounds. 2958
4388	4388	(3) Three hundred thousand dollars per occurrence for a 2959
4389	4389	commercial motor vehicle with a gross vehicle weight of 44,000 2960
4390	4390	pounds or more. 2961
4391	4391	(4) All commercial motor vehicles subject to regulations 2962
4392	4392	of the United States Department of Transportation, 49 C.F.R. 2963
4393	4393	part 387, subparts A and B, and as may be hereinafter amended, 2964
4394	4394	shall be insured in an amount equivalent to the minimum levels 2965
4395	4395	of financial responsibility as set forth in such regulations. 2966
4396	4396	2967
4397	4397	A violation of this section is a noncriminal traffic infraction, 2968
4398	4398	punishable as a nonmoving violation as pr ovided in chapter 318. 2969
4399	4399	Section 53. Subsections (1) and (3) of section 627.747, 2970
4400	4400	Florida Statutes, are amended to read: 2971
4401	4401	627.747 Named driver exclusion. — 2972
4402	4402	(1) A private passenger motor vehicle policy may exclude 2973
4403	4403	the following coverages for all claims o r suits resulting from 2974
4404	4404	the operation of a motor vehicle by an identified individual who 2975
4405	4405
4406	4406	HB 429 2023
4407	4407
4408	4408
4409	4409
4410	4410	CODING: Words stricken are deletions; words underlined are additions.
4411	4411	hb0429-00
4412	4412	Page 120 of 147
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	is not a named insured, provided the identified individual is 2976
4418	4418	named on the declarations page or by endorsement and the named 2977
4419	4419	insured consents in writing to such exclusi on: 2978
4420	4420	(a) Notwithstanding the Florida Motor Vehicle No -Fault 2979
4421	4421	Law, the personal injury protection coverage specifically 2980
4422	4422	applicable to the identified individual's injuries, lost wages, 2981
4423	4423	and death benefits. 2982
4424	4424	(b) Property damage liability coverage. 2983
4425	4425	(b)(c) Bodily injury liability coverage , if required by 2984
4426	4426	law and purchased by the named insured . 2985
4427	4427	(c)(d) Uninsured motorist coverage for any damages 2986
4428	4428	sustained by the identified excluded individual, if the named 2987
4429	4429	insured has purchased such coverage. 2988
4430	4430	(d)(e) Any coverage the named insured is not required by 2989
4431	4431	law to purchase. 2990
4432	4432	(3) A driver excluded pursuant to this section must : 2991
4433	4433	(a) establish, maintain, and show proof of financial 2992
4434	4434	ability to respond for damages arising out of the ownership, 2993
4435	4435	maintenance, or use of a motor vehicle as required by chapter 2994
4436	4436	324; and 2995
4437	4437	(b) Maintain security as required by s. 627.733 . 2996
4438	4438	Section 54. Paragraphs (b), (c), and (g) of subsection 2997
4439	4439	(7), paragraphs (a) and (b) of subsection (8), and paragraph (b) 2998
4440	4440	of subsection (16) of section 627.748, Florida Statutes, are 2999
4441	4441	amended to read: 3000
4442	4442
4443	4443	HB 429 2023
4444	4444
4445	4445
4446	4446
4447	4447	CODING: Words stricken are deletions; words underlined are additions.
4448	4448	hb0429-00
4449	4449	Page 121 of 147
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	627.748 Transportation network companies. — 3001
4455	4455	(7) TRANSPORTATION NETWORK CO MPANY AND TNC DRIVER 3002
4456	4456	INSURANCE REQUIREMENTS. — 3003
4457	4457	(b) The following automobile insurance requirements apply 3004
4458	4458	while a participating TNC driver is logged on to the digital 3005
4459	4459	network but is not engaged in a prearranged ride: 3006
4460	4460	1. Automobile insurance that provides : 3007
4461	4461	a. A primary automobile liability coverage of at least 3008
4462	4462	$50,000 for death and bodily injury per person, $100,000 for 3009
4463	4463	death and bodily injury per incident, and $25,000 for property 3010
4464	4464	damage; and 3011
4465	4465	b. Personal injury protection benefits that meet the 3012
4466	4466	minimum coverage amounts required under ss. 627.730 -627.7405; 3013
4467	4467	and 3014
4468	4468	c. Uninsured and underinsured vehicle coverage as required 3015
4469	4469	by s. 627.727. 3016
4470	4470	2. The coverage requirements of this paragraph may be 3017
4471	4471	satisfied by any of the following: 3018
4472	4472	a. Automobile insurance mai ntained by the TNC driver or 3019
4473	4473	the TNC vehicle owner; 3020
4474	4474	b. Automobile insurance maintained by the TNC; or 3021
4475	4475	c. A combination of sub -subparagraphs a. and b. 3022
4476	4476	(c) The following automobile insurance requirements apply 3023
4477	4477	while a TNC driver is engaged in a prearra nged ride: 3024
4478	4478	1. Automobile insurance that provides: 3025
4479	4479
4480	4480	HB 429 2023
4481	4481
4482	4482
4483	4483
4484	4484	CODING: Words stricken are deletions; words underlined are additions.
4485	4485	hb0429-00
4486	4486	Page 122 of 147
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	a. A primary automobile liability coverage of at least $1 3026
4492	4492	million for death, bodily injury, and property damage; and 3027
4493	4493	b. Personal injury protection benefits that meet the 3028
4494	4494	minimum coverage amounts requi red of a limousine under ss. 3029
4495	4495	627.730-627.7405; and 3030
4496	4496	c. Uninsured and underinsured vehicle coverage as required 3031
4497	4497	by s. 627.727. 3032
4498	4498	2. The coverage requirements of this paragraph may be 3033
4499	4499	satisfied by any of the following: 3034
4500	4500	a. Automobile insurance maintained b y the TNC driver or 3035
4501	4501	the TNC vehicle owner; 3036
4502	4502	b. Automobile insurance maintained by the TNC; or 3037
4503	4503	c. A combination of sub -subparagraphs a. and b. 3038
4504	4504	(g) Insurance satisfying the requirements under this 3039
4505	4505	subsection is deemed to satisfy the financial responsibi lity 3040
4506	4506	requirement for a motor vehicle under chapter 324 and the 3041
4507	4507	security required under s. 627.733 for any period when the TNC 3042
4508	4508	driver is logged onto the digital network or engaged in a 3043
4509	4509	prearranged ride. 3044
4510	4510	(8) TRANSPORTATION NETWORK COMPANY AND INSURER; 3045
4511	4511	DISCLOSURE; EXCLUSIONS.— 3046
4512	4512	(a) Before a TNC driver is allowed to accept a request for 3047
4513	4513	a prearranged ride on the digital network, the TNC must disclose 3048
4514	4514	in writing to the TNC driver: 3049
4515	4515	1. The insurance coverage, including the types of coverage 3050
4516	4516
4517	4517	HB 429 2023
4518	4518
4519	4519
4520	4520
4521	4521	CODING: Words stricken are deletions; words underlined are additions.
