Florida 2025 Regular Session

Florida House Bill H1181 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 1181 2025
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5	5
6	6
7	7	CODING: Words stricken are deletions; words underlined are additions.
8	8	hb1181-00
9	9	Page 1 of 125
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., which make up the 5
19	19	Florida Motor Vehicle No -Fault Law; repealing s. 6
20	20	627.7407, F.S., relating to application of the Florida 7
21	21	Motor Vehicle No-Fault Law; amending s. 316.2122, 8
22	22	F.S.; conforming a provision to changes made by the 9
23	23	act; amending s. 316.646, F.S.; revising a requirement 10
24	24	for 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; making technical changes; amending s. 25
39	39
40	40	HB 1181 2025
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42	42
43	43
44	44	CODING: Words stricken are deletions; words underlined are additions.
45	45	hb1181-00
46	46	Page 2 of 125
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	320.771, F.S.; revising garage liability insurance 26
52	52	requirements for recreational vehicle dealer license 27
53	53	applicants; amending ss. 322.251 and 322.34, F.S.; 28
54	54	conforming provisions to changes made by the act; 29
55	55	amending s. 324.011, F.S.; revising legislative 30
56	56	purpose and intent; amending s. 324.021, F.S.; 31
57	57	revising definitions; revising minimum coverage 32
58	58	requirements for proof of financial responsibility for 33
59	59	specified motor vehicles; conforming provisions to 34
60	60	changes made by the act; defining the term "for -hire 35
61	61	passenger transportation vehicle"; amending s. 36
62	62	324.022, F.S.; revisi ng minimum liability coverage 37
63	63	requirements for motor vehicle owners or operators; 38
64	64	revising authorized methods for meeting such 39
65	65	requirements; deleting a provision relating to an 40
66	66	insurer's duty to defend certain claims; revising the 41
67	67	definition of the term "m otor vehicle" to exclude some 42
68	68	vehicles; providing security requirements for certain 43
69	69	excluded vehicles; conforming provisions to changes 44
70	70	made by the act; amending s. 324.0221, F.S.; revising 45
71	71	coverages that subject a policy to certain insurer 46
72	72	reporting and notice requirements; conforming 47
73	73	provisions to changes made by the act; creating s. 48
74	74	324.0222, F.S.; providing that driver license or motor 49
75	75	vehicle registration suspensions for failure to 50
76	76
77	77	HB 1181 2025
78	78
79	79
80	80
81	81	CODING: Words stricken are deletions; words underlined are additions.
82	82	hb1181-00
83	83	Page 3 of 125
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	maintain required security which are in effect before 51
89	89	a specified date remain in full force and effect; 52
90	90	providing that such suspended licenses or 53
91	91	registrations may be reinstated as provided in a 54
92	92	specified section; amending s. 324.023, F.S.; 55
93	93	conforming cross-references; amending s. 324.031, 56
94	94	F.S.; specifying a method of proving financial 57
95	95	responsibility by owners or operators of motor 58
96	96	vehicles other than for -hire passenger transportation 59
97	97	vehicles; revising the amount of a certificate of 60
98	98	deposit required to elect a certain method of proof of 61
99	99	financial responsibility; revising liab ility coverage 62
100	100	requirements for a person electing to use such method; 63
101	101	amending s. 324.032, F.S.; revising financial 64
102	102	responsibility requirements for owners or lessees of 65
103	103	for-hire passenger transportation vehicles; amending 66
104	104	s. 324.051, F.S.; making technical changes; specifying 67
105	105	that motor vehicles include motorcycles for purposes 68
106	106	of the section; amending ss. 324.071 and 324.091, 69
107	107	F.S.; making technical changes; amending s. 324.151, 70
108	108	F.S.; revising requirements for motor vehicle 71
109	109	liability insurance policies rela ting to coverage, and 72
110	110	exclusion from coverage, for certain drivers and 73
111	111	vehicles; conforming provisions to changes made by the 74
112	112	act; making technical changes; defining terms; 75
113	113
114	114	HB 1181 2025
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116	116
117	117
118	118	CODING: Words stricken are deletions; words underlined are additions.
119	119	hb1181-00
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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	amending s. 324.161, F.S.; revising requirements for a 76
126	126	certificate of deposit that is required if a person 77
127	127	elects a certain method of proving financial 78
128	128	responsibility; amending s. 324.171, F.S.; revising 79
129	129	the minimum net worth requirements to qualify certain 80
130	130	persons as self-insurers; conforming provisions to 81
131	131	changes made by the act; amend ing s. 324.242, F.S.; 82
132	132	conforming provisions to changes made by the act; 83
133	133	amending s. 324.251, F.S.; revising a short title and 84
134	134	an effective date; amending s. 400.9905, F.S.; 85
135	135	revising the definition of the term "clinic"; 86
136	136	conforming provisions to changes made by the act; 87
137	137	amending ss. 400.991 and 400.9935, F.S.; conforming 88
138	138	provisions to changes made by the act; amending s. 89
139	139	409.901, F.S.; revising the definition of the term 90
140	140	"third-party benefit"; amending s. 409.910, F.S.; 91
141	141	revising the definition of the term "me dical 92
142	142	coverage"; amending s. 456.057, F.S.; conforming a 93
143	143	provision to changes made by the act; amending s. 94
144	144	456.072, F.S.; revising specified grounds for 95
145	145	discipline for certain health professions; defining 96
146	146	the term "upcode"; conforming a provision to change s 97
147	147	made by the act; amending s. 626.9541, F.S.; 98
148	148	conforming a provision to changes made by the act; 99
149	149	revising certain prohibited acts related to specified 100
150	150
151	151	HB 1181 2025
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153	153
154	154
155	155	CODING: Words stricken are deletions; words underlined are additions.
156	156	hb1181-00
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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	insurance coverage payment requirements; amending s. 101
163	163	626.989, F.S.; revising the definition of the term 102
164	164	"fraudulent insurance act"; amending s. 627.06501, 103
165	165	F.S.; revising coverages that may provide for a 104
166	166	reduction in motor vehicle insurance policy premium 105
167	167	charges under certain circumstances; amending s. 106
168	168	627.0651, F.S.; specifying requirements for rate 107
169	169	filings for motor vehicle liability policies that 108
170	170	implement requirements in effect on a specified date; 109
171	171	requiring that such filings be approved through a 110
172	172	certain process; amending s. 627.0652, F.S.; revising 111
173	173	coverages that must provide a premium charge reduction 112
174	174	under certain circumstances; amending s. 627.0653, 113
175	175	F.S.; revising coverages that are subject to premium 114
176	176	discounts for specified motor vehicle equipment; 115
177	177	amending s. 627.4132, F.S.; revising coverages that 116
178	178	are subject to a stacking prohibition; amending s. 117
179	179	627.4137, F.S.; requiring insurers to disclose certain 118
180	180	information at the request of a claimant's attorney; 119
181	181	authorizing a claimant to file an action under certain 120
182	182	circumstances; providing for the award of reasonable 121
183	183	attorney fees and costs under certain ci rcumstances; 122
184	184	amending s. 627.7263, F.S.; revising coverages that 123
185	185	are deemed primary, except under certain 124
186	186	circumstances, for the lessor of a motor vehicle for 125
187	187
188	188	HB 1181 2025
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190	190
191	191
192	192	CODING: Words stricken are deletions; words underlined are additions.
193	193	hb1181-00
194	194	Page 6 of 125
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	lease or rent; revising a notice that is required if 126
200	200	the lessee's coverage is to be primary; amen ding s. 127
201	201	627.727, F.S.; conforming provisions to changes made 128
202	202	by the act; revising the legal liability of an 129
203	203	uninsured motorist coverage insurer; amending s. 130
204	204	627.7275, F.S.; revising required coverages for a 131
205	205	motor vehicle insurance policy; conforming provis ions 132
206	206	to changes made by the act; creating s. 627.7278, 133
207	207	F.S.; defining the term "minimum security 134
208	208	requirements"; providing a prohibition, requirements, 135
209	209	and construction relating to motor vehicle insurance 136
210	210	policies as of a certain date; requiring insurers to 137
211	211	allow certain insureds to make certain coverage 138
212	212	changes, subject to certain conditions; requiring an 139
213	213	insurer to provide, by a specified date, a specified 140
214	214	notice to policyholders relating to requirements under 141
215	215	the act; amending s. 627.728, F.S.; conforming a 142
216	216	provision to changes made by the act; amending s. 143
217	217	627.7295, F.S.; revising the definitions of the terms 144
218	218	"policy" and "binder"; revising the coverages of a 145
219	219	motor vehicle insurance policy for which a licensed 146
220	220	general lines agent may charge a specified fee ; 147
221	221	conforming provisions to changes made by the act; 148
222	222	amending s. 627.7415, F.S.; revising additional 149
223	223	liability insurance requirements for commercial motor 150
224	224
225	225	HB 1181 2025
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227	227
228	228
229	229	CODING: Words stricken are deletions; words underlined are additions.
230	230	hb1181-00
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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	vehicles; amending s. 627.747, F.S.; conforming 151
237	237	provisions to changes made by the act; amending s. 152
238	238	627.748, F.S.; revising insurance requirements for 153
239	239	transportation network company drivers; conforming 154
240	240	provisions to changes made by the act; conforming 155
241	241	cross-references; amending ss. 627.7483 and 627.749, 156
242	242	F.S.; conforming provisions to changes made by the 157
243	243	act; amending s. 627.8405, F.S.; revising coverages in 158
244	244	a policy sold in combination with an accidental death 159
245	245	and dismemberment policy which a premium finance 160
246	246	company may not finance; revising rulemaking authority 161
247	247	of the Financial Services Commission; amending ss. 162
248	248	627.915, 628.909, 705.184, and 713.78, F.S.; 163
249	249	conforming provisions to changes made by the act; 164
250	250	amending s. 817.234, F.S.; revising coverages that are 165
251	251	the basis of specified prohibited false and fraudulent 166
252	252	insurance claims; conforming provisions to cha nges 167
253	253	made by the act; deleting provisions relating to 168
254	254	prohibited changes in certain mental or physical 169
255	255	reports; providing an appropriation; providing 170
256	256	effective dates. 171
257	257	172
258	258	Be It Enacted by the Legislature of the State of Florida: 173
259	259	174
260	260	Section 1. Sections 627.730, 627.731, 627.7311, 627.732, 175
261	261
262	262	HB 1181 2025
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264	264
265	265
266	266	CODING: Words stricken are deletions; words underlined are additions.
267	267	hb1181-00
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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
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272	272
273	273	627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403, 176
274	274	and 627.7405, Florida Statutes, are repealed. 177
275	275	Section 2. Section 627.7407, Florida Statutes, is 178
276	276	repealed. 179
277	277	Section 3. Paragraph (e) of subsection (2) of section 180
278	278	316.2122, Florida Statutes, is amended to read: 181
279	279	316.2122 Operation of a low -speed vehicle, mini truck, or 182
280	280	low-speed autonomous delivery vehicle on certain roadways. — 183
281	281	(2) The operation of a low -speed autonomous delivery 184
282	282	vehicle on any road is authorized with the following 185
283	283	restrictions: 186
284	284	(e) A low-speed autonomous delivery vehicle must be 187
285	285	covered by a policy of automobile insurance which provides the 188
286	286	coverage required by s. 627.749(2)(a)1. and, 2., and 3. The 189
287	287	coverage requirements of this paragraph may be satisfied by 190
288	288	automobile insurance maintained by the owner of a low -speed 191
289	289	autonomous delivery vehicle, the owner of the teleoperation 192
290	290	system, the remote human operator, or a combination thereof. 193
291	291	Section 4. Subsection (1) of section 316. 646, Florida 194
292	292	Statutes, is amended to read: 195
293	293	316.646 Security required; proof of security and display 196
294	294	thereof.— 197
295	295	(1) A Any person required by s. 324.022 , s. 324.023, s. 198
296	296	324.032, s. 627.7415, s. 627.742, s. 627.748, or s. 627.7483 to 199
297	297	maintain liability security for property damage, liability 200
298	298
299	299	HB 1181 2025
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301	301
302	302
303	303	CODING: Words stricken are deletions; words underlined are additions.
304	304	hb1181-00
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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	security, required by s. 324.023 to maintain liability security 201
311	311	for bodily injury, or death must, or required by s. 627.733 to 202
312	312	maintain personal injury protection security on a motor vehicle 203
313	313	shall have in his or her imm ediate possession at all times while 204
314	314	operating a such motor vehicle proper proof of maintenance of 205
315	315	the required security. 206
316	316	(a) Such proof must shall be in a uniform paper or 207
317	317	electronic format, as prescribed by the department, a valid 208
318	318	insurance policy, an insurance policy binder, a certificate of 209
319	319	insurance, or such other proof as may be prescribed by the 210
320	320	department. 211
321	321	(b)1. The act of presenting to a law enforcement officer 212
322	322	an electronic device displaying proof of insurance in an 213
323	323	electronic format does not constitute consent for the officer to 214
324	324	access any information on the device other than the displayed 215
325	325	proof of insurance. 216
326	326	2. The person who presents the device to the officer 217
327	327	assumes the liability for any resulting damage to the device. 218
328	328	Section 5. Paragraph (b) of subsection (2) of section 219
329	329	318.18, Florida Statutes, is amended to read: 220
330	330	318.18 Amount of penalties. —The penalties required for a 221
331	331	noncriminal disposition pursuant to s. 318.14 or a criminal 222
332	332	offense listed in s. 318.17 are as follows: 223
333	333	(2) Thirty dollars for all nonmoving traffic violations 224
334	334	and: 225
335	335
336	336	HB 1181 2025
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338	338
339	339
340	340	CODING: Words stricken are deletions; words underlined are additions.
341	341	hb1181-00
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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
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345	345
346	346
347	347	(b) For all violations of ss. 320.0605, 320.07(1), 226
348	348	322.065, and 322.15(1). A Any person who is cited for a 227
349	349	violation of s. 320.07(1) must shall be charged a delinquent fee 228
350	350	pursuant to s. 320.07(4 ). 229
351	351	1. If a person who is cited for a violation of s. 320.0605 230
352	352	or s. 320.07 can show proof of having a valid registration at 231
353	353	the time of arrest, the clerk of the court may dismiss the case 232
354	354	and may assess a dismissal fee of up to $10, from which the 233
355	355	clerk shall remit $2.50 to the Department of Revenue for deposit 234
356	356	into the General Revenue Fund. A person who finds it impossible 235
357	357	or impractical to obtain a valid registration certificate must 236
358	358	submit an affidavit detailing the reasons for the impossibility 237
359	359	or impracticality. The reasons may include, but are not limited 238
360	360	to, the fact that the vehicle was sold, stolen, or destroyed; 239
361	361	that the state in which the vehicle is registered does not issue 240
362	362	a certificate of registration; or that the vehicle is owned by 241
363	363	another person. 242
364	364	2. If a person who is cited for a violation of s. 322.03, 243
365	365	s. 322.065, or s. 322.15 can show a driver license issued to him 244
366	366	or her and valid at the time of arrest, the clerk of the court 245
367	367	may dismiss the case and may assess a dismissal fee of up to 246
368	368	$10, from which the clerk shall remit $2.50 to the Department of 247
369	369	Revenue for deposit into the General Revenue Fund. 248
370	370	3. If a person who is cited for a violation of s. 316.646 249
371	371	can show proof of security as required by s. 324.021(7) s. 250
372	372
373	373	HB 1181 2025
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377	377	CODING: Words stricken are deletions; words underlined are additions.
378	378	hb1181-00
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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
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382	382
383	383
384	384	627.733, issued to the person and valid at the time of arrest, 251
385	385	the clerk of the court may dismiss the case and may assess a 252
386	386	dismissal fee of up to $10, from which the clerk shall remit 253
387	387	$2.50 to the Department of Revenue for deposit into the General 254
388	388	Revenue Fund. A person who finds it impossible or impractical to 255
389	389	obtain proof of security must submit an affidavit detailing the 256
390	390	reasons for the impracticality. The reasons may include, but are 257
391	391	not limited to, the fact that the vehicle has since been sold, 258
392	392	stolen, or destroyed ; that the owner or registrant of the 259
393	393	vehicle is not required by s. 627.733 to maintain personal 260
394	394	injury protection insurance; or that the vehicle is owned by 261
395	395	another person. 262
396	396	Section 6. Paragraphs (a) and (d) of subsection (5) of 263
397	397	section 320.02, Florida Statutes, are amended to read: 264
398	398	320.02 Registration required; application for 265
399	399	registration; forms. — 266
400	400	(5)(a) Proof that bodily injury liability coverage and 267
401	401	property damage liability coverage personal injury protection 268
402	402	benefits have been purchased if requ ired under s. 324.022, s. 269
403	403	324.032, or s. 627.742 s. 627.733, that property damage 270
404	404	liability coverage has been purchased as required under s. 271
405	405	324.022, that bodily injury liability or death coverage has been 272
406	406	purchased if required under s. 324.023, and that c ombined bodily 273
407	407	liability insurance and property damage liability insurance have 274
408	408	been purchased if required under s. 627.7415 must shall be 275
409	409
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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
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421	421	provided in the manner prescribed by law by the applicant at the 276
422	422	time of application for registration of any motor ve hicle that 277
423	423	is subject to such requirements. The issuing agent may not shall 278
424	424	refuse to issue registration if such proof of purchase is not 279
425	425	provided. Insurers shall furnish uniform proof -of-purchase cards 280
426	426	in a paper or electronic format in a form prescribed by the 281
427	427	department and include the name of the insured's insurance 282
428	428	company, the coverage identification number, and the make, year, 283
429	429	and vehicle identification number of the vehicle insured. The 284
430	430	card must contain a statement notifying the applicant of the 285
431	431	penalty specified under s. 316.646(4). The card or insurance 286
432	432	policy, insurance policy binder, or certificate of insurance or 287
433	433	a photocopy of any of these; an affidavit containing the name of 288
434	434	the insured's insurance company, the insured's policy number, 289
435	435	and the make and year of the vehicle insured; or such other 290
436	436	proof as may be prescribed by the department constitutes shall 291
437	437	constitute sufficient proof of purchase. If an affidavit is 292
438	438	provided as proof, it must be in substantially the following 293
439	439	form: 294
440	440	295
441	441	Under penalty of perjury, I ...(Name of insured)... do hereby 296
442	442	certify that I have ...( bodily injury liability and Personal 297
443	443	Injury Protection, property damage liability , and, if required, 298
444	444	Bodily Injury Liability )... insurance currently in effect with 299
445	445	...(Name of insurance company)... under ...(policy number)... 300
446	446
447	447	HB 1181 2025
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451	451	CODING: Words stricken are deletions; words underlined are additions.
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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
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456	456
457	457
458	458	covering ...(make, year, and vehicle identification number of 301
459	459	vehicle).... ...(Signature of Insured)... 302
460	460	303
461	461	Such affidavit must include the following warning: 304
462	462	305
463	463	WARNING: GIVING FALSE INFORMATION IN ORDER TO OBTAIN A VEHICLE 306
464	464	REGISTRATION CERTIFICATE IS A CRIMINAL OFFENSE UNDER FLORIDA 307
465	465	LAW. ANYONE GIVING FALSE INFORMATION ON THIS AFFIDAVIT IS 308
466	466	SUBJECT TO PROSECUTION. 309
467	467	310
468	468	If an application is made through a licensed motor vehicle 311
469	469	dealer as required under s. 319.23, the orig inal or a photocopy 312
470	470	photostatic copy of such card, insurance policy, insurance 313
471	471	policy binder, or certificate of insurance or the original 314
472	472	affidavit from the insured must shall be forwarded by the dealer 315
473	473	to the tax collector of the county or the Department of Highway 316
474	474	Safety and Motor Vehicles for processing. By executing the 317
475	475	aforesaid affidavit, a no licensed motor vehicle dealer is not 318
476	476	will be liable in damages for any inadequacy, insufficiency, or 319
477	477	falsification of any statement contained therein. A card must 320
478	478	also indicate the existence of any bodily injury liability 321
479	479	insurance voluntarily purchased. 322
480	480	(d) The verifying of proof of personal injury protection 323
481	481	insurance, proof of property damage liability insurance, proof 324
482	482	of combined bodily liability insurance and property damage 325
483	483
484	484	HB 1181 2025
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488	488	CODING: Words stricken are deletions; words underlined are additions.
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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
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493	493
494	494
495	495	liability insurance, or proof of financial responsibility 326
496	496	insurance and the issuance or failure to issue the motor vehicle 327
497	497	registration under the provisions of this chapter may not be 328
498	498	construed in any court as a warranty of the reliabil ity or 329
499	499	accuracy of the evidence of such proof or as meaning that the 330
500	500	provisions of any insurance policy furnished as proof of 331
501	501	financial responsibility comply with state law . Neither the 332
502	502	department nor any tax collector is liable in damages for any 333
503	503	inadequacy, insufficiency, falsification, or unauthorized 334
504	504	modification of any item of the proof of personal injury 335
505	505	protection insurance, proof of property damage liability 336
506	506	insurance, proof of combined bodily liability insurance and 337
507	507	property damage liability insura nce, or proof of financial 338
508	508	responsibility before insurance prior to, during, or subsequent 339
509	509	to the verification of the proof. The issuance of a motor 340
510	510	vehicle registration does not constitute prima facie evidence or 341
511	511	a presumption of insurance coverage. 342
512	512	Section 7. Paragraph (b) of subsection (1) of section 343
513	513	320.0609, Florida Statutes, is amended to read: 344
514	514	320.0609 Transfer and exchange of registration license 345
515	515	plates; transfer fee. — 346
516	516	(1) 347
517	517	(b) The transfer of a license plate from a vehicle 348
518	518	disposed of to a newly acquired vehicle does not constitute a 349
519	519	new registration. The application for transfer must shall be 350
520	520
521	521	HB 1181 2025
522	522
523	523
524	524
525	525	CODING: Words stricken are deletions; words underlined are additions.
526	526	hb1181-00
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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	accepted without requiring proof of personal injury protection 351
533	533	or liability insurance. 352
534	534	Section 8. Subsection (3) of section 320.27, Florida 353
535	535	Statutes, is amended, and paragraph (g) is added to subsection 354
536	536	(1) of that section, to read: 355
537	537	320.27 Motor vehicle dealers. — 356
538	538	(1) DEFINITIONS.—The following words, terms, and phrases 357
539	539	when used in this section have the meanings respectively 358
540	540	ascribed to them in this subsection, except where the context 359
541	541	clearly indicates a different meaning: 360
542	542	(g) "Garage liability insurance" means, beginning July 1, 361
543	543	2026, combined single -limit liability coverage, including 362
544	544	property damage and bodily injury liability coverage, in the 363
545	545	amount of at least $60,000. 364
546	546	(3) APPLICATION AND FEE. —The application for the license 365
547	547	application must shall be in such form as may be prescribed by 366
548	548	the department and is shall be subject to such rules with 367
549	549	respect thereto as may be so prescribed by the department it. 368
550	550	Such application must shall be verified by oath or affirmation 369
551	551	and must shall contain a full statement of the name and birth 370
552	552	date of the person or persons applying for the license therefor; 371
553	553	the name of the firm or copartnership, with the names and places 372
554	554	of residence of all members thereof, if such applicant is a firm 373
555	555	or copartnership; the names and places of residence of the 374
556	556	principal officers, if the applicant is a body corporate or 375
557	557
558	558	HB 1181 2025
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560	560
561	561
562	562	CODING: Words stricken are deletions; words underlined are additions.
563	563	hb1181-00
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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	other artificial body; the name of the state under who se laws 376
570	570	the corporation is organized; the present and former place or 377
571	571	places of residence of the applicant; and the prior business in 378
572	572	which the applicant has been engaged and its the location 379
573	573	thereof. The Such application must shall describe the exact 380
574	574	location of the place of business and must shall state whether 381
575	575	the place of business is owned by the applicant and when 382
576	576	acquired, or, if leased, a true copy of the lease must shall be 383
577	577	attached to the application. The applicant shall certify that 384
578	578	the location provides an adequately equipped office and is not a 385
579	579	residence; that the location affords sufficient unoccupied space 386
580	580	upon and within which adequately to store all motor vehicles 387
581	581	offered and displayed for sale; and that the location is a 388
582	582	suitable place where the applicant can in good faith carry on 389
583	583	such business and keep and maintain books, records, and files 390
584	584	necessary to conduct such business, which must shall be 391
585	585	available at all reasonable hours to inspection by the 392
586	586	department or any of its inspectors or ot her employees. The 393
587	587	applicant shall certify that the business of a motor vehicle 394
588	588	dealer is the principal business that will which shall be 395
589	589	conducted at that location. The application must shall contain a 396
590	590	statement that the applicant is either franchised by a 397
591	591	manufacturer of motor vehicles, in which case the name of each 398
592	592	motor vehicle that the applicant is franchised to sell must 399
593	593	shall be included, or an independent (nonfranchised) motor 400
594	594
595	595	HB 1181 2025
596	596
597	597
598	598
599	599	CODING: Words stricken are deletions; words underlined are additions.
600	600	hb1181-00
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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	vehicle dealer. The application must shall contain other 401
607	607	relevant information as may be required by the department . The 402
608	608	applicant shall furnish , including evidence, in a form approved 403
609	609	by the department, that the applicant is insured under a garage 404
610	610	liability insurance policy or a general liability insurance 405
611	611	policy coupled with a business automobile policy having the 406
612	612	coverages and limits of garage liability insurance coverage in 407
613	613	accordance with paragraph (1)(g) , which shall include, at a 408
614	614	minimum, $25,000 combined single -limit liability coverage 409
615	615	including bodily injury and propert y damage protection and 410
616	616	$10,000 personal injury protection . However, a salvage motor 411
617	617	vehicle dealer as defined in subparagraph (1)(c)5. is exempt 412
618	618	from the requirements for garage liability insurance and 413
619	619	personal injury protection insurance on those vehicles that 414
620	620	cannot be legally operated on roads, highways, or streets in 415
621	621	this state. Franchise dealers must submit a garage liability 416
622	622	insurance policy, and all other dealers must submit a garage 417
623	623	liability insurance policy or a general liability insurance 418
624	624	policy coupled with a business automobile policy. Such policy 419
625	625	must shall be for the license period, and evidence of a new or 420
626	626	continued policy must shall be delivered to the department at 421
627	627	the beginning of each license period. A licensee shall deliver 422
628	628	to the department, in the manner prescribed by the department, 423
629	629	within 10 calendar days after any renewal or continuation of or 424
630	630	change in such policy or within 10 calendar days after any 425
631	631
632	632	HB 1181 2025
633	633
634	634
635	635
636	636	CODING: Words stricken are deletions; words underlined are additions.
637	637	hb1181-00
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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	issuance of a new policy, a copy of the renewed, continued, 426
644	644	changed, or new policy . Upon making an initial application, the 427
645	645	applicant shall pay to the department a fee of $300 in addition 428
646	646	to any other fees required by law. Applicants may choose to 429
647	647	extend the licensure period for 1 additional year for a total of 430
648	648	2 years. An initial appli cant shall pay to the department a fee 431
649	649	of $300 for the first year and $75 for the second year, in 432
650	650	addition to any other fees required by law. An applicant for 433
651	651	renewal shall pay to the department $75 for a 1 -year renewal or 434
652	652	$150 for a 2-year renewal, in add ition to any other fees 435
653	653	required by law. Upon making an application for a change of 436
654	654	location, the applicant person shall pay a fee of $50 in 437
655	655	addition to any other fees now required by law. The department 438
656	656	shall, in the case of every application for initial licensure, 439
657	657	verify whether certain facts set forth in the application are 440
658	658	true. Each applicant, general partner in the case of a 441
659	659	partnership, or corporate officer and director in the case of a 442
660	660	corporate applicant shall, must file a set of fingerprints with 443
661	661	the department for the purpose of determining any prior criminal 444
662	662	record or any outstanding warrants. The departmen t shall submit 445
663	663	the fingerprints to the Department of Law Enforcement for state 446
664	664	processing and forwarding to the Federal Bureau of Investigation 447
665	665	for federal processing. The actual cost of state and federal 448
666	666	processing must shall be borne by the applicant and is in 449
667	667	addition to the fee for licensure. The department may issue a 450
668	668
669	669	HB 1181 2025
670	670
671	671
672	672
673	673	CODING: Words stricken are deletions; words underlined are additions.
674	674	hb1181-00
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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	license to an applicant pending the results of the fingerprint 451
681	681	investigation, which license is fully revocable if the 452
682	682	department subsequently determines that any facts set forth in 453
683	683	the application are not true or correctly represented. 454
684	684	Section 9. Paragraph (j) of subsection (3) of section 455
685	685	320.771, Florida Statutes, is amended to read: 456
686	686	320.771 License required of recreational vehicle dealers. — 457
687	687	(3) APPLICATION.—The application for such license shall be 458
688	688	in the form prescribed by the department and subject to such 459
689	689	rules as may be prescribed by it. The application shall be 460
690	690	verified by oath or affirmation and shall contain: 461
691	691	(j) Evidence that the applicant is insured under a garage 462
692	692	liability insurance policy as defined in s. 320.27(1)(g) , which 463
693	693	shall include, at a minimum, $25,000 combined single -limit 464
694	694	liability coverage, including bodily injury and property damage 465
695	695	protection, and $10,000 personal injury protection, if the 466
696	696	applicant is to be licensed as a dealer in, or intends to sell, 467
697	697	recreational vehicles. Such policy must be for the license 468
698	698	period. Within 10 calendar days after any renewal or 469
699	699	continuation of or material change in such policy or issuance of 470
700	700	a new policy, the licensee s hall deliver to the department, in a 471
701	701	manner prescribed by the department, a copy of such renewed, 472
702	702	continued, changed, or new policy. However, a garage liability 473
703	703	policy is not required for the licensure of a mobile home dealer 474
704	704	who sells only park trailers. 475
705	705
706	706	HB 1181 2025
707	707
708	708
709	709
710	710	CODING: Words stricken are deletions; words underlined are additions.
711	711	hb1181-00
712	712	Page 20 of 125
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	476
718	718	The department shall, if it deems necessary, cause an 477
719	719	investigation to be made to ascertain if the facts set forth in 478
720	720	the application are true and shall not issue a license to the 479
721	721	applicant until it is satisfied that the facts set forth in the 480
722	722	application are true. 481
723	723	Section 10. Subsections (1) and (2) of section 322.251, 482
724	724	Florida Statutes, are amended to read: 483
725	725	322.251 Notice of cancellation, suspension, revocation, or 484
726	726	disqualification of license. — 485
727	727	(1) All orders of cancellation, suspension, revocatio n, or 486
728	728	disqualification issued under the provisions of this chapter, 487
729	729	chapter 318, or chapter 324 must, or ss. 627.732-627.734 shall 488
730	730	be given either by personal delivery thereof to the licensee 489
731	731	whose license is being canceled, suspended, revoked, or 490
732	732	disqualified or by deposit in the United States mail in an 491
733	733	envelope, first class, postage prepaid, addressed to the 492
734	734	licensee at his or her last known mailing address furnished to 493
735	735	the department. Such mailing by the department constitutes 494
736	736	notification, and any fail ure by the person to receive the 495
737	737	mailed order will not affect or stay the effective date or term 496
738	738	of the cancellation, suspension, revocation, or disqualification 497
739	739	of the licensee's driving privilege. 498
740	740	(2) The giving of notice and an order of cancellation, 499
741	741	suspension, revocation, or disqualification by mail is complete 500
742	742
743	743	HB 1181 2025
744	744
745	745
746	746
747	747	CODING: Words stricken are deletions; words underlined are additions.
748	748	hb1181-00
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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	upon expiration of 20 days after deposit in the United States 501
755	755	mail for all notices except those issued under chapter 324 or 502
756	756	ss. 627.732–627.734, which are complete 15 days after deposit in 503
757	757	the United States mail. Proof of the giving of notice and an 504
758	758	order of cancellation, suspension, revocation, or 505
759	759	disqualification in either manner must shall be made by entry in 506
760	760	the records of the department that such notice was given. The 507
761	761	entry is admissible i n the courts of this state and constitutes 508
762	762	sufficient proof that such notice was given. 509
763	763	Section 11. Paragraph (a) of subsection (8) of section 510
764	764	322.34, Florida Statutes, is amended to read: 511
765	765	322.34 Driving while license suspended, revoked, canceled, 512
766	766	or disqualified.— 513
767	767	(8)(a) Upon the arrest of a person for the offense of 514
768	768	driving while the person's driver license or driving privilege 515
769	769	is suspended or revoked, the arresting officer shall determine: 516
770	770	1. Whether the person's driver license is suspended or 517
771	771	revoked, or the person is under suspension or revocation 518
772	772	equivalent status. 519
773	773	2. Whether the person's driver license has remained 520
774	774	suspended or revoked, or the person has been under suspension or 521
775	775	revocation equivalent status, since a conviction for the offe nse 522
776	776	of driving with a suspended or revoked license. 523
777	777	3. Whether the suspension, revocation, or suspension or 524
778	778	revocation equivalent status was made under s. 316.646 or s. 525
779	779
780	780	HB 1181 2025
781	781
782	782
783	783
784	784	CODING: Words stricken are deletions; words underlined are additions.
785	785	hb1181-00
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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	627.733, relating to failure to maintain required security, or 526
792	792	under s. 322.264, rela ting to habitual traffic offenders. 527
793	793	4. Whether the driver is the registered owner or co -owner 528
794	794	of the vehicle. 529
795	795	Section 12. Section 324.011, Florida Statutes, is amended 530
796	796	to read: 531
797	797	324.011 Legislative intent; purpose of chapter.— 532
798	798	(1) It is the intent of the Legislature that this chapter: 533
799	799	(a) Ensure that the privilege of owning or operating a 534
800	800	motor vehicle in this state is exercised to recognize the 535
801	801	existing privilege to own or operate a motor vehicle on the 536
802	802	public streets and highways of this state when such vehicles are 537
803	803	used with due consideration for the safety of others and their 538
804	804	property., and to 539
805	805	(b) Promote safety. and 540
806	806	(c) Provide financial security requirements for such 541
807	807	owners and or operators whose responsibility it is to recompense 542
808	808	others for injury to person or property caused by the operation 543
809	809	of a motor vehicle. 544
810	810	(2) The purpose of this chapter is to require every owner 545
811	811	or operator of a motor vehicle that is required to be registered 546
812	812	in this state to establish, maintain, Therefore, it is required 547
813	813	herein that the operator of a motor vehicle involved in a crash 548
814	814	or convicted of certain traffic offenses meeting the operative 549
815	815	provisions of s. 324.051(2) shall respond for such damages and 550
816	816
817	817	HB 1181 2025
818	818
819	819
820	820
821	821	CODING: Words stricken are deletions; words underlined are additions.
822	822	hb1181-00
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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	show proof of financial ability to respond for damages arising 551
829	829	out of the ownership, maintenance, or use of a motor vehicle in 552
830	830	future accidents as a requisite to owning or operating a motor 553
831	831	vehicle in this state his or her future exercise of such 554
832	832	privileges. 555
833	833	Section 13. Subsections (1) and (7) and paragraph (c) of 556
834	834	subsection (9) of section 324.021, Florida Statutes, are 557
835	835	amended, and subsection (12) is added to that section, to read: 558
836	836	324.021 Definitions; minimum insurance required. —The 559
837	837	following words and phrases when used in this chapter shall, fo r 560
838	838	the purpose of this chapter, have the meanings respectively 561
839	839	ascribed to them in this section, except in those instances 562
840	840	where the context clearly indicates a different meaning: 563
841	841	(1) MOTOR VEHICLE.—Every self-propelled vehicle that is 564
842	842	designed and required to be licensed for use upon a highway, 565
843	843	including trailers and semitrailers designed for use with such 566
844	844	vehicles, except traction engines, road rollers, farm tractors, 567
845	845	power shovels, and well drillers, and every vehicle that is 568
846	846	propelled by electric power obtained from overhead wires but not 569
847	847	operated upon rails, but not including any personal delivery 570
848	848	device or mobile carrier as defined in s. 316.003, bicycle, 571
849	849	electric bicycle, or moped. However, the term "motor vehicle" 572
850	850	does not include a motor vehicle as defined in s. 627.732(3) 573
851	851	when the owner of such vehicle has complied with the 574
852	852	requirements of ss. 627.730 -627.7405, inclusive, unless the 575
853	853
854	854	HB 1181 2025
855	855
856	856
857	857
858	858	CODING: Words stricken are deletions; words underlined are additions.