4522	4522	hb0429-00
4523	4523	Page 123 of 147
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	and the limits for each coverage, which the TNC provides while 3051
4529	4529	the TNC driver uses a TNC vehicle in connection with the TNC's 3052
4530	4530	digital network. 3053
4531	4531	2. That the TNC driver's own automobile insurance policy 3054
4532	4532	might not provide any coverage while the TNC driver is logged on 3055
4533	4533	to the digital network or is engaged in a prearranged ride, 3056
4534	4534	depending on the terms of the TNC driver's own automobile 3057
4535	4535	insurance policy. 3058
4536	4536	3. That the provision of rides for compensation which are 3059
4537	4537	not prearranged rides subjects the driver to the coverage 3060
4538	4538	requirements imposed under s. 324.032(1) and (2) and that 3061
4539	4539	failure to meet such coverage requirements subjects the TNC 3062
4540	4540	driver to penalties p rovided in s. 324.221, up to and including 3063
4541	4541	a misdemeanor of the second degree. 3064
4542	4542	(b)1. An insurer that provides an automobile liability 3065
4543	4543	insurance policy under this part may exclude any and all 3066
4544	4544	coverage afforded under the policy issued to an owner or 3067
4545	4545	operator of a TNC vehicle while driving that vehicle for any 3068
4546	4546	loss or injury that occurs while a TNC driver is logged on to a 3069
4547	4547	digital network or while a TNC driver provides a prearranged 3070
4548	4548	ride. Exclusions imposed under this subsection are limited to 3071
4549	4549	coverage while a TNC driver is logged on to a digital network or 3072
4550	4550	while a TNC driver provides a prearranged ride. This right to 3073
4551	4551	exclude all coverage may apply to any coverage included in an 3074
4552	4552	automobile insurance policy, including, but not limited to: 3075
4553	4553
4554	4554	HB 429 2023
4555	4555
4556	4556
4557	4557
4558	4558	CODING: Words stricken are deletions; words underlined are additions.
4559	4559	hb0429-00
4560	4560	Page 124 of 147
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	a. Liability covera ge for bodily injury and property 3076
4566	4566	damage; 3077
4567	4567	b. Uninsured and underinsured motorist coverage; 3078
4568	4568	c. Medical payments coverage; 3079
4569	4569	d. Comprehensive physical damage coverage; 3080
4570	4570	e. Collision physical damage coverage; and 3081
4571	4571	f. Death benefit coverage under s. 627. 72761 Personal 3082
4572	4572	injury protection. 3083
4573	4573	2. The exclusions described in subparagraph 1. apply 3084
4574	4574	notwithstanding any requirement under chapter 324. These 3085
4575	4575	exclusions do not affect or diminish coverage otherwise 3086
4576	4576	available for permissive drivers or resident relatives under the 3087
4577	4577	personal automobile insurance policy of the TNC driver or owner 3088
4578	4578	of the TNC vehicle who are not occupying the TNC vehicle at the 3089
4579	4579	time of loss. This section does not require that a personal 3090
4580	4580	automobile insurance policy provide coverage while the TN C 3091
4581	4581	driver is logged on to a digital network, while the TNC driver 3092
4582	4582	is engaged in a prearranged ride, or while the TNC driver 3093
4583	4583	otherwise uses a vehicle to transport riders for compensation. 3094
4584	4584	3. This section must not be construed to require an 3095
4585	4585	insurer to use any particular policy language or reference to 3096
4586	4586	this section in order to exclude any and all coverage for any 3097
4587	4587	loss or injury that occurs while a TNC driver is logged on to a 3098
4588	4588	digital network or while a TNC driver provides a prearranged 3099
4589	4589	ride. 3100
4590	4590
4591	4591	HB 429 2023
4592	4592
4593	4593
4594	4594
4595	4595	CODING: Words stricken are deletions; words underlined are additions.
4596	4596	hb0429-00
4597	4597	Page 125 of 147
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	4. This section does not preclude an insurer from 3101
4603	4603	providing primary or excess coverage for the TNC driver's 3102
4604	4604	vehicle by contract or endorsement. 3103
4605	4605	(16) LUXURY GROUND TRANSPORTATION NETWORK COMPANIES. — 3104
4606	4606	(b) An entity may elect, upon written notification to the 3105
4607	4607	department, to be regulated as a luxury ground TNC. A luxury 3106
4608	4608	ground TNC must: 3107
4609	4609	1. Comply with all of the requirements of this section 3108
4610	4610	applicable to a TNC, including subsection (17), which do not 3109
4611	4611	conflict with subparagraph 2. or which do not prohibit the 3110
4612	4612	company from connecting riders to drivers who operate for -hire 3111
4613	4613	vehicles as defined in s. 320.01(15), including limousines and 3112
4614	4614	luxury sedans and excluding taxicabs. 3113
4615	4615	2. Maintain insurance coverage as required by subsection 3114
4616	4616	(7). However, if a prospective luxury ground TNC satisfies 3115
4617	4617	minimum financial responsibility through compliance with s. 3116
4618	4618	324.032(3) s. 324.032(2) by using self-insurance when it gives 3117
4619	4619	the department written notification of its election to be 3118
4620	4620	regulated as a luxury ground TNC, the luxury ground TNC may use 3119
4621	4621	self-insurance to meet the insurance requirements of subsection 3120
4622	4622	(7), so long as such self -insurance complies with s. 324.032(3) 3121
4623	4623	s. 324.032(2) and provides the limits of liability required by 3122
4624	4624	subsection (7). 3123
4625	4625	Section 55. Subsection (2) and paragraphs (a) and (c) of 3124
4626	4626	subsection (3) of section 627.7483, Florida Statutes, are 3125
4627	4627
4628	4628	HB 429 2023
4629	4629
4630	4630
4631	4631
4632	4632	CODING: Words stricken are deletions; words underlined are additions.
4633	4633	hb0429-00
4634	4634	Page 126 of 147
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	amended to read: 3126
4640	4640	627.7483 Peer-to-peer car sharing; insurance 3127
4641	4641	requirements.— 3128
4642	4642	(2) INSURANCE COVERAGE REQUIREMENTS. — 3129
4643	4643	(a)1. A peer-to-peer car-sharing program shall ensure 3130
4644	4644	that, during each car -sharing period, the shared vehicle owner 3131
4645	4645	and the shared vehicle driver are insured u nder a motor vehicle 3132
4646	4646	insurance policy that provides all of the following: 3133
4647	4647	a. Property damage liability coverage and bodily injury 3134
4648	4648	liability coverage that meet or exceed meets the minimum 3135
4649	4649	coverage amounts required under s. 324.022. 3136
4650	4650	b. Bodily injury liability coverage limits as described in 3137
4651	4651	s. 324.021(7)(a) and (b). 3138
4652	4652	c. Personal injury protection benefits that meet the 3139
4653	4653	minimum coverage amounts required under s. 627.736. 3140
4654	4654	d. Uninsured and underinsured vehicle coverage as required 3141
4655	4655	under s. 627.727. 3142
4656	4656	2. The peer-to-peer car-sharing program shall also ensure 3143
4657	4657	that the motor vehicle insurance policy under subparagraph 1.: 3144
4658	4658	a. Recognizes that the shared vehicle insured under the 3145
4659	4659	policy is made available and used through a peer -to-peer car-3146
4660	4660	sharing program; or 3147
4661	4661	b. Does not exclude the use of a shared vehicle by a 3148
4662	4662	shared vehicle driver. 3149
4663	4663	(b)1. The insurance described under paragraph (a) may be 3150
4664	4664
4665	4665	HB 429 2023
4666	4666
4667	4667
4668	4668
4669	4669	CODING: Words stricken are deletions; words underlined are additions.