859	859	hb1181-00
860	860	Page 24 of 125
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	provisions of s. 324.051 apply; and, in such case, the 576
866	866	applicable proof of insurance provisions of s. 320.02 apply. 577
867	867	(7) PROOF OF FINANCIAL RESPONSIBILITY. —Beginning July 1, 578
868	868	2026, That proof of ability to respond in damages for liability 579
869	869	on account of crashes arising out of the ownership, maintenance, 580
870	870	or use of a motor vehicle: 581
871	871	(a) With respect to a motor vehicle othe r than a 582
872	872	commercial motor vehicle, nonpublic sector bus, or for -hire 583
873	873	passenger transportation vehicle, in the amounts specified in s. 584
874	874	324.022(1). in the amount of $10,000 because of bodily injury 585
875	875	to, or death of, one person in any one crash; 586
876	876	(b) Subject to such limits for one person, in the amount 587
877	877	of $20,000 because of bodily injury to, or death of, two or more 588
878	878	persons in any one crash; 589
879	879	(c) In the amount of $10,000 because of injury to, or 590
880	880	destruction of, property of others in any one crash; and 591
881	881	(b)(d) With respect to commercial motor vehicles and 592
882	882	nonpublic sector buses , in the amounts specified in s. 627.7415 593
883	883	ss. 627.7415 and 627.742, respectively . 594
884	884	(c) With respect to nonpublic sector buses, in the amounts 595
885	885	specified in s. 627.742. 596
886	886	(d) With respect to for-hire passenger transportation 597
887	887	vehicles, in the amounts specified in s. 324.032. 598
888	888	(9) OWNER; OWNER/LESSOR; APPLICATION. — 599
889	889	(c) Application.— 600
890	890
891	891	HB 1181 2025
892	892
893	893
894	894
895	895	CODING: Words stricken are deletions; words underlined are additions.
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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	1. The limits on liability in subparagraphs (b)2. and 3. 601
903	903	do not apply to an owner of motor vehicles that are used for 602
904	904	commercial activity in the owner's ordinary course of business, 603
905	905	other than a rental company that rents or leases motor vehicles. 604
906	906	For purposes of this paragraph, the term "rental company" 605
907	907	includes only an entity that is engaged in the business of 606
908	908	renting or leasing motor vehicles to the general public and that 607
909	909	rents or leases a majority of its motor vehicles to persons with 608
910	910	no direct or indirect affiliation with the rental company. The 609
911	911	term "rental company" also includes: 610
912	912	a. A related rental o r leasing company that is a 611
913	913	subsidiary of the same parent company as that of the renting or 612
914	914	leasing company that rented or leased the vehicle. 613
915	915	b. The holder of a motor vehicle title or an equity 614
916	916	interest in a motor vehicle title if the title or equity 615
917	917	interest is held pursuant to or to facilitate an asset -backed 616
918	918	securitization of a fleet of motor vehicles used solely in the 617
919	919	business of renting or leasing motor vehicles to the general 618
920	920	public and under the dominion and control of a rental company, 619
921	921	as described in this subparagraph, in the operation of such 620
922	922	rental company's business. 621
923	923	2. Furthermore, with respect to commercial motor vehicles 622
924	924	as defined in s. 207.002 or s. 320.01(25) s. 627.732, the limits 623
925	925	on liability in subparagraphs (b)2. and 3. do not app ly if, at 624
926	926	the time of the incident, the commercial motor vehicle is being 625
927	927
928	928	HB 1181 2025
929	929
930	930
931	931
932	932	CODING: Words stricken are deletions; words underlined are additions.
933	933	hb1181-00
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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	used in the transportation of materials found to be hazardous 626
940	940	for the purposes of the Hazardous Materials Transportation 627
941	941	Authorization Act of 1994, as amended, 49 U.S.C. ss. 5101 et 628
942	942	seq., and that is required pursuant to such act to carry 629
943	943	placards warning others of the hazardous cargo, unless at the 630
944	944	time of lease or rental either: 631
945	945	a. The lessee indicates in writing that the vehicle will 632
946	946	not be used to transport materials found to be hazardous for the 633
947	947	purposes of the Hazardous Materials Transportation Authorization 634
948	948	Act of 1994, as amended, 49 U.S.C. ss. 5101 et seq.; or 635
949	949	b. The lessee or other operator of the commercial motor 636
950	950	vehicle has in effect insurance with limits of at least $5 637
951	951	million $5,000,000 combined property damage and bodily injury 638
952	952	liability. 639
953	953	3.a. A motor vehicle dealer, or a motor vehicle dealer's 640
954	954	leasing or rental affiliate, that provides a temporary 641
955	955	replacement vehicle at no charge or at a reasonable daily charge 642
956	956	to a service customer whose vehicle is being held for repair, 643
957	957	service, or adjustment by the motor vehicle dealer is immune 644
958	958	from any cause of action and is not liable, vicariously or 645
959	959	directly, under general law solely by reason of being the owner 646
960	960	of the temporary replacement vehicle for harm to persons or 647
961	961	property that arises out of the use, or operation, of the 648
962	962	temporary replacement vehicle by any person during the period 649
963	963	the temporary replacement vehicle has been entrusted to the 650
964	964
965	965	HB 1181 2025
966	966
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	motor vehicle dealer's servic e customer if there is no 651
977	977	negligence or criminal wrongdoing on the part of the motor 652
978	978	vehicle owner, or its leasing or rental affiliate. 653
979	979	b. For purposes of this section, and notwithstanding any 654
980	980	other provision of general law, a motor vehicle dealer, or a 655
981	981	motor vehicle dealer's leasing or rental affiliate, that gives 656
982	982	possession, control, or use of a temporary replacement vehicle 657
983	983	to a motor vehicle dealer's service customer may not be adjudged 658
984	984	liable in a civil proceeding absent negligence or criminal 659
985	985	wrongdoing on the part of the motor vehicle dealer, or the motor 660
986	986	vehicle dealer's leasing or rental affiliate, if the motor 661
987	987	vehicle dealer or the motor vehicle dealer's leasing or rental 662
988	988	affiliate executes a written rental or use agreement and obtains 663
989	989	from the person receiving the temporary replacement vehicle a 664
990	990	copy of the person's driver license and insurance information 665
991	991	reflecting at least the minimum motor vehicle insurance coverage 666
992	992	required in the state. Any subsequent determination that the 667
993	993	driver license or insurance information provided to the motor 668
994	994	vehicle dealer, or the motor vehicle dealer's leasing or rental 669
995	995	affiliate, was in any way false, fraudulent, misleading, 670
996	996	nonexistent, canceled, not in effect, or invalid does not alter 671
997	997	or diminish the protectio ns provided by this section, unless the 672
998	998	motor vehicle dealer, or the motor vehicle dealer's leasing or 673
999	999	rental affiliate, had actual knowledge thereof at the time 674
1000	1000	possession of the temporary replacement vehicle was provided. 675
1001	1001
1002	1002	HB 1181 2025
1003	1003
1004	1004
1005	1005
1006	1006	CODING: Words stricken are deletions; words underlined are additions.
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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	c. For purposes of this subpar agraph, the term: 676
1014	1014	(I) "Control" means the power to direct the management and 677
1015	1015	policies of a person, whether through ownership of voting 678
1016	1016	securities or otherwise. 679
1017	1017	(II) "Motor vehicle dealer's leasing or rental affiliate" 680
1018	1018	means a person who directly or ind irectly controls, is 681
1019	1019	controlled by, or is under common control with the motor vehicle 682
1020	1020	dealer. 683
1021	1021	d. For purposes of this subparagraph, the term "service 684
1022	1022	customer" does not include an agent or a principal of a motor 685
1023	1023	vehicle dealer or a motor vehicle dealer's leasing or rental 686
1024	1024	affiliate, and does not include an employee of a motor vehicle 687
1025	1025	dealer or a motor vehicle dealer's leasing or rental affiliate 688
1026	1026	unless the employee was provided a temporary replacement 689
1027	1027	vehicle: 690
1028	1028	(I) While the employee's personal vehicle w as being held 691
1029	1029	for repair, service, or adjustment by the motor vehicle dealer; 692
1030	1030	(II) In the same manner as other customers who are 693
1031	1031	provided a temporary replacement vehicle while the customer's 694
1032	1032	vehicle is being held for repair, service, or adjustment; and 695
1033	1033	(III) The employee was not acting within the course and 696
1034	1034	scope of his or her employment. 697
1035	1035	(12) FOR-HIRE PASSENGER TRANSPORTATION VEHICLE. —Every for-698
1036	1036	hire vehicle as defined in s. 320.01(15) which is offered or 699
1037	1037	used to provide transportation for persons, in cluding taxicabs, 700
1038	1038
1039	1039	HB 1181 2025
1040	1040
1041	1041
1042	1042
1043	1043	CODING: Words stricken are deletions; words underlined are additions.
1044	1044	hb1181-00
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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	limousines, and jitneys. 701
1051	1051	Section 14. Section 324.022, Florida Statutes, is amended 702
1052	1052	to read: 703
1053	1053	324.022 Financial responsibility requirements for property 704
1054	1054	damage.— 705
1055	1055	(1)(a) Beginning July 1, 2026, every owner or operator of 706
1056	1056	a motor vehicle required to be registered in this state shall 707
1057	1057	establish and continuously maintain the ability to respond in 708
1058	1058	damages for liability on account of accidents arising out of the 709
1059	1059	use of the motor vehicle in the amount of : 710
1060	1060	1. Twenty-five thousand dollars fo r bodily injury to, or 711
1061	1061	the death of, one person in any one crash and, subject to such 712
1062	1062	limits for one person, in the amount of $50,000 for bodily 713
1063	1063	injury to, or the death of, two or more persons in any one 714
1064	1064	crash; and 715
1065	1065	2. Ten thousand dollars for $10,000 because of damage to, 716
1066	1066	or destruction of, property of others in any one crash. 717
1067	1067	(b) The requirements of paragraph (a) this section may be 718
1068	1068	met by one of the methods established in s. 324.031; by self -719
1069	1069	insuring as authorized by s. 768.28(16); or by maintaining a 720
1070	1070	motor vehicle liability insurance policy that an insurance 721
1071	1071	policy providing coverage for property damage liability in the 722
1072	1072	amount of at least $10,000 because of damage to, or destruction 723
1073	1073	of, property of others in any one accident arising out of the 724
1074	1074	use of the motor vehicle. The requirements of this section may 725
1075	1075
1076	1076	HB 1181 2025
1077	1077
1078	1078
1079	1079
1080	1080	CODING: Words stricken are deletions; words underlined are additions.
1081	1081	hb1181-00
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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	also be met by having a policy which provides combined property 726
1088	1088	damage liability and bodily injury liability coverage for any 727
1089	1089	one crash arising out of the ownership, maintenance, or use of a 728
1090	1090	motor vehicle and that conforms to the requirements of s. 729
1091	1091	324.151 in the amount of at least $60,000 for every owner or 730
1092	1092	operator subject to the financial responsibility required in 731
1093	1093	paragraph (a) $30,000 for combined property damage liability and 732
1094	1094	bodily injury liability for any one crash arising out of the use 733
1095	1095	of the motor vehicle. The policy, with respect to coverage for 734
1096	1096	property damage liability, must meet the applicable requirements 735
1097	1097	of s. 324.151, subject to the usual policy exclusions that have 736
1098	1098	been approved in policy forms by the Office of Insurance 737
1099	1099	Regulation. No insurer shall have any duty to defend uncovered 738
1100	1100	claims irrespective of their joinder with covered claims . 739
1101	1101	(2) As used in this section, the term: 740
1102	1102	(a) "Motor vehicle" means any self -propelled vehicle that 741
1103	1103	has four or more wheels and that is of a type designed and 742
1104	1104	required to be licensed for use on the highways of this state, 743
1105	1105	and any trailer or semitrailer designed for use with such 744
1106	1106	vehicle. The term does not include the following: 745
1107	1107	1. A mobile home as defined in s. 320.01(2)(a) . 746
1108	1108	2. A motor vehicle that is used in mass transit and 747
1109	1109	designed to transport more than five passengers, exclusive of 748
1110	1110	the operator of the motor vehicle, and that is owned by a 749
1111	1111	municipality, transit authority, or political subdivision of the 750
1112	1112
1113	1113	HB 1181 2025
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	state. 751
1125	1125	3. A school bus as defined in s. 1006.25 , which must 752
1126	1126	maintain security as required under s. 316.615 . 753
1127	1127	4. A commercial motor vehicle as defined in s. 207.002 or 754
1128	1128	s. 320.01(25), which must maintain security as required under 755
1129	1129	ss. 324.031 and 627.7415. 756
1130	1130	5. A nonpublic sector bus, which must maintain security as 757
1131	1131	required under ss. 324.031 and 627.742. 758
1132	1132	6.4. A vehicle providing for-hire passenger transportation 759
1133	1133	vehicle, which must that is subject to the provisions of s. 760
1134	1134	324.031. A taxicab shall maintain security as required under s. 761
1135	1135	324.032 s. 324.032(1). 762
1136	1136	7.5. A personal delivery device as defined in s. 316.003 , 763
1137	1137	which must maintain security as required under s. 316.2071(4) . 764
1138	1138	(b) "Owner" means the person who holds legal title to a 765
1139	1139	motor vehicle or the debtor or lessee who has the right to 766
1140	1140	possession of a motor vehicle that is the subject of a security 767
1141	1141	agreement or lease with an option to purchase. 768
1142	1142	(3) Each nonresident owner or registra nt of a motor 769
1143	1143	vehicle that, whether operated or not, has been physically 770
1144	1144	present within this state for more than 90 days during the 771
1145	1145	preceding 365 days shall maintain security as required by 772
1146	1146	subsection (1). The security must be that is in effect 773
1147	1147	continuously throughout the period the motor vehicle remains 774
1148	1148	within this state. 775
1149	1149
1150	1150	HB 1181 2025
1151	1151
1152	1152
1153	1153
1154	1154	CODING: Words stricken are deletions; words underlined are additions.
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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	(4) An The owner or registrant of a motor vehicle who is 776
1162	1162	exempt from the requirements of this section if she or he is a 777
1163	1163	member of the United States Armed Forces and is called to or on 778
1164	1164	active duty outside the United States in an emergency situation 779
1165	1165	is exempt from this section while he or she . The exemption 780
1166	1166	provided by this subsection applies only as long as the member 781
1167	1167	of the Armed Forces is on such active duty . This exemption 782
1168	1168	outside the United States and applies only while the vehicle 783
1169	1169	covered by the security is not operated by any person. Upon 784
1170	1170	receipt of a written request by the insured to whom the 785
1171	1171	exemption provided in this subsection applies, the insurer shall 786
1172	1172	cancel the coverages and r eturn any unearned premium or suspend 787
1173	1173	the security required by this section. Notwithstanding s. 788
1174	1174	324.0221(2) s. 324.0221(3), the department may not suspend the 789
1175	1175	registration or operator's license of an any owner or registrant 790
1176	1176	of a motor vehicle during the ti me she or he qualifies for the 791
1177	1177	an exemption under this subsection. An Any owner or registrant 792
1178	1178	of a motor vehicle who qualifies for the an exemption under this 793
1179	1179	subsection shall immediately notify the department before prior 794
1180	1180	to and at the end of the expirati on of the exemption. 795
1181	1181	Section 15. Subsections (1) and (2) of section 324.0221, 796
1182	1182	Florida Statutes, are amended to read: 797
1183	1183	324.0221 Reports by insurers to the department; suspension 798
1184	1184	of driver license and vehicle registrations; reinstatement. — 799
1185	1185	(1)(a) Each insurer that has issued a policy providing 800
1186	1186
1187	1187	HB 1181 2025
1188	1188
1189	1189
1190	1190
1191	1191	CODING: Words stricken are deletions; words underlined are additions.
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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	personal injury protection coverage or property damage liability 801
1199	1199	coverage shall report the cancellation or nonrenewal thereof to 802
1200	1200	the department within 10 days after the processing date or 803
1201	1201	effective date of each cancellation or nonrenewal. Upon the 804
1202	1202	issuance of a policy providing personal injury protection 805
1203	1203	coverage or property damage liability coverage to a named 806
1204	1204	insured not previously insured by the insurer during that 807
1205	1205	calendar year, the insurer shall report the issuance of the new 808
1206	1206	policy to the department within 10 days. The report must shall 809
1207	1207	be in the form and format and contain any information required 810
1208	1208	by the department and must be provided in a format that is 811
1209	1209	compatible with the data processing capabilities of the 812
1210	1210	department. Failure by an insurer to file proper reports with 813
1211	1211	the department as required by thi s subsection constitutes a 814
1212	1212	violation of the Florida Insurance Code. These records may shall 815
1213	1213	be used by the department only for enforcement and regulatory 816
1214	1214	purposes, including the generation by the department of data 817
1215	1215	regarding compliance by owners of motor v ehicles with the 818
1216	1216	requirements for financial responsibility coverage. 819
1217	1217	(b) With respect to an insurance policy providing personal 820
1218	1218	injury protection coverage or property damage liability 821
1219	1219	coverage, each insurer shall notify the named insured, or the 822
1220	1220	first-named insured in the case of a commercial fleet policy, in 823
1221	1221	writing that any cancellation or nonrenewal of the policy will 824
1222	1222	be reported by the insurer to the department. The notice must 825
1223	1223
1224	1224	HB 1181 2025
1225	1225
1226	1226
1227	1227
1228	1228	CODING: Words stricken are deletions; words underlined are additions.
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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	also inform the named insured that failure to maintain bodily 826
1236	1236	injury liability personal injury protection coverage and 827
1237	1237	property damage liability coverage on a motor vehicle when 828
1238	1238	required by law may result in the loss of registration and 829
1239	1239	driving privileges in this state and inform the named insured of 830
1240	1240	the amount of the reinstatem ent fees required by this section. 831
1241	1241	This notice is for informational purposes only, and an insurer 832
1242	1242	is not civilly liable for failing to provide this notice. 833
1243	1243	(2) The department shall suspend, after due notice and an 834
1244	1244	opportunity to be heard, the registratio n and driver license of 835
1245	1245	any owner or registrant of a motor vehicle for with respect to 836
1246	1246	which security is required under s. 324.022, s. 324.023, s. 837
1247	1247	324.032, s. 627.7415, or s. 627.742 ss. 324.022 and 627.733 838
1248	1248	upon: 839
1249	1249	(a) The department's records showing that the owner or 840
1250	1250	registrant of such motor vehicle does did not have the in full 841
1251	1251	force and effect when required security in full force and effect 842
1252	1252	that complies with the requirements of ss. 324.022 and 627.733 ; 843
1253	1253	or 844
1254	1254	(b) Notification by the insurer to the depart ment, in a 845
1255	1255	form approved by the department, of cancellation or termination 846
1256	1256	of the required security. 847
1257	1257	Section 16. Section 324.0222, Florida Statutes, is created 848
1258	1258	to read: 849
1259	1259	324.0222 Application of driver license and registration 850
1260	1260
1261	1261	HB 1181 2025
1262	1262
1263	1263
1264	1264
1265	1265	CODING: Words stricken are deletions; words underlined are additions.
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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	suspensions for failure t o maintain security; reinstatement. —All 851
1273	1273	suspensions of driver licenses or motor vehicle registrations 852
1274	1274	for failure to maintain security as required by law in effect 853
1275	1275	before July 1, 2026, remain in full force and effect after July 854
1276	1276	1, 2026. A driver may reinst ate a suspended driver license or 855
1277	1277	registration as provided under s. 324.0221. 856
1278	1278	Section 17. Section 324.023, Florida Statutes, is amended 857
1279	1279	to read: 858
1280	1280	324.023 Financial responsibility for bodily injury or 859
1281	1281	death.—In addition to any other financial responsib ility 860
1282	1282	required by law, every owner or operator of a motor vehicle that 861
1283	1283	is required to be registered in this state, or that is located 862
1284	1284	within this state, and who, regardless of adjudication of guilt, 863
1285	1285	has been found guilty of or entered a plea of guilty or n olo 864
1286	1286	contendere to a charge of driving under the influence under s. 865
1287	1287	316.193 after October 1, 2007, shall, by one of the methods 866
1288	1288	established in s. 324.031(1)(a) or (b) s. 324.031(1) or (2) , 867
1289	1289	establish and maintain the ability to respond in damages for 868
1290	1290	liability on account of accidents arising out of the use of a 869
1291	1291	motor vehicle in the amount of $100,000 because of bodily injury 870
1292	1292	to, or death of, one person in any one crash and, subject to 871
1293	1293	such limits for one person, in the amount of $300,000 because of 872
1294	1294	bodily injury to, or death of, two or more persons in any one 873
1295	1295	crash and in the amount of $50,000 because of property damage in 874
1296	1296	any one crash. If the owner or operator chooses to establish and 875
1297	1297
1298	1298	HB 1181 2025
1299	1299
1300	1300
1301	1301
1302	1302	CODING: Words stricken are deletions; words underlined are additions.
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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	maintain such ability by furnishing a certificate of deposit 876
1310	1310	pursuant to s. 324.031(1)(b) s. 324.031(2), such certificate of 877
1311	1311	deposit must be at least $350,000. Such higher limits must be 878
1312	1312	carried for a minimum period of 3 years. If the owner or 879
1313	1313	operator has not been convicted of driving under the influence 880
1314	1314	or a felony traffic off ense for a period of 3 years from the 881
1315	1315	date of reinstatement of driving privileges for a violation of 882
1316	1316	s. 316.193, the owner or operator is shall be exempt from this 883
1317	1317	section. 884
1318	1318	Section 18. Section 324.031, Florida Statutes, is amended 885
1319	1319	to read: 886
1320	1320	324.031 Manner of proving financial responsibility. — 887
1321	1321	(1) The owner or operator of a taxicab, limousine, jitney, 888
1322	1322	or any other for-hire passenger transportation vehicle may prove 889
1323	1323	financial responsibility by providing satisfactory evidence of 890
1324	1324	holding a motor vehicle liability policy as defined in s. 891
1325	1325	324.021(8) or s. 324.151, which policy is issued by an insurance 892
1326	1326	carrier which is a member of the Florida Insurance Guaranty 893
1327	1327	Association. The operator or owner of a motor vehicle other than 894
1328	1328	a for-hire passenger transportat ion any other vehicle may prove 895
1329	1329	his or her financial responsibility by: 896
1330	1330	(a)(1) Furnishing satisfactory evidence of holding a motor 897
1331	1331	vehicle liability policy as defined in ss. 324.021(8) and 898
1332	1332	324.151 which provides liability coverage for the motor vehicle 899
1333	1333	being operated; 900
1334	1334
1335	1335	HB 1181 2025
1336	1336
1337	1337
1338	1338
1339	1339	CODING: Words stricken are deletions; words underlined are additions.
1340	1340	hb1181-00
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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	(b)(2) Furnishing a certificate of self -insurance showing 901
1347	1347	a deposit of cash in accordance with s. 324.161; or 902
1348	1348	(c)(3) Furnishing a certificate of self -insurance issued 903
1349	1349	by the department in accordance with s. 324.171. 904
1350	1350	(2) Beginning July 1, 2026, any person, including any 905
1351	1351	firm, partnership, association, corporation, or other person, 906
1352	1352	other than a natural person, electing to use the method of proof 907
1353	1353	specified in paragraph (1)(b) subsection (2) shall do both of 908
1354	1354	the following: 909
1355	1355	(a) Furnish a certificate of deposit equal to the number 910
1356	1356	of vehicles owned times $60,000 $30,000, up to a maximum of 911
1357	1357	$240,000. $120,000; 912
1358	1358	(b) In addition, any such person, other than a natural 913
1359	1359	person, shall Maintain insurance providing coverage that meets 914
1360	1360	the requirements of s. 324.151 and has in excess of limits of: 915
1361	1361	1. At least $125,000 for bodily injury to, or the death 916
1362	1362	of, one person in any one crash and, subject to such limits for 917
1363	1363	one person, in the amount of $250,000 for bodily injury to, or 918
1364	1364	the death of, two or more persons in any one crash; and $50,000 919
1365	1365	for damage to, or destruction of, property of others in any one 920
1366	1366	crash; or 921
1367	1367	2. At least $300,000 for combined bodily injury liability 922
1368	1368	and property damage liability for any one crash 923
1369	1369	$10,000/20,000/10,000 or $30,000 combined single limits, and 924
1370	1370	such excess insurance shall provide minimum limits of 925
1371	1371
1372	1372	HB 1181 2025
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	$125,000/250,000/50,000 or $300,000 combined single limits. 926
1384	1384	These increased limits shall not affect the requirements for 927
1385	1385	proving financial responsibility under s. 324.032(1). 928
1386	1386	Section 19. Section 324.032, Florida Statutes, is amended 929
1387	1387	to read: 930
1388	1388	324.032 Manner of proving Financial responsibility for; 931
1389	1389	for-hire passenger transportation vehicles. —Notwithstanding the 932
1390	1390	provisions of s. 324.031: 933
1391	1391	(1) An owner or a lessee of a for-hire passenger 934
1392	1392	transportation vehicle that is required to be registered in this 935
1393	1393	state shall establish and continuously maintain the ability to 936
1394	1394	respond in damages for liability on account of accidents arising 937
1395	1395	out of the ownership, maintenance, or use of the for-hire 938
1396	1396	passenger transportation vehicle, in the amount of: 939
1397	1397	(a) One hundred twenty-five thousand dollars for bodily 940
1398	1398	injury to, or the death of, one person in any one crash and, 941
1399	1399	subject to such limits for one person, in the amount of $250, 000 942
1400	1400	for bodily injury to, or the death of, two or more persons in 943
1401	1401	any one crash; and A person who is either the owner or a lessee 944
1402	1402	required to maintain insurance under s. 627.733(1)(b) and who 945
1403	1403	operates one or more taxicabs, limousines, jitneys, or any other 946
1404	1404	for-hire passenger transportation vehicles may prove financial 947
1405	1405	responsibility by furnishing satisfactory evidence of holding a 948
1406	1406	motor vehicle liability policy, but with minimum limits of 949
1407	1407	$125,000/250,000/50,000. 950
1408	1408
1409	1409	HB 1181 2025
1410	1410
1411	1411
1412	1412
1413	1413	CODING: Words stricken are deletions; words underlined are additions.
1414	1414	hb1181-00
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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	(b) Fifty thousand dollars for damage to, or destruction 951
1421	1421	of, property of others in any one crash A person who is either 952
1422	1422	the owner or a lessee required to maintain insurance under s. 953
1423	1423	324.021(9)(b) and who operates limousines, jitneys, or any other 954
1424	1424	for-hire passenger vehicles, other than taxicabs, m ay prove 955
1425	1425	financial responsibility by furnishing satisfactory evidence of 956
1426	1426	holding a motor vehicle liability policy as defined in s. 957
1427	1427	324.031. 958
1428	1428	(2) Except as provided in subsection (3), the requirements 959
1429	1429	of this section must be met by the owner or lessee prov iding 960
1430	1430	satisfactory evidence of holding a motor vehicle liability 961
1431	1431	policy conforming to the requirements of s. 324.151 which is 962
1432	1432	issued by an insurance carrier that is a member of the Florida 963
1433	1433	Insurance Guaranty Association. 964
1434	1434	(3) An owner or a lessee who is required to maintain 965
1435	1435	insurance under s. 324.021(9)(b) and who operates at least 300 966
1436	1436	taxicabs, limousines, jitneys, or any other for-hire passenger 967
1437	1437	transportation vehicles may provide financial responsibility by 968
1438	1438	complying with the provisions of s. 324.171, which must such 969
1439	1439	compliance to be demonstrated by maintaining at its principal 970
1440	1440	place of business an audited financial statement, prepared in 971
1441	1441	accordance with generally accepted accounting principles, and 972
1442	1442	providing to the department a certification issued by a 973
1443	1443	certified public accountant that the applicant's net worth is at 974
1444	1444	least equal to the requirements of s. 324.171 as determined by 975
1445	1445
1446	1446	HB 1181 2025
1447	1447
1448	1448
1449	1449
1450	1450	CODING: Words stricken are deletions; words underlined are additions.
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1452	1452	Page 40 of 125
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	the Office of Insurance Regulation of the Financial Services 976
1458	1458	Commission, including claims liabilities in an amount certified 977
1459	1459	as adequate by a Fellow of the Casualty Actuarial Society. 978
1460	1460	979
1461	1461	Upon request by the department, the applicant shall must provide 980
1462	1462	the department at the applicant's principal place of business in 981
1463	1463	this state access to the applicant's underlying financial 982
1464	1464	information and financial statements that provide the basis of 983
1465	1465	the certified public accountant's certification. The applicant 984
1466	1466	shall reimburse the requesting department for all reasonable 985
1467	1467	costs incurred by it in reviewing the supporting information. 986
1468	1468	The maximum amount of self-insurance permissible under this 987
1469	1469	subsection is $300,000 and must be stated on a per -occurrence 988
1470	1470	basis, and the applicant shall maintain adequate excess 989
1471	1471	insurance issued by an authorized or eligible insurer licensed 990
1472	1472	or approved by the Office of Ins urance Regulation. All risks 991
1473	1473	self-insured shall remain with the owner or lessee providing it, 992
1474	1474	and the risks are not transferable to any other person, unless a 993
1475	1475	policy complying with subsections (1) and (2) subsection (1) is 994
1476	1476	obtained. 995
1477	1477	Section 20. Subsect ion (2) of section 324.051, Florida 996
1478	1478	Statutes, is amended, and subsection (4) is added to that 997
1479	1479	section, to read: 998
1480	1480	324.051 Reports of crashes; suspensions of licenses and 999
1481	1481	registrations.— 1000
1482	1482
1483	1483	HB 1181 2025
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1485	1485
1486	1486
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1489	1489	Page 41 of 125
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	(2)(a) Thirty days after receipt of notice of any accident 1001
1495	1495	described in paragraph (1)(a) involving a motor vehicle within 1002
1496	1496	this state, the department shall suspend, after due notice and 1003
1497	1497	opportunity to be heard, the license of each operator and all 1004
1498	1498	registrations of the owner of the vehicles operated by such 1005
1499	1499	operator whether or not involved in such crash and, in the case 1006
1500	1500	of a nonresident owner or operator, shall suspend such 1007
1501	1501	nonresident's operating privilege in this state, unless such 1008
1502	1502	operator or owner shall, prior to the expiration of such 30 1009
1503	1503	days, be found by the department to be exempt from the operation 1010
1504	1504	of this chapter, based upon evidence satisfactory to the 1011
1505	1505	department that: 1012
1506	1506	1. The motor vehicle was legally parked at the time of 1013
1507	1507	such crash. 1014
1508	1508	2. The motor vehicle was owned by the United States 1015
1509	1509	Government, this state, or any political subdivision of this 1016
1510	1510	state or any municipality therein. 1017
1511	1511	3. Such operator or owner has secured a duly acknowledged 1018
1512	1512	written agreement providing for release from liability by all 1019
1513	1513	parties injured as the result of said crash and has complied 1020
1514	1514	with one of the provisions of s. 324.031. 1021
1515	1515	4. Such operator or owner has deposited with the 1022
1516	1516	department security to conform with s. 324.061 when applicable 1023
1517	1517	and has complied with one of the provisions of s. 324.031. 1024
1518	1518	5. One year has elapsed since such owner or operator was 1025
1519	1519
1520	1520	HB 1181 2025
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1522	1522
1523	1523
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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	suspended pursuant to subsection (3), the owner or operator has 1026
1532	1532	complied with one of the provisions of s. 324.031, and no bill 1027
1533	1533	of complaint of which the department has notice has been filed 1028
1534	1534	in a court of competent jurisdiction. 1029
1535	1535	(b) This subsection does shall not apply: 1030
1536	1536	1. To such operator or owner if such operator or owner had 1031
1537	1537	in effect at the time of such crash or traffic conviction a 1032
1538	1538	motor vehicle an automobile liability policy with respect to all 1033
1539	1539	of the registered motor vehicles owned by such operator or 1034
1540	1540	owner. 1035
1541	1541	2. To such operator, if not the owner of such motor 1036
1542	1542	vehicle, if there was in effect at the time of such crash or 1037
1543	1543	traffic conviction a motor vehicle an automobile liability 1038
1544	1544	policy or bond with respect to his or her operation of motor 1039
1545	1545	vehicles not owned by him or her. 1040
1546	1546	3. To such operator or owner if the liability of such 1041
1547	1547	operator or owner for damages resulting from such crash is, in 1042
1548	1548	the judgment of the department, covered by any other form of 1043
1549	1549	liability insurance or bond. 1044
1550	1550	4. To any person who has obtained from the department a 1045
1551	1551	certificate of self-insurance, in accordance with s. 324.171, or 1046
1552	1552	to any person operating a motor vehicle for such self -insurer. 1047
1553	1553	1048
1554	1554	A No such policy or bond is not shall be effective under this 1049
1555	1555	subsection unless it contains limits of not less than those 1050
1556	1556
1557	1557	HB 1181 2025
1558	1558
1559	1559
1560	1560
1561	1561	CODING: Words stricken are deletions; words underlined are additions.
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1563	1563	Page 43 of 125
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	specified in s. 324.021(7). 1051
1569	1569	(4) As used in this section, the term "motor vehicle" 1052
1570	1570	includes a motorcycle as defined in s. 320.01(26) . 1053
1571	1571	Section 21. Section 324.071, Florida Statutes, is amended 1054
1572	1572	to read: 1055
1573	1573	324.071 Reinstatement; renewal of license; reinstatement 1056
1574	1574	fee.—An Any operator or owner whose license or registration has 1057
1575	1575	been suspended pursuant to s. 324.051(2), s. 324.072, s. 1058
1576	1576	324.081, or s. 324.121 may effect its reinstatement upon 1059
1577	1577	compliance with the provisions of s. 324.051(2)(a)3. or 4., or 1060
1578	1578	s. 324.081(2) and (3), as the case may be, and with one of the 1061
1579	1579	provisions of s. 324.031 and upon payment to the department of a 1062
1580	1580	nonrefundable reinstatement fee of $15. Only one such fee may 1063
1581	1581	shall be paid by any one person regardless irrespective of the 1064
1582	1582	number of licenses and regist rations to be then reinstated or 1065
1583	1583	issued to such person. All Such fees must shall be deposited in 1066
1584	1584	to a department trust fund. If When the reinstatement of any 1067
1585	1585	license or registration is effected by compliance with s. 1068
1586	1586	324.051(2)(a)3. or 4., the department may shall not renew the 1069
1587	1587	license or registration within a period of 3 years after from 1070
1588	1588	such reinstatement, and no nor shall any other license or 1071
1589	1589	registration may be issued in the name of such person, unless 1072
1590	1590	the operator continues is continuing to comply with one of the 1073
1591	1591	provisions of s. 324.031. 1074
1592	1592	Section 22. Subsection (1) of section 324.091, Florida 1075
1593	1593
1594	1594	HB 1181 2025
1595	1595
1596	1596
1597	1597
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1600	1600	Page 44 of 125
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	Statutes, is amended to read: 1076
1606	1606	324.091 Notice to department; notice to insurer. — 1077
1607	1607	(1) Each owner and operator involved in a crash or 1078
1608	1608	conviction case within th e purview of this chapter shall furnish 1079
1609	1609	evidence of automobile liability insurance or motor vehicle 1080
1610	1610	liability insurance within 14 days after the date of the mailing 1081
1611	1611	of notice of crash by the department in the form and manner as 1082
1612	1612	it may designate. Upon recei pt of evidence that a an automobile 1083
1613	1613	liability policy or motor vehicle liability policy was in effect 1084
1614	1614	at the time of the crash or conviction case, the department 1085
1615	1615	shall forward to the insurer such information for verification 1086
1616	1616	in a method as determined by the department. The insurer shall 1087
1617	1617	respond to the department within 20 days after the notice as to 1088
1618	1618	whether or not such information is valid. If the department 1089
1619	1619	determines that a an automobile liability policy or motor 1090
1620	1620	vehicle liability policy was not in effect and did not provide 1091
1621	1621	coverage for both the owner and the operator, it must shall take 1092
1622	1622	action as it is authorized to do under this chapter. 1093
1623	1623	Section 23. Section 324.151, Florida Statutes, is amended 1094
1624	1624	to read: 1095
1625	1625	324.151 Motor vehicle liability policies; required 1096
1626	1626	provisions.— 1097
1627	1627	(1) A motor vehicle liability policy that serves as to be 1098
1628	1628	proof of financial responsibility under s. 324.031(1)(a) must s. 1099
1629	1629	324.031(1) shall be issued to owners or operators of motor 1100
1630	1630
1631	1631	HB 1181 2025
1632	1632
1633	1633
1634	1634
1635	1635	CODING: Words stricken are deletions; words underlined are additions.