4670	4670	hb0429-00
4671	4671	Page 127 of 147
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	satisfied by a motor vehicle insurance policy maintained by: 3151
4677	4677	a. A shared vehicle owner; 3152
4678	4678	b. A shared vehicle driver; 3153
4679	4679	c. A peer-to-peer car-sharing program; or 3154
4680	4680	d. A combination of a shared vehicle owner, a shared 3155
4681	4681	vehicle driver, and a peer -to-peer car-sharing program. 3156
4682	4682	2. The insurance policy maintained in subparagraph 1. 3157
4683	4683	which satisfies the insurance requirements under paragraph (a) 3158
4684	4684	is primary during each car -sharing period. If a claim occurs 3159
4685	4685	during the car-sharing period in another state with minimum 3160
4686	4686	financial responsibility limits higher than those limits 3161
4687	4687	required under chapter 324, the coverage maintained under 3162
4688	4688	paragraph (a) satisfies the difference in minimum coverage 3163
4689	4689	amounts up to the applicable policy limits. 3164
4690	4690	3.a. If the insurance maintained by a shared vehicle owner 3165
4691	4691	or shared vehicle driver in accordance with subparagraph 1. has 3166
4692	4692	lapsed or does not provide t he coverage required under paragraph 3167
4693	4693	(a), the insurance maintained by the peer -to-peer car-sharing 3168
4694	4694	program must provide the coverage required under paragraph (a), 3169
4695	4695	beginning with the first dollar of a claim, and must defend such 3170
4696	4696	claim, except under circumst ances as set forth in subparagraph 3171
4697	4697	(3)(a)2. 3172
4698	4698	b. Coverage under a motor vehicle insurance policy 3173
4699	4699	maintained by the peer -to-peer car-sharing program must not be 3174
4700	4700	dependent on another motor vehicle insurer first denying a 3175
4701	4701
4702	4702	HB 429 2023
4703	4703
4704	4704
4705	4705
4706	4706	CODING: Words stricken are deletions; words underlined are additions.
4707	4707	hb0429-00
4708	4708	Page 128 of 147
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	claim, and another motor vehicle insu rance policy is not 3176
4714	4714	required to first deny a claim. 3177
4715	4715	c. Notwithstanding any other law, statute, rule, or 3178
4716	4716	regulation to the contrary, a peer -to-peer car-sharing program 3179
4717	4717	has an insurable interest in a shared vehicle during the car -3180
4718	4718	sharing period. This sub -subparagraph does not create liability 3181
4719	4719	for a peer-to-peer car-sharing program for maintaining the 3182
4720	4720	coverage required under paragraph (a) and under this paragraph, 3183
4721	4721	if applicable. 3184
4722	4722	d. A peer-to-peer car-sharing program may own and maintain 3185
4723	4723	as the named insured one or more policies of motor vehicle 3186
4724	4724	insurance which provide coverage for: 3187
4725	4725	(I) Liabilities assumed by the peer -to-peer car-sharing 3188
4726	4726	program under a peer –to–peer car-sharing program agreement; 3189
4727	4727	(II) Liability of the shared vehicle owner; 3190
4728	4728	(III) Liability of the shared vehicle driver; 3191
4729	4729	(IV) Damage or loss to the shared motor vehicle; or 3192
4730	4730	(V) Damage, loss, or injury to persons or property to 3193
4731	4731	satisfy the personal injury protection and uninsured and 3194
4732	4732	underinsured motorist coverage requirements of this sec tion. 3195
4733	4733	e. Insurance required under paragraph (a), when maintained 3196
4734	4734	by a peer-to-peer car-sharing program, may be provided by an 3197
4735	4735	insurer authorized to do business in this state which is a 3198
4736	4736	member of the Florida Insurance Guaranty Association or an 3199
4737	4737	eligible surplus lines insurer that has a superior, excellent, 3200
4738	4738
4739	4739	HB 429 2023
4740	4740
4741	4741
4742	4742
4743	4743	CODING: Words stricken are deletions; words underlined are additions.
4744	4744	hb0429-00
4745	4745	Page 129 of 147
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	exceptional, or equivalent financial strength rating by a rating 3201
4751	4751	agency acceptable to the office. A peer -to-peer car-sharing 3202
4752	4752	program is not transacting in insurance when it maintains the 3203
4753	4753	insurance required under this section. 3204
4754	4754	(3) LIABILITIES AND INSURANCE EXCLUSIONS. — 3205
4755	4755	(a) Liability.— 3206
4756	4756	1. A peer-to-peer car-sharing program shall assume 3207
4757	4757	liability, except as provided in subparagraph 2., of a shared 3208
4758	4758	vehicle owner for bodily injury or property damage to t hird 3209
4759	4759	parties or uninsured and underinsured motorist or personal 3210
4760	4760	injury protection losses during the car -sharing period in an 3211
4761	4761	amount stated in the peer -to-peer car-sharing program agreement, 3212
4762	4762	which amount may not be less than those set forth in ss. 324.022 3213
4763	4763	and ss. 324.021(7)(a) and (b), 324.022, 627.727, and 627.736, 3214
4764	4764	respectively. 3215
4765	4765	2. The assumption of liability under subparagraph 1. does 3216
4766	4766	not apply if a shared vehicle owner: 3217
4767	4767	a. Makes an intentional or fraudulent material 3218
4768	4768	misrepresentation or omission to th e peer-to-peer car-sharing 3219
4769	4769	program before the car -sharing period in which the loss occurs; 3220
4770	4770	or 3221
4771	4771	b. Acts in concert with a shared vehicle driver who fails 3222
4772	4772	to return the shared vehicle pursuant to the terms of the peer -3223
4773	4773	to-peer car-sharing program agreement. 3224
4774	4774	3. The insurer, insurers, or peer -to-peer car-sharing 3225
4775	4775
4776	4776	HB 429 2023
4777	4777
4778	4778
4779	4779
4780	4780	CODING: Words stricken are deletions; words underlined are additions.