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1637	1637	Page 45 of 125
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	vehicles under the following provisions: 1101
1643	1643	(a) A motor vehicle An owner's liability insurance policy 1102
1644	1644	issued to an owner of a motor vehicle required to be registered 1103
1645	1645	in this state must designate by explicit description or by 1104
1646	1646	appropriate reference all motor veh icles for with respect to 1105
1647	1647	which coverage is thereby granted . The policy, must insure the 1106
1648	1648	person or persons owner named therein, and, unless except for a 1107
1649	1649	named driver excluded under s. 627.747, must insure any resident 1108
1650	1650	relative of a named insured other person as operator using such 1109
1651	1651	motor vehicle or motor vehicles with the express or implied 1110
1652	1652	permission of such owner against loss from the liability imposed 1111
1653	1653	by law for damage arising out of the ownership, maintenance, or 1112
1654	1654	use of any such motor vehicle or motor vehicles within the 1113
1655	1655	United States or the Dominion of Canada, subject to limits, 1114
1656	1656	exclusive of interest and costs with respect to each such motor 1115
1657	1657	vehicle as is provided for under s. 324.021(7) . The policy must 1116
1658	1658	also insure any person operating an insured motor vehicle with 1117
1659	1659	the express or implied permission of a named insured against 1118
1660	1660	loss from the liability imposed by law for damage arising out of 1119
1661	1661	the use of any motor vehicle, unless that person was excluded 1120
1662	1662	under s. 627.747. However, the insurer may include prov isions in 1121
1663	1663	its policy excluding liability coverage for a motor vehicle not 1122
1664	1664	designated as an insured vehicle on the policy if such motor 1123
1665	1665	vehicle does not qualify as a newly acquired vehicle or as a 1124
1666	1666	temporary substitute vehicle and was owned by the insured or was 1125
1667	1667
1668	1668	HB 1181 2025
1669	1669
1670	1670
1671	1671
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1674	1674	Page 46 of 125
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	furnished for an insured's regular use for more than 30 1126
1680	1680	consecutive days before the event giving rise to the claim. 1127
1681	1681	Insurers may make available, with respect to property damage 1128
1682	1682	liability coverage, a deductible amount not to exceed $500. In 1129
1683	1683	the event of a property damage loss covered by a policy 1130
1684	1684	containing a property damage deductible provision, the insurer 1131
1685	1685	shall pay to the third -party claimant the amount of any property 1132
1686	1686	damage liability settlement or judgment, subject to policy 1133
1687	1687	limits, as if no deducti ble existed. 1134
1688	1688	(b) A motor vehicle liability insurance policy issued to a 1135
1689	1689	person who does not own a An operator's motor vehicle must 1136
1690	1690	liability policy of insurance shall insure the person or persons 1137
1691	1691	named therein against loss from the liability imposed upon him 1138
1692	1692	or her by law for damages arising out of the use by the person 1139
1693	1693	of any motor vehicle not owned by him or her , with the same 1140
1694	1694	territorial limits and subject to the same limits of liability 1141
1695	1695	as referred to above with respect to an owner's policy of 1142
1696	1696	liability insurance. 1143
1697	1697	(c) All such motor vehicle liability policies must provide 1144
1698	1698	liability coverage with limits, exclusive of interest and costs, 1145
1699	1699	greater than or equal to the limits specified under s. 1146
1700	1700	324.021(7) for accidents occurring within the United States a nd 1147
1701	1701	Canada. The policies must shall state the name and address of 1148
1702	1702	the named insured, the coverage afforded by the policy, the 1149
1703	1703	premium charged therefor, the policy period, and the limits of 1150
1704	1704
1705	1705	HB 1181 2025
1706	1706
1707	1707
1708	1708
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1711	1711	Page 47 of 125
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	liability, and must shall contain an agreement or be endorsed 1151
1717	1717	that insurance is provided in accordance with the coverage 1152
1718	1718	defined in this chapter as respects bodily injury and death or 1153
1719	1719	property damage or both and is subject to all provisions of this 1154
1720	1720	chapter. The Said policies must shall also contain a provision 1155
1721	1721	that the satisfaction by an insured of a judgment for such 1156
1722	1722	injury or damage may shall not be a condition precedent to the 1157
1723	1723	right or duty of the insurance carrier to make payment on 1158
1724	1724	account of such injury or damage, and must shall also contain a 1159
1725	1725	provision that bankruptcy or insolvency of the insured or of the 1160
1726	1726	insured's estate does shall not relieve the insurance carrier of 1161
1727	1727	any of its obligations under the said policy. 1162
1728	1728	(2) The provisions of This section is shall not be 1163
1729	1729	applicable to any motor vehicle automobile liability policy 1164
1730	1730	unless and until it is furnished as proof of financial 1165
1731	1731	responsibility for the future pursuant to s. 324.031, and then 1166
1732	1732	applies only from and after the date the said policy is so 1167
1733	1733	furnished. 1168
1734	1734	(3) As used in this section, the term: 1169
1735	1735	(a) "Newly acquired vehicle" means a vehicle owned by a 1170
1736	1736	named insured or resident relative of the named insured which 1171
1737	1737	was acquired no more than 30 days before an accident. 1172
1738	1738	(b) "Resident relative" means a person related to a nam ed 1173
1739	1739	insured by any degree by blood, marriage, or adoption, including 1174
1740	1740	a ward or foster child, who makes his or her home in the same 1175
1741	1741
1742	1742	HB 1181 2025
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1744	1744
1745	1745
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1748	1748	Page 48 of 125
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	family unit or residence as the named insured, regardless of 1176
1754	1754	whether he or she temporarily lives elsewhere. 1177
1755	1755	(c) "Temporary substitute vehicle" means any motor vehicle 1178
1756	1756	that is not owned by the named insured and that is temporarily 1179
1757	1757	used with the permission of the owner as a substitute for the 1180
1758	1758	owned motor vehicle designated on the policy when the owned 1181
1759	1759	vehicle is withdrawn from no rmal use because of breakdown, 1182
1760	1760	repair, servicing, loss, or destruction. 1183
1761	1761	Section 24. Section 324.161, Florida Statutes, is amended 1184
1762	1762	to read: 1185
1763	1763	324.161 Proof of financial responsibility; deposit. —If a 1186
1764	1764	person elects to prove his or her financial responsibi lity under 1187
1765	1765	the method of proof specified in s. 324.031(1)(b), he or she 1188
1766	1766	annually must obtain and submit to the department proof of a 1189
1767	1767	certificate of deposit in the amount required under s. 1190
1768	1768	324.031(2) from a financial institution insured by the Federal 1191
1769	1769	Deposit Insurance Corporation or the National Credit Union 1192
1770	1770	Administration Annually, before any certificate of insurance may 1193
1771	1771	be issued to a person, including any firm, partnership, 1194
1772	1772	association, corporation, or other person, other than a natural 1195
1773	1773	person, proof of a certificate of deposit of $30,000 issued and 1196
1774	1774	held by a financial institution must be submitted to the 1197
1775	1775	department. A power of attorney will be issued to and held by 1198
1776	1776	the department, and may be executed upon a judgment issued 1199
1777	1777	against such person making the deposit, for damages for because 1200
1778	1778
1779	1779	HB 1181 2025
1780	1780
1781	1781
1782	1782
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1785	1785	Page 49 of 125
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	of bodily injury to or death of any person or for damages for 1201
1791	1791	because of injury to or destruction of property resulting from 1202
1792	1792	the use or operation of any motor vehicle occurring after such 1203
1793	1793	deposit was made. Money so deposite d is shall not be subject to 1204
1794	1794	attachment or execution unless such attachment or execution 1205
1795	1795	arises shall arise out of a lawsuit suit for such damages as 1206
1796	1796	aforesaid. 1207
1797	1797	Section 25. Subsections (1) and (2) of section 324.171, 1208
1798	1798	Florida Statutes, are amended to read: 1209
1799	1799	324.171 Self-insurer.— 1210
1800	1800	(1) A Any person may qualify as a self -insurer by 1211
1801	1801	obtaining a certificate of self -insurance from the department . 1212
1802	1802	which may, in its discretion and Upon application of such a 1213
1803	1803	person, the department may issue a said certificate of self-1214
1804	1804	insurance to an applicant who satisfies when such person has 1215
1805	1805	satisfied the requirements of this section . Effective July 1, 1216
1806	1806	2026 to qualify as a self -insurer under this section : 1217
1807	1807	(a) A private individual with private passenger vehicles 1218
1808	1808	shall possess a net unencumbered worth of at least $100,000 1219
1809	1809	$40,000. 1220
1810	1810	(b) A person, including any firm, partnership, 1221
1811	1811	association, corporation, or other person, other than a natural 1222
1812	1812	person, shall: 1223
1813	1813	1. Possess a net unencumbered worth of at least $100,000 1224
1814	1814	$40,000 for the first motor vehicle and $50,000 $20,000 for each 1225
1815	1815
1816	1816	HB 1181 2025
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1818	1818
1819	1819
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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	additional motor vehicle; or 1226
1828	1828	2. Maintain sufficient net worth, in an amount determined 1227
1829	1829	by the department, to be financially responsible for potential 1228
1830	1830	losses. The department annually shall determine t he minimum net 1229
1831	1831	worth sufficient to satisfy this subparagraph as determined 1230
1832	1832	annually by the department, pursuant to rules adopted 1231
1833	1833	promulgated by the department, with the assistance of the Office 1232
1834	1834	of Insurance Regulation of the Financial Services Commission , to 1233
1835	1835	be financially responsible for potential losses . The rules must 1234
1836	1836	consider any shall take into consideration excess insurance 1235
1837	1837	carried by the applicant. The department's determination must 1236
1838	1838	shall be based upon reasonable actuarial principles considering 1237
1839	1839	the frequency, severity, and loss development of claims incurred 1238
1840	1840	by casualty insurers writing coverage on the type of motor 1239
1841	1841	vehicles for which a certificate of self -insurance is desired. 1240
1842	1842	(c) The owner of a commercial motor vehicle, as defined in 1241
1843	1843	s. 207.002 or s. 320.01(25) s. 320.01, may qualify as a self -1242
1844	1844	insurer subject to the standards provided for in subparagraph 1243
1845	1845	(b)2. 1244
1846	1846	(2) The self-insurance certificate must shall provide 1245
1847	1847	limits of liability insurance in the amounts specified under s. 1246
1848	1848	324.021(7) or s. 627.7415 and shall provide personal injury 1247
1849	1849	protection coverage under s. 627.733(3)(b) . 1248
1850	1850	Section 26. Subsections (1) and (3) of section 324.242, 1249
1851	1851	Florida Statutes, are amended to read: 1250
1852	1852
1853	1853	HB 1181 2025
1854	1854
1855	1855
1856	1856
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1859	1859	Page 51 of 125
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	324.242 Personal injury protection and property damage 1251
1865	1865	Liability insurance policies; public records exemption. — 1252
1866	1866	(1) The following information regarding motor vehicle 1253
1867	1867	personal injury protection and property damage liability 1254
1868	1868	insurance policies held by the department is confidential and 1255
1869	1869	exempt from s. 119.07(1) and s. 24(a), Art. I of the State 1256
1870	1870	Constitution: 1257
1871	1871	(a) Personal identifying information of an insured or 1258
1872	1872	former insured; and 1259
1873	1873	(b) An insurance policy number. 1260
1874	1874	(3) The department shall provide motor vehicle personal 1261
1875	1875	injury protection and property damage liability insurance policy 1262
1876	1876	numbers to department -approved third parties that provide data 1263
1877	1877	collection services to an insurer of any person involved in such 1264
1878	1878	accident. 1265
1879	1879	Section 27. Section 324.251, Florida Statutes, is amended 1266
1880	1880	to read: 1267
1881	1881	324.251 Short title.—This chapter may be cited as the 1268
1882	1882	"Financial Responsibility Law of 2025 1955" and is shall become 1269
1883	1883	effective at 12:01 a.m., July 1, 2026 October 1, 1955. 1270
1884	1884	Section 28. Subsection (4) of section 400.9905, Florida 1271
1885	1885	Statutes, is amended to read: 1272
1886	1886	400.9905 Definitions.— 1273
1887	1887	(4)(a) "Clinic" means an entity where health care services 1274
1888	1888	are provided to individuals and which tenders charges for 1275
1889	1889
1890	1890	HB 1181 2025
1891	1891
1892	1892
1893	1893
1894	1894	CODING: Words stricken are deletions; words underlined are additions.
1895	1895	hb1181-00
1896	1896	Page 52 of 125
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	reimbursement for such services, including a mobile clinic and a 1276
1902	1902	portable equipment provider. As used in this part, the te rm does 1277
1903	1903	not include and the licensure requirements of this part do not 1278
1904	1904	apply to: 1279
1905	1905	1.(a) Entities licensed or registered by the state under 1280
1906	1906	chapter 395; entities licensed or registered by the state and 1281
1907	1907	providing only health care services within the scope o f services 1282
1908	1908	authorized under their respective licenses under ss. 383.30 -1283
1909	1909	383.332, chapter 390, chapter 394, chapter 397, this chapter 1284
1910	1910	except part X, chapter 429, chapter 463, chapter 465, chapter 1285
1911	1911	466, chapter 478, chapter 484, or chapter 651; end -stage renal 1286
1912	1912	disease providers authorized under 42 C.F.R. part 494; providers 1287
1913	1913	certified and providing only health care services within the 1288
1914	1914	scope of services authorized under their respective 1289
1915	1915	certifications under 42 C.F.R. part 485, subpart B, subpart H, 1290
1916	1916	or subpart J; providers certified and providing only health care 1291
1917	1917	services within the scope of services authorized under their 1292
1918	1918	respective certifications under 42 C.F.R. part 486, subpart C; 1293
1919	1919	providers certified and providing only health care services 1294
1920	1920	within the scope of s ervices authorized under their respective 1295
1921	1921	certifications under 42 C.F.R. part 491, subpart A; providers 1296
1922	1922	certified by the Centers for Medicare and Medicaid Services 1297
1923	1923	under the federal Clinical Laboratory Improvement Amendments and 1298
1924	1924	the federal rules adopted t hereunder; or any entity that 1299
1925	1925	provides neonatal or pediatric hospital -based health care 1300
1926	1926
1927	1927	HB 1181 2025
1928	1928
1929	1929
1930	1930
1931	1931	CODING: Words stricken are deletions; words underlined are additions.
1932	1932	hb1181-00
1933	1933	Page 53 of 125
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	services or other health care services by licensed practitioners 1301
1939	1939	solely within a hospital licensed under chapter 395. 1302
1940	1940	2.(b) Entities that own, directly or indirectly, entities 1303
1941	1941	licensed or registered by the state pursuant to chapter 395; 1304
1942	1942	entities that own, directly or indirectly, entities licensed or 1305
1943	1943	registered by the state and providing only health care services 1306
1944	1944	within the scope of services authorized pursuant to their 1307
1945	1945	respective licenses under ss. 383.30 -383.332, chapter 390, 1308
1946	1946	chapter 394, chapter 397, this chapter except part X, chapter 1309
1947	1947	429, chapter 463, chapter 465, chapter 466, chapter 478, chapter 1310
1948	1948	484, or chapter 651; end -stage renal disease providers 1311
1949	1949	authorized under 42 C.F.R. part 494; providers certified and 1312
1950	1950	providing only health care services within the scope of services 1313
1951	1951	authorized under their respective certifications under 42 C.F.R. 1314
1952	1952	part 485, subpart B, subpart H, or subpart J; providers 1315
1953	1953	certified and providing only health care services within the 1316
1954	1954	scope of services authorized under their respective 1317
1955	1955	certifications under 42 C.F.R. part 486, subpart C; providers 1318
1956	1956	certified and providing only health care services within the 1319
1957	1957	scope of services authorized under their re spective 1320
1958	1958	certifications under 42 C.F.R. part 491, subpart A; providers 1321
1959	1959	certified by the Centers for Medicare and Medicaid Services 1322
1960	1960	under the federal Clinical Laboratory Improvement Amendments and 1323
1961	1961	the federal rules adopted thereunder; or any entity that 1324
1962	1962	provides neonatal or pediatric hospital -based health care 1325
1963	1963
1964	1964	HB 1181 2025
1965	1965
1966	1966
1967	1967
1968	1968	CODING: Words stricken are deletions; words underlined are additions.
1969	1969	hb1181-00
1970	1970	Page 54 of 125
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	services by licensed practitioners solely within a hospital 1326
1976	1976	licensed under chapter 395. 1327
1977	1977	3.(c) Entities that are owned, directly or indirectly, by 1328
1978	1978	an entity licensed or registered by the state pursuan t to 1329
1979	1979	chapter 395; entities that are owned, directly or indirectly, by 1330
1980	1980	an entity licensed or registered by the state and providing only 1331
1981	1981	health care services within the scope of services authorized 1332
1982	1982	pursuant to their respective licenses under ss. 383.30 -383.332, 1333
1983	1983	chapter 390, chapter 394, chapter 397, this chapter except part 1334
1984	1984	X, chapter 429, chapter 463, chapter 465, chapter 466, chapter 1335
1985	1985	478, chapter 484, or chapter 651; end -stage renal disease 1336
1986	1986	providers authorized under 42 C.F.R. part 494; providers 1337
1987	1987	certified and providing only health care services within the 1338
1988	1988	scope of services authorized under their respective 1339
1989	1989	certifications under 42 C.F.R. part 485, subpart B, subpart H, 1340
1990	1990	or subpart J; providers certified and providing only health care 1341
1991	1991	services within the scope of services authorized under their 1342
1992	1992	respective certifications under 42 C.F.R. part 486, subpart C; 1343
1993	1993	providers certified and providing only health care services 1344
1994	1994	within the scope of services authorized under their respective 1345
1995	1995	certifications under 42 C.F.R. par t 491, subpart A; providers 1346
1996	1996	certified by the Centers for Medicare and Medicaid Services 1347
1997	1997	under the federal Clinical Laboratory Improvement Amendments and 1348
1998	1998	the federal rules adopted thereunder; or any entity that 1349
1999	1999	provides neonatal or pediatric hospital -based health care 1350
2000	2000
2001	2001	HB 1181 2025
2002	2002
2003	2003
2004	2004
2005	2005	CODING: Words stricken are deletions; words underlined are additions.
2006	2006	hb1181-00
2007	2007	Page 55 of 125
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	services by licensed practitioners solely within a hospital 1351
2013	2013	under chapter 395. 1352
2014	2014	4.(d) Entities that are under common ownership, directly 1353
2015	2015	or indirectly, with an entity licensed or registered by the 1354
2016	2016	state pursuant to chapter 395; entities that a re under common 1355
2017	2017	ownership, directly or indirectly, with an entity licensed or 1356
2018	2018	registered by the state and providing only health care services 1357
2019	2019	within the scope of services authorized pursuant to their 1358
2020	2020	respective licenses under ss. 383.30 -383.332, chapter 390, 1359
2021	2021	chapter 394, chapter 397, this chapter except part X, chapter 1360
2022	2022	429, chapter 463, chapter 465, chapter 466, chapter 478, chapter 1361
2023	2023	484, or chapter 651; end -stage renal disease providers 1362
2024	2024	authorized under 42 C.F.R. part 494; providers certified and 1363
2025	2025	providing only health care services within the scope of services 1364
2026	2026	authorized under their respective certifications under 42 C.F.R. 1365
2027	2027	part 485, subpart B, subpart H, or subpart J; providers 1366
2028	2028	certified and providing only health care services within the 1367
2029	2029	scope of services authorized under their respective 1368
2030	2030	certifications under 42 C.F.R. part 486, subpart C; providers 1369
2031	2031	certified and providing only health care services within the 1370
2032	2032	scope of services authorized under their respective 1371
2033	2033	certifications under 42 C.F.R. part 491, subpart A; providers 1372
2034	2034	certified by the Centers for Medicare and Medicaid Services 1373
2035	2035	under the federal Clinical Laboratory Improvement Amendments and 1374
2036	2036	the federal rules adopted thereunder; or any entity that 1375
2037	2037
2038	2038	HB 1181 2025
2039	2039
2040	2040
2041	2041
2042	2042	CODING: Words stricken are deletions; words underlined are additions.
2043	2043	hb1181-00
2044	2044	Page 56 of 125
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	provides neonatal or pediatric hospital -based health care 1376
2050	2050	services by licensed practitioners solely within a hospital 1377
2051	2051	licensed under chapter 395. 1378
2052	2052	5.(e) An entity that is exempt from federal taxation under 1379
2053	2053	26 U.S.C. s. 501(c)(3) or (4), an employee stock ownership plan 1380
2054	2054	under 26 U.S.C. s. 409 that has a board of tr ustees at least 1381
2055	2055	two-thirds of which are Florida -licensed health care 1382
2056	2056	practitioners and provides only physical therapy services under 1383
2057	2057	physician orders, any community college or university clinic, 1384
2058	2058	and any entity owned or operated by the federal or state 1385
2059	2059	government, including agencies, subdivisions, or municipalities 1386
2060	2060	thereof. 1387
2061	2061	6.(f) A sole proprietorship, group practice, partnership, 1388
2062	2062	or corporation that provides health care services by physicians 1389
2063	2063	covered by s. 627.419, that is directly supervised by one or 1390
2064	2064	more of such physicians, and that is wholly owned by one or more 1391
2065	2065	of those physicians or by a physician and the spouse, parent, 1392
2066	2066	child, or sibling of that physician. 1393
2067	2067	7.(g) A sole proprietorship, group practice, partnership, 1394
2068	2068	or corporation that provides healt h care services by licensed 1395
2069	2069	health care practitioners under chapter 457, chapter 458, 1396
2070	2070	chapter 459, chapter 460, chapter 461, chapter 462, chapter 463, 1397
2071	2071	chapter 466, chapter 467, chapter 480, chapter 484, chapter 486, 1398
2072	2072	chapter 490, chapter 491, or part I, par t III, part X, part 1399
2073	2073	XIII, or part XIV of chapter 468, or s. 464.012, and that is 1400
2074	2074
2075	2075	HB 1181 2025
2076	2076
2077	2077
2078	2078
2079	2079	CODING: Words stricken are deletions; words underlined are additions.
2080	2080	hb1181-00
2081	2081	Page 57 of 125
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	wholly owned by one or more licensed health care practitioners, 1401
2087	2087	or the licensed health care practitioners set forth in this 1402
2088	2088	subparagraph paragraph and the spouse, parent, chil d, or sibling 1403
2089	2089	of a licensed health care practitioner if one of the owners who 1404
2090	2090	is a licensed health care practitioner is supervising the 1405
2091	2091	business activities and is legally responsible for the entity's 1406
2092	2092	compliance with all federal and state laws. However, a h ealth 1407
2093	2093	care practitioner may not supervise services beyond the scope of 1408
2094	2094	the practitioner's license, except that, for the purposes of 1409
2095	2095	this part, a clinic owned by a licensee in s. 456.053(3)(b) 1410
2096	2096	which provides only services authorized pursuant to s. 1411
2097	2097	456.053(3)(b) may be supervised by a licensee specified in s. 1412
2098	2098	456.053(3)(b). 1413
2099	2099	8.(h) Clinical facilities affiliated with an accredited 1414
2100	2100	medical school at which training is provided for medical 1415
2101	2101	students, residents, or fellows. 1416
2102	2102	9.(i) Entities that provide only oncol ogy or radiation 1417
2103	2103	therapy services by physicians licensed under chapter 458 or 1418
2104	2104	chapter 459 or entities that provide oncology or radiation 1419
2105	2105	therapy services by physicians licensed under chapter 458 or 1420
2106	2106	chapter 459 which are owned by a corporation whose shares are 1421
2107	2107	publicly traded on a recognized stock exchange. 1422
2108	2108	10.(j) Clinical facilities affiliated with a college of 1423
2109	2109	chiropractic accredited by the Council on Chiropractic Education 1424
2110	2110	at which training is provided for chiropractic students. 1425
2111	2111
2112	2112	HB 1181 2025
2113	2113
2114	2114
2115	2115
2116	2116	CODING: Words stricken are deletions; words underlined are additions.
2117	2117	hb1181-00
2118	2118	Page 58 of 125
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	11.(k) Entities that provide licensed practitioners to 1426
2124	2124	staff emergency departments or to deliver anesthesia services in 1427
2125	2125	facilities licensed under chapter 395 and that derive at least 1428
2126	2126	90 percent of their gross annual revenues from the provision of 1429
2127	2127	such services. Entities claimin g an exemption from licensure 1430
2128	2128	under this subparagraph paragraph must provide documentation 1431
2129	2129	demonstrating compliance. 1432
2130	2130	12.(l) Orthotic, prosthetic, pediatric cardiology, or 1433
2131	2131	perinatology clinical facilities or anesthesia clinical 1434
2132	2132	facilities that are not oth erwise exempt under subparagraph 1. 1435
2133	2133	or subparagraph 11. paragraph (a) or paragraph (k) and that are 1436
2134	2134	a publicly traded corporation or are wholly owned, directly or 1437
2135	2135	indirectly, by a publicly traded corporation. As used in this 1438
2136	2136	subparagraph paragraph, a publicly traded corporation is a 1439
2137	2137	corporation that issues securities traded on an exchange 1440
2138	2138	registered with the United States Securities and Exchange 1441
2139	2139	Commission as a national securities exchange. 1442
2140	2140	13.(m) Entities that are owned by a corporation that has 1443
2141	2141	$250 million or more in total annual sales of health care 1444
2142	2142	services provided by licensed health care practitioners where 1445
2143	2143	one or more of the persons responsible for the operations of the 1446
2144	2144	entity is a health care practitioner who is licensed in this 1447
2145	2145	state and who is responsible for supervising the business 1448
2146	2146	activities of the entity and is responsible for the entity's 1449
2147	2147	compliance with state law for purposes of this part. 1450
2148	2148
2149	2149	HB 1181 2025
2150	2150
2151	2151
2152	2152
2153	2153	CODING: Words stricken are deletions; words underlined are additions.
2154	2154	hb1181-00
2155	2155	Page 59 of 125
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	14.(n) Entities that employ 50 or more licensed health 1451
2161	2161	care practitioners licensed under chapter 458 or chapter 459 1452
2162	2162	where the billing for medical services is under a single tax 1453
2163	2163	identification number. The application for exemption under this 1454
2164	2164	subsection must include shall contain information that includes: 1455
2165	2165	the name, residence, and business address and telephone phone 1456
2166	2166	number of the entity that owns the practice; a complete list of 1457
2167	2167	the names and contact information of all the officers and 1458
2168	2168	directors of the corporation; the name, residence address, 1459
2169	2169	business address, and medical license number of each licens ed 1460
2170	2170	Florida health care practitioner employed by the entity; the 1461
2171	2171	corporate tax identification number of the entity seeking an 1462
2172	2172	exemption; a listing of health care services to be provided by 1463
2173	2173	the entity at the health care clinics owned or operated by the 1464
2174	2174	entity; and a certified statement prepared by an independent 1465
2175	2175	certified public accountant which states that the entity and the 1466
2176	2176	health care clinics owned or operated by the entity have not 1467
2177	2177	received payment for health care services under medical payments 1468
2178	2178	personal injury protection insurance coverage for the preceding 1469
2179	2179	year. If the agency determines that an entity that which is 1470
2180	2180	exempt under this subsection has received payments for medical 1471
2181	2181	services under medical payments personal injury protection 1472
2182	2182	insurance coverage, the agency may deny or revoke the exemption 1473
2183	2183	from licensure under this subsection. 1474
2184	2184	15.(o) Entities that are, directly or indirectly, under 1475
2185	2185
2186	2186	HB 1181 2025
2187	2187
2188	2188
2189	2189
2190	2190	CODING: Words stricken are deletions; words underlined are additions.
2191	2191	hb1181-00
2192	2192	Page 60 of 125
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	the common ownership of or that are subject to common control by 1476
2198	2198	a mutual insurance holding company, as defined in s. 628.703, 1477
2199	2199	with an entity issued a certificate of authority under chapter 1478
2200	2200	624 or chapter 641 which has $1 billion or more in total annual 1479
2201	2201	sales in this state. 1480
2202	2202	16.(p) Entities that are owned by an entity that is a 1481
2203	2203	behavioral health care service provider in at least five other 1482
2204	2204	states; that, together with its affiliates, have $90 million or 1483
2205	2205	more in total annual revenues associated with the provision of 1484
2206	2206	behavioral health care services; and wherein one or more of the 1485
2207	2207	persons responsible for the operations of the entity is a health 1486
2208	2208	care practitioner who is licensed in this state, who is 1487
2209	2209	responsible for supervising the business activities of the 1488
2210	2210	entity, and who is responsible for the entity's compliance with 1489
2211	2211	state law for purposes of this part. 1490
2212	2212	17.(q) Medicaid providers. 1491
2213	2213	(b) Notwithstanding paragraph (a) this subsection, an 1492
2214	2214	entity shall be deemed a clinic and must be licensed under this 1493
2215	2215	part in order to receive medical payments coverage reimbursement 1494
2216	2216	unless the entity is: 1495
2217	2217	1. Wholly owned by a physician lice nsed under chapter 458 1496
2218	2218	or chapter 459 or by the physician and the spouse, parent, 1497
2219	2219	child, or sibling of the physician; 1498
2220	2220	2. Wholly owned by a dentist licensed under chapter 466 or 1499
2221	2221	by the dentist and the spouse, parent, child, or sibling of the 1500
2222	2222
2223	2223	HB 1181 2025
2224	2224
2225	2225
2226	2226
2227	2227	CODING: Words stricken are deletions; words underlined are additions.
2228	2228	hb1181-00
2229	2229	Page 61 of 125
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	dentist; 1501
2235	2235	3. Wholly owned by a chiropractic physician licensed under 1502
2236	2236	chapter 460 or by the chiropractic physician and the spouse, 1503
2237	2237	parent, child, or sibling of the chiropractic physician; 1504
2238	2238	4. A hospital or an ambulatory surgical center licensed 1505
2239	2239	under chapter 395; 1506
2240	2240	5. An entity that wholly owns or is wholly owned, directly 1507
2241	2241	or indirectly, by a hospital or hospitals licensed under chapter 1508
2242	2242	395; 1509
2243	2243	6. A clinical facility affiliated with an accredited 1510
2244	2244	medical school at which training is provided for medical 1511
2245	2245	students, residents, or fellows; 1512
2246	2246	7. Certified under 42 C.F.R. part 485, subpart H; or 1513
2247	2247	8. Owned by a publicly traded corporation, either directly 1514
2248	2248	or indirectly through its subsidiaries, which has $250 million 1515
2249	2249	or more in total annual sales of health care services provide d 1516
2250	2250	by licensed health care practitioners, if one or more of the 1517
2251	2251	persons responsible for the operations of the entity are health 1518
2252	2252	care practitioners who are licensed in this state and who are 1519
2253	2253	responsible for supervising the business activities of the 1520
2254	2254	entity and the entity's compliance with state law for purposes 1521
2255	2255	of this subsection under the Florida Motor Vehicle No -Fault Law, 1522
2256	2256	ss. 627.730-627.7405, unless exempted under s. 627.736(5)(h) . 1523
2257	2257	Section 29. Subsection (5) of section 400.991, Florida 1524
2258	2258	Statutes, is amended to read: 1525
2259	2259
2260	2260	HB 1181 2025
2261	2261
2262	2262
2263	2263
2264	2264	CODING: Words stricken are deletions; words underlined are additions.
2265	2265	hb1181-00
2266	2266	Page 62 of 125
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	400.991 License requirements; background screenings; 1526
2272	2272	prohibitions.— 1527
2273	2273	(5) All agency forms for licensure application or 1528
2274	2274	exemption from licensure under this part must contain the 1529
2275	2275	following statement: 1530
2276	2276	1531
2277	2277	INSURANCE FRAUD NOTICE. —A person commits a fraudulent 1532
2278	2278	insurance act, as defined in s. 626.989, Florida 1533
2279	2279	Statutes, if the person who knowingly submits a false, 1534
2280	2280	misleading, or fraudulent application or other 1535
2281	2281	document when applying for licensure as a health care 1536
2282	2282	clinic, seeking an exemption from li censure as a 1537
2283	2283	health care clinic, or demonstrating compliance with 1538
2284	2284	part X of chapter 400, Florida Statutes, with the 1539
2285	2285	intent to use the license, exemption from licensure, 1540
2286	2286	or demonstration of compliance to provide services or 1541
2287	2287	seek reimbursement under a motor vehicle liability 1542
2288	2288	insurance policy's medical payments coverage the 1543
2289	2289	Florida Motor Vehicle No -Fault Law, commits a 1544
2290	2290	fraudulent insurance act, as defined in s. 626.989, 1545
2291	2291	Florida Statutes. A person who presents a claim for 1546
2292	2292	benefits under medical payments coverag e personal 1547
2293	2293	injury protection benefits knowing that the payee 1548
2294	2294	knowingly submitted such health care clinic 1549
2295	2295	application or document commits insurance fraud, as 1550
2296	2296
2297	2297	HB 1181 2025
2298	2298
2299	2299
2300	2300
2301	2301	CODING: Words stricken are deletions; words underlined are additions.
2302	2302	hb1181-00
2303	2303	Page 63 of 125
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	defined in s. 817.234, Florida Statutes. 1551
2309	2309	Section 30. Paragraph (g) of subsection (1) of section 1552
2310	2310	400.9935, Florida Statutes, is amended to read: 1553
2311	2311	400.9935 Clinic responsibilities. — 1554
2312	2312	(1) Each clinic shall appoint a medical director or clinic 1555
2313	2313	director who shall agree in writing to accept legal 1556
2314	2314	responsibility for the following activities on behalf of the 1557
2315	2315	clinic. The medical director or the clinic director shall: 1558
2316	2316	(g) Conduct systematic reviews of clinic billings to 1559
2317	2317	ensure that the billings are not fraudulent or unlawful. Upon 1560
2318	2318	discovery of an unlawful charge, the medical director or clinic 1561
2319	2319	director shall take immediate corrective action. If the clinic 1562
2320	2320	performs only the technical component of magnetic resonance 1563
2321	2321	imaging, static radiographs, computed tomography, or positron 1564
2322	2322	emission tomography, and provides the professional 1565
2323	2323	interpretation of such services, in a fixed facility that is 1566
2324	2324	accredited by a national accrediting organization that is 1567
2325	2325	approved by the Centers for Medicare and Medicaid Services for 1568
2326	2326	magnetic resonance imaging and advanced diagnostic imaging 1569
2327	2327	services and if, in the preceding quarter, the percentage of 1570
2328	2328	scans performed by that clinic which was billed to motor vehicle 1571
2329	2329	all personal injury protection insurance carriers under medical 1572
2330	2330	payments coverage was less than 15 percent, the chief financial 1573
2331	2331	officer of the clinic may, in a written acknowled gment provided 1574
2332	2332	to the agency, assume the responsibility for the conduct of the 1575
2333	2333
2334	2334	HB 1181 2025
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	systematic reviews of clinic billings to ensure that the 1576
2346	2346	billings are not fraudulent or unlawful. 1577
2347	2347	Section 31. Subsection (28) of section 409.901, Florida 1578
2348	2348	Statutes, is amended to read: 1579
2349	2349	409.901 Definitions; ss. 409.901 -409.920.—As used in ss. 1580
2350	2350	409.901-409.920, except as otherwise specifically provided, the 1581
2351	2351	term: 1582
2352	2352	(28) "Third-party benefit" means any benefit that is or 1583
2353	2353	may be available at any time through contract, court award , 1584
2354	2354	judgment, settlement, agreement, or any arrangement between a 1585
2355	2355	third party and any person or entity, including, without 1586
2356	2356	limitation, a Medicaid recipient, a provider, another third 1587
2357	2357	party, an insurer, or the agency, for any Medicaid -covered 1588
2358	2358	injury, illness, goods, or services, including costs of medical 1589
2359	2359	services related thereto, for bodily personal injury or for 1590
2360	2360	death of the recipient, but specifically excluding policies of 1591
2361	2361	life insurance policies on the recipient, unless available under 1592
2362	2362	terms of the policy to pay medical expenses before prior to 1593
2363	2363	death. The term includes, without limitation, collateral, as 1594
2364	2364	defined in this section ;, health insurance;, any benefit under a 1595
2365	2365	health maintenance organizat ion, a preferred provider 1596
2366	2366	arrangement, a prepaid health clinic, liability insurance, 1597
2367	2367	uninsured motorist insurance , or medical payments coverage; or 1598
2368	2368	personal injury protection coverage, medical benefits under 1599
2369	2369	workers' compensation ;, and any obligation under law or equity 1600
2370	2370
2371	2371	HB 1181 2025
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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	to provide medical support. 1601
2383	2383	Section 32. Paragraph (f) of subsection (11) of section 1602
2384	2384	409.910, Florida Statutes, is amended to read: 1603
2385	2385	409.910 Responsibility for payments on behalf of Medicaid -1604
2386	2386	eligible persons when other parties are liable .— 1605
2387	2387	(11) The agency may, as a matter of right, in order to 1606
2388	2388	enforce its rights under this section, institute, intervene in, 1607
2389	2389	or join any legal or administrative proceeding in its own name 1608
2390	2390	in one or more of the following capacities: individually, as 1609
2391	2391	subrogee of the recipient, as assignee of the recipient, or as 1610
2392	2392	lienholder of the collateral. 1611
2393	2393	(f) Notwithstanding any provision in this section to the 1612
2394	2394	contrary, in the event of an action in tort against a third 1613
2395	2395	party in which the recipient or his or her legal rep resentative 1614
2396	2396	is a party which results in a judgment, award, or settlement 1615
2397	2397	from a third party, the amount recovered shall be distributed as 1616
2398	2398	follows: 1617
2399	2399	1. After attorney attorney's fees and taxable costs as 1618
2400	2400	defined by the Florida Rules of Civil Procedure, one -half of the 1619
2401	2401	remaining recovery shall be paid to the agency up to the total 1620
2402	2402	amount of medical assistance provided by Medicaid. 1621
2403	2403	2. The remaining amount of the recovery shall be paid to 1622
2404	2404	the recipient. 1623
2405	2405	3. For purposes of calculating the agency's recovery of 1624
2406	2406	medical assistance benefits paid, the fee for services of an 1625
2407	2407
2408	2408	HB 1181 2025
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2410	2410
2411	2411
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2413	2413	hb1181-00
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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	attorney retained by the recipient or his or her legal 1626
2420	2420	representative shall be calculated at 25 percent of the 1627
2421	2421	judgment, award, or settlement. 1628
2422	2422	4. Notwithstanding any other provision of this section to 1629
2423	2423	the contrary, the agency is shall be entitled to all medical 1630
2424	2424	coverage benefits up to the total amount of medical assistance 1631
2425	2425	provided by Medicaid. For purposes of this paragraph, the term 1632
2426	2426	"medical coverage" means any benefits under health insuran ce, a 1633
2427	2427	health maintenance organization, a preferred provider 1634
2428	2428	arrangement, or a prepaid health clinic, and the portion of 1635
2429	2429	benefits designated for medical payments under coverage for 1636
2430	2430	workers' compensation coverage, motor vehicle insurance 1637
2431	2431	coverage, personal injury protection, and casualty coverage. 1638
2432	2432	Section 33. Paragraph (k) of subsection (2) of section 1639
2433	2433	456.057, Florida Statutes, is amended to read: 1640
2434	2434	456.057 Ownership and control of patient records; report 1641
2435	2435	or copies of records to be furnished; disclosure of 1642
2436	2436	information.— 1643
2437	2437	(2) As used in this section, the terms "records owner," 1644
2438	2438	"health care practitioner," and "health care practitioner's 1645
2439	2439	employer" do not include any of the following persons or 1646
2440	2440	entities; furthermore, the following persons or entities are not 1647
2441	2441	authorized to acquire or own medical records, but are authorized 1648
2442	2442	under the confidentiality and disclosure requirements of this 1649
2443	2443	section to maintain those documents required by the part or 1650
2444	2444
2445	2445	HB 1181 2025
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	chapter under which they are licensed or regulated: 1651
2457	2457	(k) Persons or entities practicing under s. 627.736(7). 1652
2458	2458	Section 34. Paragraphs (ee) and (ff) of subsection (1) of 1653
2459	2459	section 456.072, Florida Statutes, are amended to read: 1654
2460	2460	456.072 Grounds for discipline; penalties; enforcement. — 1655
2461	2461	(1) The following acts shall consti tute grounds for which 1656
2462	2462	the disciplinary actions specified in subsection (2) may be 1657
2463	2463	taken: 1658
2464	2464	(ee) With respect to making a medical payments coverage 1659
2465	2465	personal injury protection claim as required by s. 627.736 , 1660
2466	2466	intentionally submitting a claim, statement, or bill that has 1661
2467	2467	been upcoded. As used in this paragraph, the term "upcode" means 1662
2468	2468	to submit a billing code that would result in a greater payment 1663
2469	2469	amount than would be paid using a billing code that accurately 1664
2470	2470	describes the services performed. The term does no t include an 1665
2471	2471	otherwise lawful bill by a magnetic resonance imaging facility 1666
2472	2472	which globally combines both technical and professional 1667
2473	2473	components, if the amount of the global bill is not more than 1668
2474	2474	the components if billed separately; however, payment of such a 1669
2475	2475	bill constitutes payment in full for all components of such 1670
2476	2476	service "upcoded" as defined in s. 627.732 . 1671
2477	2477	(ff) With respect to making a medical payments coverage 1672
2478	2478	personal injury protection claim as required by s. 627.736 , 1673
2479	2479	intentionally submitting a claim , statement, or bill for payment 1674
2480	2480	of services that were not rendered. 1675
2481	2481
2482	2482	HB 1181 2025
2483	2483
2484	2484
2485	2485
2486	2486	CODING: Words stricken are deletions; words underlined are additions.