4781	4781	hb0429-00
4782	4782	Page 130 of 147
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	program providing coverage under paragraph (2)(a) shall assume 3226
4788	4788	primary liability for a claim when: 3227
4789	4789	a. A dispute exists over who was in control of the shared 3228
4790	4790	motor vehicle at the time of the loss, an d the peer-to-peer car-3229
4791	4791	sharing program does not have available, did not retain, or 3230
4792	4792	fails to provide the information required under subsection (5); 3231
4793	4793	or 3232
4794	4794	b. A dispute exists over whether the shared vehicle was 3233
4795	4795	returned to the alternatively agreed -upon location as required 3234
4796	4796	under subparagraph (1)(d)2. 3235
4797	4797	(c) Exclusions in motor vehicle insurance policies. —An 3236
4798	4798	authorized insurer that writes motor vehicle liability insurance 3237
4799	4799	in this state may exclude any coverage and the duty to defend or 3238
4800	4800	indemnify for any claim un der a shared vehicle owner's motor 3239
4801	4801	vehicle insurance policy, including, but not limited to: 3240
4802	4802	1. Liability coverage for bodily injury and property 3241
4803	4803	damage; 3242
4804	4804	2. Personal injury protection coverage; 3243
4805	4805	3. Uninsured and underinsured motorist coverage; 3244
4806	4806	3.4. Medical payments coverage; 3245
4807	4807	4.5. Comprehensive physical damage coverage; and 3246
4808	4808	5.6. Collision physical damage coverage. 3247
4809	4809	3248
4810	4810	This paragraph does not invalidate or limit any exclusion 3249
4811	4811	contained in a motor vehicle insurance policy, including any 3250
4812	4812
4813	4813	HB 429 2023
4814	4814
4815	4815
4816	4816
4817	4817	CODING: Words stricken are deletions; words underlined are additions.
4818	4818	hb0429-00
4819	4819	Page 131 of 147
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	insurance policy in use or approved for use which excludes 3251
4825	4825	coverage for motor vehicles made available for rent, sharing, or 3252
4826	4826	hire or for any business use. This paragraph does not 3253
4827	4827	invalidate, limit, or restrict an insurer's ability under 3254
4828	4828	existing law to underwrite, cancel, or nonrenew any insurance 3255
4829	4829	policy. 3256
4830	4830	Section 56. Paragraph (a) of subsection (2) of section 3257
4831	4831	627.749, Florida Statutes, is amended to read: 3258
4832	4832	627.749 Autonomous vehicles; insurance requirements. — 3259
4833	4833	(2) INSURANCE REQUIREMENTS. — 3260
4834	4834	(a) A fully autonomous vehi cle with the automated driving 3261
4835	4835	system engaged while logged on to an on -demand autonomous 3262
4836	4836	vehicle network or engaged in a prearranged ride must be covered 3263
4837	4837	by a policy of automobile insurance which provides: 3264
4838	4838	1. Primary liability coverage of at least $1 mil lion for 3265
4839	4839	death, bodily injury, and property damage. 3266
4840	4840	2. Personal injury protection benefits that meet the 3267
4841	4841	minimum coverage amounts required under ss. 627.730 -627.7405. 3268
4842	4842	3. Uninsured and underinsured vehicle coverage as required 3269
4843	4843	by s. 627.727. 3270
4844	4844	Section 57. Section 627.8405, Florida Statutes, is amended 3271
4845	4845	to read: 3272
4846	4846	627.8405 Prohibited acts; financing companies. —A No 3273
4847	4847	premium finance company shall, in a premium finance agreement or 3274
4848	4848	other agreement, may not finance the cost of or otherwise 3275
4849	4849
4850	4850	HB 429 2023
4851	4851
4852	4852
4853	4853
4854	4854	CODING: Words stricken are deletions; words underlined are additions.
4855	4855	hb0429-00
4856	4856	Page 132 of 147
4857	4857	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
4858	4858
4859	4859
4860	4860
4861	4861	provide for the collection or remittance of dues, assessments, 3276
4862	4862	fees, or other periodic payments of money for the cost of: 3277
4863	4863	(1) A membership in an automobile club. The term 3278
4864	4864	"automobile club" means a legal entity that which, in 3279
4865	4865	consideration of dues, assessments, or periodic payments of 3280
4866	4866	money, promises its members or subscribers to assist them in 3281
4867	4867	matters relating to the ownership, operation, use, or 3282
4868	4868	maintenance of a motor vehicle; however, the term this 3283
4869	4869	definition of "automobile club" does not include persons, 3284
4870	4870	associations, or corporations which are organized and operated 3285
4871	4871	solely for the purpose of conducting, sponsoring, or sanctioning 3286
4872	4872	motor vehicle races, exhibitions, or contests upon racetracks, 3287
4873	4873	or upon racecourses established and marked as such for the 3288
4874	4874	duration of such part icular events. As used in this subsection, 3289
4875	4875	the term words "motor vehicle" has used herein have the same 3290
4876	4876	meaning as defined in chapter 320. 3291
4877	4877	(2) An accidental death and dismemberment policy sold in 3292
4878	4878	combination with a policy providing only death benefit cov erage 3293
4879	4879	under s. 627.72761, bodily injury liability coverage, personal 3294
4880	4880	injury protection and property damage liability coverage only 3295
4881	4881	policy. 3296
4882	4882	(3) Any product not regulated under the provisions of this 3297
4883	4883	insurance code. 3298
4884	4884	3299
4885	4885	This section also applies to premium financing by any insurance 3300
4886	4886
4887	4887	HB 429 2023
4888	4888
4889	4889
4890	4890
4891	4891	CODING: Words stricken are deletions; words underlined are additions.
4892	4892	hb0429-00
4893	4893	Page 133 of 147
4894	4894	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
4895	4895
4896	4896
4897	4897
4898	4898	agent or insurance company under part XVI. The commission shall 3301
4899	4899	adopt rules to assure disclosure, at the time of sale, of 3302
4900	4900	coverages financed with personal injury protection and shall 3303
4901	4901	prescribe the form of such disclosure. 3304
4902	4902	Section 58. Subsection (1) of section 627.915, Florida 3305
4903	4903	Statutes, is amended to read: 3306
4904	4904	627.915 Insurer experience reporting. — 3307
4905	4905	(1) Each insurer transacting private passenger motor 3308
4906	4906	vehicle automobile insurance in this stat e shall report certain 3309
4907	4907	information annually to the office. The information will be due 3310
4908	4908	on or before July 1 of each year. The information must shall be 3311
4909	4909	divided into the following categories: bodily injury liability; 3312
4910	4910	property damage liability; uninsured moto rist; death benefit 3313
4911	4911	coverage under s. 627.72761 personal injury protection benefits ; 3314
4912	4912	medical payments; and comprehensive and collision. The 3315
4913	4913	information given must shall be on direct insurance writings in 3316
4914	4914	the state alone and shall represent total limits dat a. The 3317
4915	4915	information set forth in paragraphs (a) -(f) is applicable to 3318
4916	4916	voluntary private passenger and Joint Underwriting Association 3319
4917	4917	private passenger writings and must shall be reported for each 3320
4918	4918	of the latest 3 calendar -accident years, with an evaluation da te 3321
4919	4919	of March 31 of the current year. The information set forth in 3322
4920	4920	paragraphs (g)-(j) is applicable to voluntary private passenger 3323
4921	4921	writings and must shall be reported on a calendar -accident year 3324
4922	4922	basis ultimately seven times at seven different stages of 3325
4923	4923
4924	4924	HB 429 2023
4925	4925
4926	4926
4927	4927
4928	4928	CODING: Words stricken are deletions; words underlined are additions.
4929	4929	hb0429-00
4930	4930	Page 134 of 147
4931	4931	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
4932	4932
4933	4933
4934	4934
4935	4935	development. 3326
4936	4936	(a) Premiums earned for the latest 3 calendar -accident 3327
4937	4937	years. 3328
4938	4938	(b) Loss development factors and the historic development 3329
4939	4939	of those factors. 3330
4940	4940	(c) Policyholder dividends incurred. 3331
4941	4941	(d) Expenses for other acquisition and general expense. 3332
4942	4942	(e) Expenses for agents' commissions and taxes, licenses, 3333
4943	4943	and fees. 3334
4944	4944	(f) Profit and contingency factors as utilized in the 3335
4945	4945	insurer's automobile rate filings for the applicable years. 3336
4946	4946	(g) Losses paid. 3337
4947	4947	(h) Losses unpaid. 3338
4948	4948	(i) Loss adjustment expenses paid. 3339
4949	4949	(j) Loss adjustment expenses unpaid. 3340
4950	4950	Section 59. Subsections (2) and (3) of section 628.909, 3341
4951	4951	Florida Statutes, are amended to read: 3342
4952	4952	628.909 Applicability of other laws. — 3343
4953	4953	(2) The following provisions of the Florida Insurance Code 3344
4954	4954	apply to captive insurance companies that who are not industrial 3345
4955	4955	insured captive insurance companies to the extent that such 3346
4956	4956	provisions are not inconsistent with this part: 3347
4957	4957	(a) Chapter 624, exce pt for ss. 624.407, 624.408, 3348
4958	4958	624.4085, 624.40851, 624.4095, 624.411, 624.425, and 624.426. 3349
4959	4959	(b) Chapter 625, part II. 3350
4960	4960
4961	4961	HB 429 2023
4962	4962
4963	4963
4964	4964
4965	4965	CODING: Words stricken are deletions; words underlined are additions.
4966	4966	hb0429-00
4967	4967	Page 135 of 147
4968	4968	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
4969	4969
4970	4970
4971	4971
4972	4972	(c) Chapter 626, part IX. 3351
4973	4973	(d) Sections 627.730-627.7405, when no-fault coverage is 3352
4974	4974	provided. 3353
4975	4975	(e) Chapter 628. 3354
4976	4976	(3) The following p rovisions of the Florida Insurance Code 3355
4977	4977	shall apply to industrial insured captive insurance companies to 3356
4978	4978	the extent that such provisions are not inconsistent with this 3357
4979	4979	part: 3358
4980	4980	(a) Chapter 624, except for ss. 624.407, 624.408, 3359
4981	4981	624.4085, 624.40851, 624.4095, 624.411, 624.425, 624.426, and 3360
4982	4982	624.609(1). 3361
4983	4983	(b) Chapter 625, part II, if the industrial insured 3362
4984	4984	captive insurance company is incorporated in this state. 3363
4985	4985	(c) Chapter 626, part IX. 3364
4986	4986	(d) Sections 627.730-627.7405 when no-fault coverage is 3365
4987	4987	provided. 3366
4988	4988	(e) Chapter 628, except for ss. 628.341, 628.351, and 3367
4989	4989	628.6018. 3368
4990	4990	Section 60. Subsections (2), (6), and (7) of section 3369
4991	4991	705.184, Florida Statutes, are amended to read: 3370
4992	4992	705.184 Derelict or abandoned motor vehicles on the 3371
4993	4993	premises of public-use airports.— 3372
4994	4994	(2) The airport director or the director's designee shall 3373
4995	4995	contact the Department of Highway Safety and Motor Vehicles to 3374
4996	4996	notify that department that the airport has possession of the 3375
4997	4997
4998	4998	HB 429 2023
4999	4999
5000	5000
5001	5001
5002	5002	CODING: Words stricken are deletions; words underlined are additions.
5003	5003	hb0429-00
5004	5004	Page 136 of 147
5005	5005	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
5006	5006
5007	5007
5008	5008
5009	5009	abandoned or derelict motor vehicle and to determine the name 3376
5010	5010	and address of the owner of the motor vehicle, the insurance 3377
5011	5011	company insuring the motor vehicle, notwithstanding the 3378
5012	5012	provisions of s. 627.736, and any person who has filed a lien on 3379
5013	5013	the motor vehicle. Within 7 business days after receipt of the 3380
5014	5014	information, the direc tor or the director's designee shall send 3381
5015	5015	notice by certified mail, return receipt requested, to the owner 3382
5016	5016	of the motor vehicle, the insurance company insuring the motor 3383
5017	5017	vehicle, notwithstanding the provisions of s. 627.736, and all 3384
5018	5018	persons of record claim ing a lien against the motor vehicle. The 3385
5019	5019	notice must shall state the fact of possession of the motor 3386
5020	5020	vehicle, that charges for reasonable towing, storage, and 3387
5021	5021	parking fees, if any, have accrued and the amount thereof, that 3388
5022	5022	a lien as provided in subsection (6) will be claimed, that the 3389
5023	5023	lien is subject to enforcement pursuant to law, that the owner 3390
5024	5024	or lienholder, if any, has the right to a hearing as set forth 3391
5025	5025	in subsection (4), and that any motor vehicle which, at the end 3392
5026	5026	of 30 calendar days after receipt o f the notice, has not been 3393
5027	5027	removed from the airport upon payment in full of all accrued 3394
5028	5028	charges for reasonable towing, storage, and parking fees, if 3395
5029	5029	any, may be disposed of as provided in s. 705.182(2)(a), (b), 3396
5030	5030	(d), or (e), including, but not limited to, t he motor vehicle 3397
5031	5031	being sold free of all prior liens after 35 calendar days after 3398
5032	5032	the time the motor vehicle is stored if any prior liens on the 3399
5033	5033	motor vehicle are more than 5 years of age or after 50 calendar 3400
5034	5034
5035	5035	HB 429 2023
5036	5036
5037	5037
5038	5038
5039	5039	CODING: Words stricken are deletions; words underlined are additions.