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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	Section 35. Paragraphs (i) and (o) of subsection (1) of 1676
2494	2494	section 626.9541, Florida Statutes, are amended to read: 1677
2495	2495	626.9541 Unfair methods of competition and unfair or 1678
2496	2496	deceptive acts or practices defined. — 1679
2497	2497	(1) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE 1680
2498	2498	ACTS.—The following are defined as unfair methods of competition 1681
2499	2499	and unfair or deceptive acts or practices: 1682
2500	2500	(i) Unfair claim settlement practices. — 1683
2501	2501	1. Attempting to sett le claims on the basis of an 1684
2502	2502	application, when serving as a binder or intended to become a 1685
2503	2503	part of the policy, or any other material document which was 1686
2504	2504	altered without notice to, or knowledge or consent of, the 1687
2505	2505	insured; 1688
2506	2506	2. Making a material misrepresenta tion made to an insured 1689
2507	2507	or any other person having an interest in the proceeds payable 1690
2508	2508	under such contract or policy, for the purpose and with the 1691
2509	2509	intent of effecting settlement of such claims, loss, or damage 1692
2510	2510	under such contract or policy on less favorable terms t han those 1693
2511	2511	provided in, and contemplated by, such contract or policy; 1694
2512	2512	3. Committing or performing with such frequency as to 1695
2513	2513	indicate a general business practice any of the following: 1696
2514	2514	a. Failing to adopt and implement standards for the proper 1697
2515	2515	investigation of claims; 1698
2516	2516	b. Misrepresenting pertinent facts or insurance policy 1699
2517	2517	provisions relating to coverages at issue; 1700
2518	2518
2519	2519	HB 1181 2025
2520	2520
2521	2521
2522	2522
2523	2523	CODING: Words stricken are deletions; words underlined are additions.
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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	c. Failing to acknowledge and act promptly upon 1701
2531	2531	communications with respect to claims; 1702
2532	2532	d. Denying claims without conducting reasonable 1703
2533	2533	investigations based upon available information; 1704
2534	2534	e. Failing to affirm or deny full or partial coverage of 1705
2535	2535	claims, and, as to partial coverage, the dollar amount or extent 1706
2536	2536	of coverage, or failing to provide a written statement that the 1707
2537	2537	claim is being investi gated, upon the written request of the 1708
2538	2538	insured within 30 days after proof -of-loss statements have been 1709
2539	2539	completed; 1710
2540	2540	f. Failing to promptly provide a reasonable explanation in 1711
2541	2541	writing to the insured of the basis in the insurance policy, in 1712
2542	2542	relation to the facts or applicable law, for denial of a claim 1713
2543	2543	or for the offer of a compromise settlement; 1714
2544	2544	g. Failing to promptly notify the insured of any 1715
2545	2545	additional information necessary for the processing of a claim; 1716
2546	2546	h. Failing to clearly explain the nature of the requested 1717
2547	2547	information and the reasons why such information is necessary; 1718
2548	2548	or 1719
2549	2549	i. Failing to pay personal injury protection insurance 1720
2550	2550	claims within the time periods required by s. 627.736(4)(b). The 1721
2551	2551	office may order the insurer to pay restitution to a 1722
2552	2552	policyholder, medical provider, or other claimant, including 1723
2553	2553	interest at a rate consistent with the amount set forth in s. 1724
2554	2554	55.03(1), for the time period within which an insurer fails to 1725
2555	2555
2556	2556	HB 1181 2025
2557	2557
2558	2558
2559	2559
2560	2560	CODING: Words stricken are deletions; words underlined are additions.
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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	pay claims as required by law. Restitution is in addition to any 1726
2568	2568	other penalties allowed by law, including, but not limited to, 1727
2569	2569	the suspension of the insurer's certificate of authority; or 1728
2570	2570	j. Altering or amending an insurance adjuster's report 1729
2571	2571	without: 1730
2572	2572	(I) Providing a detailed explanation as to why any change 1731
2573	2573	that has the effect of reducing the estimate of the loss was 1732
2574	2574	made; and 1733
2575	2575	(II) Including on the report or as an addendum to the 1734
2576	2576	report a detailed list of all changes made to the report and the 1735
2577	2577	identity of the person who ordered each change; or 1736
2578	2578	(III) Retaining all versio ns of the report, and including 1737
2579	2579	within each such version, for each change made within such 1738
2580	2580	version of the report, the identity of each person who made or 1739
2581	2581	ordered such change; or 1740
2582	2582	4. Failing to pay undisputed amounts of partial or full 1741
2583	2583	benefits owed under first-party property insurance policies 1742
2584	2584	within 60 days after an insurer receives notice of a residential 1743
2585	2585	property insurance claim, determines the amounts of partial or 1744
2586	2586	full benefits, and agrees to coverage, unless payment of the 1745
2587	2587	undisputed benefits is prev ented by factors beyond the control 1746
2588	2588	of the insurer as defined in s. 627.70131(5). 1747
2589	2589	(o) Illegal dealings in premiums; excess or reduced 1748
2590	2590	charges for insurance. — 1749
2591	2591	1. Knowingly collecting any sum as a premium or charge for 1750
2592	2592
2593	2593	HB 1181 2025
2594	2594
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	insurance, which is not then provided, or is not in due course 1751
2605	2605	to be provided, subject to acceptance of the risk by the 1752
2606	2606	insurer, by an insurance policy issued by an insurer as 1753
2607	2607	permitted by this code. 1754
2608	2608	2. Knowingly collecting as a premium or charge for 1755
2609	2609	insurance any sum in excess of o r less than the premium or 1756
2610	2610	charge applicable to such insurance, in accordance with the 1757
2611	2611	applicable classifications and rates as filed with and approved 1758
2612	2612	by the office, and as specified in the policy; or, in cases when 1759
2613	2613	classifications, premiums, or rates are not required by this 1760
2614	2614	code to be so filed and approved, premiums and charges collected 1761
2615	2615	from a Florida resident in excess of or less than those 1762
2616	2616	specified in the policy and as fixed by the insurer. 1763
2617	2617	Notwithstanding any other provision of law, this provision sh all 1764
2618	2618	not be deemed to prohibit the charging and collection, by 1765
2619	2619	surplus lines agents licensed under part VIII of this chapter, 1766
2620	2620	of the amount of applicable state and federal taxes, or fees as 1767
2621	2621	authorized by s. 626.916(4), in addition to the premium required 1768
2622	2622	by the insurer or the charging and collection, by licensed 1769
2623	2623	agents, of the exact amount of any discount or other such fee 1770
2624	2624	charged by a credit card facility in connection with the use of 1771
2625	2625	a credit card, as authorized by subparagraph (q)3., in addition 1772
2626	2626	to the premium required by the insurer. This subparagraph shall 1773
2627	2627	not be construed to prohibit collection of a premium for a 1774
2628	2628	universal life or a variable or indeterminate value insurance 1775
2629	2629
2630	2630	HB 1181 2025
2631	2631
2632	2632
2633	2633
2634	2634	CODING: Words stricken are deletions; words underlined are additions.
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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	policy made in accordance with the terms of the contract. 1776
2642	2642	3.a. Imposing or req uesting an additional premium for 1777
2643	2643	bodily injury liability coverage, property damage liability 1778
2644	2644	coverage a policy of motor vehicle liability, personal injury 1779
2645	2645	protection, medical payments coverage payment, or collision 1780
2646	2646	coverage in a motor vehicle liability in surance policy insurance 1781
2647	2647	or any combination thereof or refusing to renew the policy 1782
2648	2648	solely because the insured was involved in a motor vehicle 1783
2649	2649	accident unless the insurer's file contains information from 1784
2650	2650	which the insurer in good faith determines that the insured was 1785
2651	2651	substantially at fault in the accident. 1786
2652	2652	b. An insurer which imposes and collects such a surcharge 1787
2653	2653	or which refuses to renew such policy shall, in conjunction with 1788
2654	2654	the notice of premium due or notice of nonrenewal, notify the 1789
2655	2655	named insured that he or she is entitled to reimbursement of 1790
2656	2656	such amount or renewal of the policy under the conditions listed 1791
2657	2657	below and will subsequently reimburse him or her or renew the 1792
2658	2658	policy, if the named insured demonstrates that the operator 1793
2659	2659	involved in the accident was: 1794
2660	2660	(I) Lawfully parked; 1795
2661	2661	(II) Reimbursed by, or on behalf of, a person responsible 1796
2662	2662	for the accident or has a judgment against such person; 1797
2663	2663	(III) Struck in the rear by another vehicle headed in the 1798
2664	2664	same direction and was not convicted of a moving tra ffic 1799
2665	2665	violation in connection with the accident; 1800
2666	2666
2667	2667	HB 1181 2025
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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	(IV) Hit by a "hit-and-run" driver, if the accident was 1801
2679	2679	reported to the proper authorities within 24 hours after 1802
2680	2680	discovering the accident; 1803
2681	2681	(V) Not convicted of a moving traffic violation in 1804
2682	2682	connection with the accident, but the operator of the other 1805
2683	2683	automobile involved in such accident was convicted of a moving 1806
2684	2684	traffic violation; 1807
2685	2685	(VI) Finally adjudicated not to be liable by a court of 1808
2686	2686	competent jurisdiction; 1809
2687	2687	(VII) In receipt of a traffic citation which was dismissed 1810
2688	2688	or nolle prossed; or 1811
2689	2689	(VIII) Not at fault as evidenced by a written statement 1812
2690	2690	from the insured establishing facts demonstrating lack of fault 1813
2691	2691	which are not rebutted by information in the insurer's file from 1814
2692	2692	which the insurer in good faith d etermines that the insured was 1815
2693	2693	substantially at fault. 1816
2694	2694	c. In addition to the other provisions of this 1817
2695	2695	subparagraph, an insurer may not fail to renew a policy if the 1818
2696	2696	insured has had only one accident in which he or she was at 1819
2697	2697	fault within the current 3 -year period. However, an insurer may 1820
2698	2698	nonrenew a policy for reasons other than accidents in accordance 1821
2699	2699	with s. 627.728. This subparagraph does not prohibit nonrenewal 1822
2700	2700	of a policy under which the insured has had three or more 1823
2701	2701	accidents, regardless of fault, du ring the most recent 3 -year 1824
2702	2702	period. 1825
2703	2703
2704	2704	HB 1181 2025
2705	2705
2706	2706
2707	2707
2708	2708	CODING: Words stricken are deletions; words underlined are additions.
2709	2709	hb1181-00
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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	4. Imposing or requesting an additional premium for, or 1826
2716	2716	refusing to renew, a policy for motor vehicle insurance solely 1827
2717	2717	because the insured committed a noncriminal traffic infraction 1828
2718	2718	as described in s. 318.14 unless the infraction is: 1829
2719	2719	a. A second infraction committed within an 18 -month 1830
2720	2720	period, or a third or subsequent infraction committed within a 1831
2721	2721	36-month period. 1832
2722	2722	b. A violation of s. 316.183, when such violation is a 1833
2723	2723	result of exceeding the lawful speed limit by mor e than 15 miles 1834
2724	2724	per hour. 1835
2725	2725	5. Upon the request of the insured, the insurer and 1836
2726	2726	licensed agent shall supply to the insured the complete proof of 1837
2727	2727	fault or other criteria which justifies the additional charge or 1838
2728	2728	cancellation. 1839
2729	2729	6. No insurer shall impose or request an additional 1840
2730	2730	premium for motor vehicle insurance, cancel or refuse to issue a 1841
2731	2731	policy, or refuse to renew a policy because the insured or the 1842
2732	2732	applicant is a handicapped or physically disabled person, so 1843
2733	2733	long as such handicap or physical disability does not 1844
2734	2734	substantially impair such person's mechanically assisted driving 1845
2735	2735	ability. 1846
2736	2736	7. No insurer may cancel or otherwise terminate any 1847
2737	2737	insurance contract or coverage, or require execution of a 1848
2738	2738	consent to rate endorsement, during the stated policy term fo r 1849
2739	2739	the purpose of offering to issue, or issuing, a similar or 1850
2740	2740
2741	2741	HB 1181 2025
2742	2742
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	identical contract or coverage to the same insured with the same 1851
2753	2753	exposure at a higher premium rate or continuing an existing 1852
2754	2754	contract or coverage with the same exposure at an increased 1853
2755	2755	premium. 1854
2756	2756	8. No insurer may issue a nonrenewal notice on any 1855
2757	2757	insurance contract or coverage, or require execution of a 1856
2758	2758	consent to rate endorsement, for the purpose of offering to 1857
2759	2759	issue, or issuing, a similar or identical contract or coverage 1858
2760	2760	to the same insured at a higher premium rate or continuing an 1859
2761	2761	existing contract or coverage at an increased premium without 1860
2762	2762	meeting any applicable notice requirements. 1861
2763	2763	9. No insurer shall, with respect to premiums charged for 1862
2764	2764	motor vehicle insurance, unfairly discriminate sole ly on the 1863
2765	2765	basis of age, sex, marital status, or scholastic achievement. 1864
2766	2766	10. Imposing or requesting an additional premium for motor 1865
2767	2767	vehicle comprehensive or uninsured motorist coverage solely 1866
2768	2768	because the insured was involved in a motor vehicle accident or 1867
2769	2769	was convicted of a moving traffic violation. 1868
2770	2770	11. No insurer shall cancel or issue a nonrenewal notice 1869
2771	2771	on any insurance policy or contract without complying with any 1870
2772	2772	applicable cancellation or nonrenewal provision required under 1871
2773	2773	the Florida Insurance Cod e. 1872
2774	2774	12. No insurer shall impose or request an additional 1873
2775	2775	premium, cancel a policy, or issue a nonrenewal notice on any 1874
2776	2776	insurance policy or contract because of any traffic infraction 1875
2777	2777
2778	2778	HB 1181 2025
2779	2779
2780	2780
2781	2781
2782	2782	CODING: Words stricken are deletions; words underlined are additions.