5040	5040	hb0429-00
5041	5041	Page 137 of 147
5042	5042	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
5043	5043
5044	5044
5045	5045
5046	5046	days after the time the motor vehicle is stored if any prior 3401
5047	5047	liens on the motor vehicle are 5 years of age or less. 3402
5048	5048	(6) The airport pursuant to this section or, if used, a 3403
5049	5049	licensed independent wrecker company pursuant to s. 713.78 shall 3404
5050	5050	have a lien on an abandoned or derelict motor vehicle for all 3405
5051	5051	reasonable towing, storage, and accrued parking fees, if any, 3406
5052	5052	except that no storage fee may shall be charged if the motor 3407
5053	5053	vehicle is stored less than 6 hours. As a prerequisite to 3408
5054	5054	perfecting a lien under this section, the airport director or 3409
5055	5055	the director's designee must serve a notice in accordance with 3410
5056	5056	subsection (2) on the owner of the motor vehicle, the insurance 3411
5057	5057	company insuring the motor vehicle, notwithstanding the 3412
5058	5058	provisions of s. 627.736, and all persons of record claiming a 3413
5059	5059	lien against the motor veh icle. If attempts to notify the owner, 3414
5060	5060	the insurance company insuring the motor vehicle, 3415
5061	5061	notwithstanding the provisions of s. 627.736, or lienholders are 3416
5062	5062	not successful, the requirement of notice by mail shall be 3417
5063	5063	considered met. Serving of the notice does not dispense with 3418
5064	5064	recording the claim of lien. 3419
5065	5065	(7)(a) For the purpose of perfecting its lien under this 3420
5066	5066	section, the airport shall record a claim of lien which states 3421
5067	5067	shall state: 3422
5068	5068	1. The name and address of the airport. 3423
5069	5069	2. The name of the owner of th e motor vehicle, the 3424
5070	5070	insurance company insuring the motor vehicle, notwithstanding 3425
5071	5071
5072	5072	HB 429 2023
5073	5073
5074	5074
5075	5075
5076	5076	CODING: Words stricken are deletions; words underlined are additions.
5077	5077	hb0429-00
5078	5078	Page 138 of 147
5079	5079	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
5080	5080
5081	5081
5082	5082
5083	5083	the provisions of s. 627.736, and all persons of record claiming 3426
5084	5084	a lien against the motor vehicle. 3427
5085	5085	3. The costs incurred from reasonable towing, storage, and 3428
5086	5086	parking fees, if any. 3429
5087	5087	4. A description of the motor vehicle sufficient for 3430
5088	5088	identification. 3431
5089	5089	(b) The claim of lien must shall be signed and sworn to or 3432
5090	5090	affirmed by the airport director or the director's designee. 3433
5091	5091	(c) The claim of lien is shall be sufficient if it is in 3434
5092	5092	substantially the following form: 3435
5093	5093	3436
5094	5094	CLAIM OF LIEN 3437
5095	5095	State of ........ 3438
5096	5096	County of ........ 3439
5097	5097	Before me, the undersigned notary public, personally appeared 3440
5098	5098	........, who was duly sworn and says that he/she is the 3441
5099	5099	........ of ............, whose address is........; and that the 3442
5100	5100	following described motor vehicle: 3443
5101	5101	...(Description of motor vehicle)... 3444
5102	5102	owned by ........, whose address is ........, has accrued 3445
5103	5103	$........ in fees for a reasonable tow, for storage, and for 3446
5104	5104	parking, if applicable; that the lienor served its notice to the 3447
5105	5105	owner, the insurance company insuring the motor vehicle 3448
5106	5106	notwithstanding the provisions of s. 627.736, Florida Statutes , 3449
5107	5107	and all persons of record claiming a lien against the motor 3450
5108	5108
5109	5109	HB 429 2023
5110	5110
5111	5111
5112	5112
5113	5113	CODING: Words stricken are deletions; words underlined are additions.
5114	5114	hb0429-00
5115	5115	Page 139 of 147
5116	5116	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
5117	5117
5118	5118
5119	5119
5120	5120	vehicle on ...., ...(year)..., by......... 3451
5121	5121	...(Signature)... 3452
5122	5122	Sworn to (or affirmed) and subscribed before me this .... day of 3453
5123	5123	...., ...(year)..., by ...(name of person making statement).... 3454
5124	5124	...(Signature of Notary Public)... ...(Print, Type, or Stamp 3455
5125	5125	Commissioned name of Notary Public)... 3456
5126	5126	Personally Known....OR Produced....as identification. 3457
5127	5127	3458
5128	5128	However, the negligent inclusion or omission of any information 3459
5129	5129	in this claim of lien which does not prejudice the owner does 3460
5130	5130	not constitute a default that operates to defeat an otherwise 3461
5131	5131	valid lien. 3462
5132	5132	(d) The claim of lien must shall be served on the owner of 3463
5133	5133	the motor vehicle, the insurance company insuring the motor 3464
5134	5134	vehicle, notwithstanding the provisions of s. 627.736, and all 3465
5135	5135	persons of record claiming a lien against the motor vehicle. If 3466
5136	5136	attempts to notify the own er, the insurance company insuring the 3467
5137	5137	motor vehicle notwithstanding the provisions of s. 627.736 , or 3468
5138	5138	lienholders are not successful, the requirement of notice by 3469
5139	5139	mail is shall be considered met. The claim of lien must shall be 3470
5140	5140	so served before recordation. 3471
5141	5141	(e) The claim of lien must shall be recorded with the 3472
5142	5142	clerk of court in the county where the airport is located. The 3473
5143	5143	recording of the claim of lien shall be constructive notice to 3474
5144	5144	all persons of the contents and effect o f such claim. The lien 3475
5145	5145
5146	5146	HB 429 2023
5147	5147
5148	5148
5149	5149
5150	5150	CODING: Words stricken are deletions; words underlined are additions.
5151	5151	hb0429-00
5152	5152	Page 140 of 147
5153	5153	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
5154	5154
5155	5155
5156	5156
5157	5157	attaches shall attach at the time of recordation and takes shall 3476
5158	5158	take priority as of that time. 3477
5159	5159	Section 61. Paragraphs (a), (b), and (c) of subsection (4) 3478
5160	5160	of section 713.78, Florida Statutes, are amended to read: 3479
5161	5161	713.78 Liens for recovering, towing, or storing vehicles 3480
5162	5162	and vessels.— 3481
5163	5163	(4)(a) A person regularly engaged in the business of 3482
5164	5164	recovering, towing, or storing vehicles or vessels who comes 3483
5165	5165	into possession of a vehicle or vessel pursuant to subsection 3484
5166	5166	(2), and who claims a lien for recovery, towing, or storage 3485
5167	5167	services, shall give notice, by certified mail, to the 3486
5168	5168	registered owner, the insurance company insuring the vehicle 3487
5169	5169	notwithstanding s. 627.736 , and all persons claiming a lien 3488
5170	5170	thereon, as disclosed by the records in t he Department of 3489
5171	5171	Highway Safety and Motor Vehicles or as disclosed by the records 3490
5172	5172	of any corresponding agency in any other state in which the 3491
5173	5173	vehicle is identified through a records check of the National 3492
5174	5174	Motor Vehicle Title Information System or an equival ent 3493
5175	5175	commercially available system as being titled or registered. 3494
5176	5176	(b) Whenever a law enforcement agency authorizes the 3495
5177	5177	removal of a vehicle or vessel or whenever a towing service, 3496
5178	5178	garage, repair shop, or automotive service, storage, or parking 3497
5179	5179	place notifies the law enforcement agency of possession of a 3498
5180	5180	vehicle or vessel pursuant to s. 715.07(2)(a)2., the law 3499
5181	5181	enforcement agency of the jurisdiction where the vehicle or 3500
5182	5182
5183	5183	HB 429 2023
5184	5184
5185	5185
5186	5186
5187	5187	CODING: Words stricken are deletions; words underlined are additions.
5188	5188	hb0429-00
5189	5189	Page 141 of 147
5190	5190	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
5191	5191
5192	5192
5193	5193
5194	5194	vessel is stored shall contact the Department of Highway Safety 3501
5195	5195	and Motor Vehicles, or th e appropriate agency of the state of 3502
5196	5196	registration, if known, within 24 hours through the medium of 3503
5197	5197	electronic communications, giving the full description of the 3504
5198	5198	vehicle or vessel. Upon receipt of the full description of the 3505
5199	5199	vehicle or vessel, the departmen t shall search its files to 3506
5200	5200	determine the owner's name, the insurance company insuring the 3507
5201	5201	vehicle or vessel, and whether any person has filed a lien upon 3508
5202	5202	the vehicle or vessel as provided in s. 319.27(2) and (3) and 3509
5203	5203	notify the applicable law enforcement a gency within 72 hours. 3510
5204	5204	The person in charge of the towing service, garage, repair shop, 3511
5205	5205	or automotive service, storage, or parking place shall obtain 3512
5206	5206	such information from the applicable law enforcement agency 3513
5207	5207	within 5 days after the date of storage and sh all give notice 3514
5208	5208	pursuant to paragraph (a). The department may release the 3515
5209	5209	insurance company information to the requestor notwithstanding 3516
5210	5210	s. 627.736. 3517
5211	5211	(c) The notice of lien must be sent by certified mail to 3518
5212	5212	the registered owner, the insurance company insu ring the vehicle 3519
5213	5213	notwithstanding s. 627.736 , and all other persons claiming a 3520
5214	5214	lien thereon within 7 business days, excluding Saturday and 3521
5215	5215	Sunday, after the date of storage of the vehicle or vessel. 3522
5216	5216	However, in no event shall the notice of lien be sent less than 3523
5217	5217	30 days before the sale of the vehicle or vessel. The notice 3524
5218	5218	must state: 3525
5219	5219
5220	5220	HB 429 2023
5221	5221
5222	5222
5223	5223
5224	5224	CODING: Words stricken are deletions; words underlined are additions.
5225	5225	hb0429-00
5226	5226	Page 142 of 147
5227	5227	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
5228	5228
5229	5229
5230	5230
5231	5231	1. If the claim of lien is for a vehicle, the last 8 3526
5232	5232	digits of the vehicle identification number of the vehicle 3527
5233	5233	subject to the lien, or, if the claim of lien is for a vessel, 3528
5234	5234	the hull identification number of the vessel subject to the 3529
5235	5235	lien, clearly printed in the delivery address box and on the 3530
5236	5236	outside of the envelope sent to the registered owner and all 3531
5237	5237	other persons claiming an interest therein or lien thereon. 3532
5238	5238	2. The name, physical address, and telephone number of the 3533
5239	5239	lienor, and the entity name, as registered with the Division of 3534
5240	5240	Corporations, of the business where the towing and storage 3535
5241	5241	occurred, which must also appear on the outside of the envelope 3536
5242	5242	sent to the registered owner and all other persons claiming an 3537
5243	5243	interest in or lien on the vehicle or vessel. 3538
5244	5244	3. The fact of possession of the vehicle or vessel. 3539
5245	5245	4. The name of the person or entity that authorized the 3540
5246	5246	lienor to take possession of the vehicle or vessel. 3541
5247	5247	5. That a lien as provided in subsection (2) is claimed. 3542
5248	5248	6. That charges have accrued and include an itemized 3543
5249	5249	statement of the amount thereof. 3544
5250	5250	7. That the lien is subject to enforcement under law and 3545
5251	5251	that the owner or lienholder, if any, has the right to a hearing 3546
5252	5252	as set forth in subsection (5). 3547
5253	5253	8. That any vehicle or vessel that remains unclaimed, or 3548
5254	5254	for which the charges for recovery, towing, or storage services 3549
5255	5255	remain unpaid, may be sold free of all prior liens 35 days after 3550
5256	5256
5257	5257	HB 429 2023
5258	5258
5259	5259
5260	5260
5261	5261	CODING: Words stricken are deletions; words underlined are additions.
5262	5262	hb0429-00
5263	5263	Page 143 of 147
5264	5264	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
5265	5265
5266	5266
5267	5267
5268	5268	the vehicle or vessel is s tored by the lienor if the vehicle or 3551
5269	5269	vessel is more than 3 years of age or 50 days after the vehicle 3552
5270	5270	or vessel is stored by the lienor if the vehicle or vessel is 3 3553
5271	5271	years of age or less. 3554
5272	5272	9. The address at which the vehicle or vessel is 3555
5273	5273	physically located. 3556
5274	5274	Section 62. Paragraph (a) of subsection (1), paragraph (c) 3557
5275	5275	of subsection (7), paragraphs (a), (b), and (c) of subsection 3558
5276	5276	(8), and subsections (9) and (10) of section 817.234, Florida 3559
5277	5277	Statutes, are amended to read: 3560
5278	5278	817.234 False and fraudulent insu rance claims.— 3561
5279	5279	(1)(a) A person commits insurance fraud punishable as 3562
5280	5280	provided in subsection (11) if that person, with the intent to 3563
5281	5281	injure, defraud, or deceive any insurer: 3564
5282	5282	1. Presents or causes to be presented any written or oral 3565
5283	5283	statement as part of, or in support of, a claim for payment or 3566
5284	5284	other benefit pursuant to an insurance policy or a health 3567
5285	5285	maintenance organization subscriber or provider contract, 3568
5286	5286	knowing that such statement contains any false, incomplete, or 3569
5287	5287	misleading information concerning any fact or thing material to 3570
5288	5288	such claim; 3571
5289	5289	2. Prepares or makes any written or oral statement that is 3572
5290	5290	intended to be presented to an any insurer in connection with, 3573
5291	5291	or in support of, any claim for payment or other benefit 3574
5292	5292	pursuant to an insurance policy or a health maintenance 3575
5293	5293
5294	5294	HB 429 2023
5295	5295
5296	5296
5297	5297
5298	5298	CODING: Words stricken are deletions; words underlined are additions.
5299	5299	hb0429-00
5300	5300	Page 144 of 147
5301	5301	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
5302	5302
5303	5303
5304	5304
5305	5305	organization subscriber or provider contract, knowing that such 3576
5306	5306	statement contains any false, incomplete, or misleading 3577
5307	5307	information concerning any fact or thing material to such claim; 3578
5308	5308	3.a. Knowingly presents, causes to be presented, or 3579
5309	5309	prepares or makes with knowledge or belief that it will be 3580
5310	5310	presented to an any insurer, purported insurer, servicing 3581
5311	5311	corporation, insurance broker, or insurance agent, or any 3582
5312	5312	employee or agent thereof, any false, incomplete, or misleading 3583
5313	5313	information or a written or oral statement as part of, or in 3584
5314	5314	support of, an application for the issuance of, or the rating 3585
5315	5315	of, any insurance policy, or a health maintenance organization 3586
5316	5316	subscriber or provider contract; or 3587
5317	5317	b. Knowingly conceals information concerning any fact 3588
5318	5318	material to such application; or 3589
5319	5319	4. Knowingly presents, causes to be presented, or prepares 3590
5320	5320	or makes with knowledge or belief that it will be presented to 3591
5321	5321	any insurer a claim for payment or other benefit under medical 3592
5322	5322	payments coverage in a motor vehicle a personal injury 3593
5323	5323	protection insurance policy if the person knows that the payee 3594
5324	5324	knowingly submitted a false, misleading, or fraudulent 3595
5325	5325	application or other document when applying for licensure as a 3596
5326	5326	health care clinic, seeking an exemption from licensure as a 3597
5327	5327	health care clinic, or demonstrating compliance with part X of 3598
5328	5328	chapter 400. 3599
5329	5329	(7) 3600
5330	5330
5331	5331	HB 429 2023
5332	5332
5333	5333
5334	5334
5335	5335	CODING: Words stricken are deletions; words underlined are additions.
5336	5336	hb0429-00
5337	5337	Page 145 of 147
5338	5338	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
5339	5339
5340	5340
5341	5341
5342	5342	(c) An insurer, or any person acting at the direction of 3601
5343	5343	or on behalf of an in surer, may not change an opinion in a 3602
5344	5344	mental or physical report prepared under s. 627.736(7) or direct 3603
5345	5345	the physician preparing the report to change such opinion; 3604
5346	5346	however, this provision does not preclude the insurer from 3605
5347	5347	calling to the attention of the phy sician errors of fact in the 3606
5348	5348	report based upon information in the claim file. Any person who 3607
5349	5349	violates this paragraph commits a felony of the third degree, 3608
5350	5350	punishable as provided in s. 775.082, s. 775.083, or s. 775.084. 3609
5351	5351	(8)(a) It is unlawful for any pers on intending to defraud 3610
5352	5352	any other person to solicit or cause to be solicited any 3611
5353	5353	business from a person involved in a motor vehicle accident for 3612
5354	5354	the purpose of making, adjusting, or settling motor vehicle tort 3613
5355	5355	claims or claims for benefits under medical pa yments coverage in 3614
5356	5356	a motor vehicle insurance policy personal injury protection 3615
5357	5357	benefits required by s. 627.736 . Any person who violates the 3616
5358	5358	provisions of this paragraph commits a felony of the second 3617
5359	5359	degree, punishable as provided in s. 775.082, s. 775.083 , or s. 3618
5360	5360	775.084. A person who is convicted of a violation of this 3619
5361	5361	subsection shall be sentenced to a minimum term of imprisonment 3620
5362	5362	of 2 years. 3621
5363	5363	(b) A person may not solicit or cause to be solicited any 3622
5364	5364	business from a person involved in a motor vehicle acc ident by 3623
5365	5365	any means of communication other than advertising directed to 3624
5366	5366	the public for the purpose of making motor vehicle tort claims 3625
5367	5367
5368	5368	HB 429 2023
5369	5369
5370	5370
5371	5371
5372	5372	CODING: Words stricken are deletions; words underlined are additions.
5373	5373	hb0429-00
5374	5374	Page 146 of 147
5375	5375	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
5376	5376
5377	5377
5378	5378
5379	5379	or claims for benefits under medical payments coverage in a 3626
5380	5380	motor vehicle insurance policy personal injury protection 3627
5381	5381	benefits required by s. 627.736, within 60 days after the 3628
5382	5382	occurrence of the motor vehicle accident. Any person who 3629
5383	5383	violates this paragraph commits a felony of the third degree, 3630
5384	5384	punishable as provided in s. 775.082, s. 775.083, or s. 775.084. 3631
5385	5385	(c) A lawyer, health care practitioner as defined in s. 3632
5386	5386	456.001, or owner or medical director of a clinic required to be 3633
5387	5387	licensed pursuant to s. 400.9905 may not, at any time after 60 3634
5388	5388	days have elapsed from the occurrence of a motor vehicle 3635
5389	5389	accident, solicit or cause to b e solicited any business from a 3636
5390	5390	person involved in a motor vehicle accident by means of in 3637
5391	5391	person or telephone contact at the person's residence, for the 3638
5392	5392	purpose of making motor vehicle tort claims or claims for 3639
5393	5393	benefits under medical payments coverage in a motor vehicle 3640
5394	5394	insurance policy personal injury protection benefits required by 3641
5395	5395	s. 627.736. Any person who violates this paragraph commits a 3642
5396	5396	felony of the third degree, punishable as provided in s. 3643
5397	5397	775.082, s. 775.083, or s. 775.084. 3644
5398	5398	(9) A person may no t organize, plan, or knowingly 3645
5399	5399	participate in an intentional motor vehicle crash or a scheme to 3646
5400	5400	create documentation of a motor vehicle crash that did not occur 3647
5401	5401	for the purpose of making motor vehicle tort claims or claims 3648
5402	5402	for benefits under medical paymen ts coverage in a motor vehicle 3649
5403	5403	insurance policy personal injury protection benefits as required 3650
5404	5404
5405	5405	HB 429 2023
5406	5406
5407	5407
5408	5408
5409	5409	CODING: Words stricken are deletions; words underlined are additions.
5410	5410	hb0429-00
5411	5411	Page 147 of 147
5412	5412	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
5413	5413
5414	5414
5415	5415
5416	5416	by s. 627.736. Any person who violates this subsection commits a 3651
5417	5417	felony of the second degree, punishable as provided in s. 3652
5418	5418	775.082, s. 775.083, or s. 775.084. A person who is convicted of 3653
5419	5419	a violation of this subsection shall be sentenced to a minimum 3654
5420	5420	term of imprisonment of 2 years. 3655
5421	5421	(10) A licensed health care practitioner who is found 3656
5422	5422	guilty of insurance fraud under this section for an act relating 3657
5423	5423	to a motor vehicle personal injury protection insurance policy 3658
5424	5424	loses his or her license to practice for 5 years and may not 3659
5425	5425	receive reimbursement under medical payments coverage in a motor 3660
5426	5426	vehicle insurance policy for personal injury protection benefits 3661
5427	5427	for 10 years. 3662
5428	5428	Section 63. For the 2023-2024 fiscal year, the sum of 3663
5429	5429	$83,651 in nonrecurring funds is appropriated from the Insurance 3664
5430	5430	Regulatory Trust Fund to the Office of Insurance Regulation for 3665
5431	5431	the purpose of implementing this act. This section shall take 3666
5432	5432	effect July 1, 2023. 3667
5433	5433	Section 64. Except as otherwise expressly provided in this 3668
5434	5434	act and except for this section, which shall take effect upon 3669
5435	5435	this act becoming a law, this act shall take effect July 1, 3670
5436	5436	2024. 3671