2783	2783	hb1181-00
2784	2784	Page 76 of 125
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	when adjudication has been withheld and no points have been 1876
2790	2790	assessed pursuant to s. 318.14(9) and (10). However, this 1877
2791	2791	subparagraph does not apply to traffic infractions involving 1878
2792	2792	accidents in which the insurer has incurred a loss due to the 1879
2793	2793	fault of the insured. 1880
2794	2794	Section 36. Paragraph (a) of subsection (1) of section 1881
2795	2795	626.989, Florida Statutes, is amended to read: 1882
2796	2796	626.989 Investigation by department or Division of 1883
2797	2797	Investigative and Forensic Services; compliance; immunity; 1884
2798	2798	confidential information; reports to division; division 1885
2799	2799	investigator's power of arrest. — 1886
2800	2800	(1) For the purposes of this section: 1887
2801	2801	(a) A person commits a "fraudulent insurance act" if the 1888
2802	2802	person: 1889
2803	2803	1. Knowingly and with intent to defraud presents, causes 1890
2804	2804	to be presented, or prepares with knowledge or belief that it 1891
2805	2805	will be presented, to or by an insurer, self -insurer, self-1892
2806	2806	insurance fund, servicing corporation, purported insurer, 1893
2807	2807	broker, or any agent thereof, any written statement as part of, 1894
2808	2808	or in support of, an application for the issuance of, or the 1895
2809	2809	rating of, any insurance policy, or a claim for payment or other 1896
2810	2810	benefit pursuant to any insurance policy, which the person knows 1897
2811	2811	to contain materiall y false information concerning any fact 1898
2812	2812	material thereto or if the person conceals, for the purpose of 1899
2813	2813	misleading another, information concerning any fact material 1900
2814	2814
2815	2815	HB 1181 2025
2816	2816
2817	2817
2818	2818
2819	2819	CODING: Words stricken are deletions; words underlined are additions.
2820	2820	hb1181-00
2821	2821	Page 77 of 125
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	thereto. 1901
2827	2827	2. Knowingly submits: 1902
2828	2828	a. A false, misleading, or fraudulent application or othe r 1903
2829	2829	document when applying for licensure as a health care clinic, 1904
2830	2830	seeking an exemption from licensure as a health care clinic, or 1905
2831	2831	demonstrating compliance with part X of chapter 400 with an 1906
2832	2832	intent to use the license, exemption from licensure, or 1907
2833	2833	demonstration of compliance to provide services or seek 1908
2834	2834	reimbursement under a motor vehicle liability insurance policy's 1909
2835	2835	medical payments coverage the Florida Motor Vehicle No -Fault 1910
2836	2836	Law. 1911
2837	2837	b. A claim for payment or other benefit under a motor 1912
2838	2838	vehicle liability insuran ce policy's medical payments coverage, 1913
2839	2839	pursuant to a personal injury protection insurance policy under 1914
2840	2840	the Florida Motor Vehicle No -Fault Law if the person knows that 1915
2841	2841	the payee knowingly submitted a false, misleading, or fraudulent 1916
2842	2842	application or other doc ument when applying for licensure as a 1917
2843	2843	health care clinic, seeking an exemption from licensure as a 1918
2844	2844	health care clinic, or demonstrating compliance with part X of 1919
2845	2845	chapter 400. 1920
2846	2846	Section 37. Subsection (1) of section 627.06501, Florida 1921
2847	2847	Statutes, is amended to read: 1922
2848	2848	627.06501 Insurance discounts for certain persons 1923
2849	2849	completing driver improvement course. — 1924
2850	2850	(1) Any rate, rating schedule, or rating manual for the 1925
2851	2851
2852	2852	HB 1181 2025
2853	2853
2854	2854
2855	2855
2856	2856	CODING: Words stricken are deletions; words underlined are additions.
2857	2857	hb1181-00
2858	2858	Page 78 of 125
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	liability, medical payments personal injury protection , and 1926
2864	2864	collision coverages of a motor vehic le insurance policy filed 1927
2865	2865	with the office may provide for an appropriate reduction in 1928
2866	2866	premium charges as to such coverages if when the principal 1929
2867	2867	operator on the covered vehicle has successfully completed a 1930
2868	2868	driver improvement course approved and certified b y the 1931
2869	2869	Department of Highway Safety and Motor Vehicles which is 1932
2870	2870	effective in reducing crash or violation rates, or both, as 1933
2871	2871	determined pursuant to s. 318.1451(5). Any discount, not to 1934
2872	2872	exceed 10 percent, used by an insurer is presumed to be 1935
2873	2873	appropriate unless credible data demonstrates otherwise. 1936
2874	2874	Section 38. Subsection (15) is added to section 627.0651, 1937
2875	2875	Florida Statutes, to read: 1938
2876	2876	627.0651 Making and use of rates for motor vehicle 1939
2877	2877	insurance.— 1940
2878	2878	(15) Rate filings for motor vehicle liability policies 1941
2879	2879	that implement the financial responsibility requirements of s. 1942
2880	2880	324.022 in effect July 1, 2026, except for commercial motor 1943
2881	2881	vehicle insurance policies exempt under paragraph (14)(a), must 1944
2882	2882	reflect such financial responsibility requirements and may be 1945
2883	2883	approved only through the file and use process under paragraph 1946
2884	2884	(1)(a). 1947
2885	2885	Section 39. Subsection (1) of section 627.0652, Florida 1948
2886	2886	Statutes, is amended to read: 1949
2887	2887	627.0652 Insurance discounts for certain persons 1950
2888	2888
2889	2889	HB 1181 2025
2890	2890
2891	2891
2892	2892
2893	2893	CODING: Words stricken are deletions; words underlined are additions.
2894	2894	hb1181-00
2895	2895	Page 79 of 125
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	completing safety course. — 1951
2901	2901	(1) Any rates, rating sched ules, or rating manuals for the 1952
2902	2902	liability, medical payments personal injury protection , and 1953
2903	2903	collision coverages of a motor vehicle insurance policy filed 1954
2904	2904	with the office must shall provide for an appropriate reduction 1955
2905	2905	in premium charges as to such coverage s if when the principal 1956
2906	2906	operator on the covered vehicle is an insured 55 years of age or 1957
2907	2907	older who has successfully completed a motor vehicle accident 1958
2908	2908	prevention course approved by the Department of Highway Safety 1959
2909	2909	and Motor Vehicles. Any discount used by a n insurer is presumed 1960
2910	2910	to be appropriate unless credible data demonstrates otherwise. 1961
2911	2911	Section 40. Subsections (1), (3), and (6) of section 1962
2912	2912	627.0653, Florida Statutes, are amended to read: 1963
2913	2913	627.0653 Insurance discounts for specified motor vehicle 1964
2914	2914	equipment.— 1965
2915	2915	(1) Any rates, rating schedules, or rating manuals for the 1966
2916	2916	liability, medical payments personal injury protection , and 1967
2917	2917	collision coverages of a motor vehicle insurance policy filed 1968
2918	2918	with the office must shall provide a premium discount if the 1969
2919	2919	insured vehicle is equipped with factory -installed, four-wheel 1970
2920	2920	antilock brakes. 1971
2921	2921	(3) Any rates, rating schedules, or rating manuals for 1972
2922	2922	personal injury protection coverage and medical payments 1973
2923	2923	coverage, if offered, of a motor vehicle insurance policy filed 1974
2924	2924	with the office must shall provide a premium discount if the 1975
2925	2925
2926	2926	HB 1181 2025
2927	2927
2928	2928
2929	2929
2930	2930	CODING: Words stricken are deletions; words underlined are additions.
2931	2931	hb1181-00
2932	2932	Page 80 of 125
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	insured vehicle is equipped with one or more air bags that which 1976
2938	2938	are factory installed. 1977
2939	2939	(6) The Office of Insurance Regulation may approve a 1978
2940	2940	premium discount to any rates, rating schedules, or rating 1979
2941	2941	manuals for the liability, medical payments personal injury 1980
2942	2942	protection, and collision coverages of a motor vehicle insurance 1981
2943	2943	policy filed with the office if the insured vehicle is equipped 1982
2944	2944	with an automated driving system or electronic vehicle collision 1983
2945	2945	avoidance technology that is factory installed or a retrofitted 1984
2946	2946	system and that complies with National Highway Traffic Safety 1985
2947	2947	Administration standards. 1986
2948	2948	Section 41. Section 627.4132, Florida Statutes, is amended 1987
2949	2949	to read: 1988
2950	2950	627.4132 Stacking of coverages prohibited. —If an insured 1989
2951	2951	or named insured is protected by any type of motor vehicle 1990
2952	2952	insurance policy providing primary bodily injury and proper ty 1991
2953	2953	damage for liability, personal injury protection, or other 1992
2954	2954	coverage, the policy must shall provide that the insured or 1993
2955	2955	named insured is protected only to the extent of the coverage 1994
2956	2956	she or he has on the vehicle involved in the accident. However, 1995
2957	2957	if none of the insured's or named insured's vehicles are is 1996
2958	2958	involved in the accident, coverage is available only to the 1997
2959	2959	extent of coverage on any one of the vehicles with applicable 1998
2960	2960	coverage. Coverage on any other vehicles may shall not be added 1999
2961	2961	to or stacked upon that coverage. This section does not apply: 2000
2962	2962
2963	2963	HB 1181 2025
2964	2964
2965	2965
2966	2966
2967	2967	CODING: Words stricken are deletions; words underlined are additions.
2968	2968	hb1181-00
2969	2969	Page 81 of 125
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	(1) Apply to uninsured motorist coverage that which is 2001
2975	2975	separately governed by s. 627.727. 2002
2976	2976	(2) To Reduce the coverage available by reason of 2003
2977	2977	insurance policies insuring different named insureds. 2004
2978	2978	Section 42. Subsection (1) of section 627.4137, Florida 2005
2979	2979	Statutes, is amended to read: 2006
2980	2980	627.4137 Disclosure of certain information required. — 2007
2981	2981	(1) Each insurer which does or may provide liability 2008
2982	2982	insurance coverage to pay all or a portion of any claim which 2009
2983	2983	might be made shall provide, within 30 days after of the written 2010
2984	2984	request of the claimant or the claimant's attorney , a statement, 2011
2985	2985	under oath, of a corporate officer or the insurer's claims 2012
2986	2986	manager or superintendent setting forth the following 2013
2987	2987	information with regard to each known policy of insurance, 2014
2988	2988	including excess or umbrella insurance: 2015
2989	2989	(a) The name of the insurer. 2016
2990	2990	(b) The name of each insured. 2017
2991	2991	(c) The limits of the liability coverage. 2018
2992	2992	(d) A statement of any policy or coverage defense which 2019
2993	2993	such insurer reasonably believes is available to such insurer at 2020
2994	2994	the time of filing such statement. 2021
2995	2995	(e) A copy of the policy. 2022
2996	2996	2023
2997	2997	In addition, the insured, or her or his insurance agent, upon 2024
2998	2998	written request of the claimant or the claimant's attorney, 2025
2999	2999
3000	3000	HB 1181 2025
3001	3001
3002	3002
3003	3003
3004	3004	CODING: Words stricken are deletions; words underlined are additions.
3005	3005	hb1181-00
3006	3006	Page 82 of 125
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	shall disclose the name and coverage of each known insurer to 2026
3012	3012	the claimant and shall forward such request for information as 2027
3013	3013	required by this subsection to all affected insurers. The 2028
3014	3014	insurer shall then supply the information required in this 2029
3015	3015	subsection to the claimant within 30 days after of receipt of 2030
3016	3016	such request. If an insurer fails to timely comply with this 2031
3017	3017	section, the claimant may file an action in a court of competent 2032
3018	3018	jurisdiction to enforce this section. If the court determines 2033
3019	3019	that the insurer vio lated this section, the claimant is entitled 2034
3020	3020	to an award of reasonable attorney fees and costs to be paid by 2035
3021	3021	the insurer. 2036
3022	3022	Section 43. Section 627.7263, Florida Statutes, is amended 2037
3023	3023	to read: 2038
3024	3024	627.7263 Rental and leasing driver's insurance to be 2039
3025	3025	primary; exception.— 2040
3026	3026	(1) The valid and collectible liability insurance or 2041
3027	3027	personal injury protection insurance providing coverage for the 2042
3028	3028	lessor of a motor vehicle for rent or lease is primary unless 2043
3029	3029	otherwise stated in at least 10 -point type on the face of the 2044
3030	3030	rental or lease agreement. Such insurance is primary for the 2045
3031	3031	limits of liability and personal injury protection coverage as 2046
3032	3032	required under s. 324.021(7) by ss. 324.021(7) and 627.736 . 2047
3033	3033	(2) If the lessee's coverage is to be primary, the rental 2048
3034	3034	or lease agreement must contain the following language, in at 2049
3035	3035	least 10-point type: 2050
3036	3036
3037	3037	HB 1181 2025
3038	3038
3039	3039
3040	3040
3041	3041	CODING: Words stricken are deletions; words underlined are additions.
3042	3042	hb1181-00
3043	3043	Page 83 of 125
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	2051
3049	3049	"The valid and collectible liability insurance and 2052
3050	3050	personal injury protection insurance of an any 2053
3051	3051	authorized rental or leasing driver are is primary for 2054
3052	3052	the limits of liability and personal injury protection 2055
3053	3053	coverage required under s. 324.021(7) by ss. 2056
3054	3054	324.021(7) and 627.736 , Florida Statutes." 2057
3055	3055	Section 44. Subsections (1) and (7) of section 627.727, 2058
3056	3056	Florida Statutes, are amended to read: 2059
3057	3057	627.727 Motor vehicle insurance; uninsured and 2060
3058	3058	underinsured vehicle coverage; insolvent insurer protection. — 2061
3059	3059	(1) A No motor vehicle liability insurance policy that 2062
3060	3060	which provides bodily injury liability coverage may not shall be 2063
3061	3061	delivered or issued for delivery in this state with respect to 2064
3062	3062	any specifically insured or identified motor vehicle registered 2065
3063	3063	or principally garaged in this state unless uninsured motor 2066
3064	3064	vehicle coverage is provided therein or supplemental thereto for 2067
3065	3065	the protection of persons insured thereunder who are legally 2068
3066	3066	entitled to recover damages from owners or operators of 2069
3067	3067	uninsured motor vehicles because of bodily injury, sickness, or 2070
3068	3068	disease, including death, resulting therefrom. However, the 2071
3069	3069	coverage required under this section is not applicable if when, 2072
3070	3070	or to the extent that, an insured named in the policy makes a 2073
3071	3071	written rejection of the coverage on behalf of all insureds 2074
3072	3072	under the policy. If When a motor vehicle is leased for a period 2075
3073	3073
3074	3074	HB 1181 2025
3075	3075
3076	3076
3077	3077
3078	3078	CODING: Words stricken are deletions; words underlined are additions.
3079	3079	hb1181-00
3080	3080	Page 84 of 125
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	of 1 year or longer and the lessor of such vehicle, by the terms 2076
3086	3086	of the lease contract, pro vides liability coverage on the leased 2077
3087	3087	vehicle, the lessee of such vehicle has shall have the sole 2078
3088	3088	privilege to reject uninsured motorist coverage or to select 2079
3089	3089	lower limits than the bodily injury liability limits, regardless 2080
3090	3090	of whether the lessor is qualif ied as a self-insurer pursuant to 2081
3091	3091	s. 324.171. Unless an insured, or a lessee having the privilege 2082
3092	3092	of rejecting uninsured motorist coverage, requests such coverage 2083
3093	3093	or requests higher uninsured motorist limits in writing, the 2084
3094	3094	coverage or such higher uninsure d motorist limits need not be 2085
3095	3095	provided in or supplemental to any other policy that which 2086
3096	3096	renews, extends, changes, supersedes, or replaces an existing 2087
3097	3097	policy with the same bodily injury liability limits when an 2088
3098	3098	insured or lessee had rejected the coverage. When an insured or 2089
3099	3099	lessee has initially selected limits of uninsured motorist 2090
3100	3100	coverage lower than her or his bodily injury liability limits, 2091
3101	3101	higher limits of uninsured motorist coverage need not be 2092
3102	3102	provided in or supplemental to any other policy that which 2093
3103	3103	renews, extends, changes, supersedes, or replaces an existing 2094
3104	3104	policy with the same bodily injury liability limits unless an 2095
3105	3105	insured requests higher uninsured motorist coverage in writing. 2096
3106	3106	The rejection or selection of lower limits must shall be made on 2097
3107	3107	a form approved by the office. The form must shall fully advise 2098
3108	3108	the applicant of the nature of the coverage and must shall state 2099
3109	3109	that the coverage is equal to bodily injury liability limits 2100
3110	3110
3111	3111	HB 1181 2025
3112	3112
3113	3113
3114	3114
3115	3115	CODING: Words stricken are deletions; words underlined are additions.
3116	3116	hb1181-00
3117	3117	Page 85 of 125
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	unless lower limits are requested or the coverage is rejected. 2101
3123	3123	The heading of the form must shall be in 12-point bold type and 2102
3124	3124	must shall state: "You are electing not to purchase certain 2103
3125	3125	valuable coverage that which protects you and your family or you 2104
3126	3126	are purchasing uninsured motorist limits less than your bodily 2105
3127	3127	injury liability limits when you sign this form. Please read 2106
3128	3128	carefully." If this form is signed by a named insured, it will 2107
3129	3129	be conclusively presumed that there was an informed, knowing 2108
3130	3130	rejection of coverage or election of lower limits on behalf of 2109
3131	3131	all insureds. The insurer shall notify the named insured at 2110
3132	3132	least annually of her or his options as to the coverage required 2111
3133	3133	by this section. Such notice must shall be part of, and attached 2112
3134	3134	to, the notice of premium, must shall provide for a means to 2113
3135	3135	allow the insured to r equest such coverage, and must shall be 2114
3136	3136	given in a manner approved by the office. Receipt of this notice 2115
3137	3137	does not constitute an affirmative waiver of the insured's right 2116
3138	3138	to uninsured motorist coverage if where the insured has not 2117
3139	3139	signed a selection or reje ction form. The coverage described 2118
3140	3140	under this section must shall be over and above, but may shall 2119
3141	3141	not duplicate, the benefits available to an insured under any 2120
3142	3142	workers' compensation law, personal injury protection benefits, 2121
3143	3143	disability benefits law, or similar law; under any automobile 2122
3144	3144	medical payments expense coverage; under any motor vehicle 2123
3145	3145	liability insurance coverage; or from the owner or operator of 2124
3146	3146	the uninsured motor vehicle or any other person or organization 2125
3147	3147
3148	3148	HB 1181 2025
3149	3149
3150	3150
3151	3151
3152	3152	CODING: Words stricken are deletions; words underlined are additions.
3153	3153	hb1181-00
3154	3154	Page 86 of 125
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	jointly or severally liable together with such owner or operator 2126
3160	3160	for the accident,; and such coverage must shall cover the 2127
3161	3161	difference, if any, between the sum of such benefits and the 2128
3162	3162	damages sustained, up to the maximum amount of such coverage 2129
3163	3163	provided under this section. The amount of coverage available 2130
3164	3164	under this section may shall not be reduced by a setoff against 2131
3165	3165	any coverage, including liability insurance. Such coverage does 2132
3166	3166	shall not inure directly or indirectly to the benefit of any 2133
3167	3167	workers' compensation o r disability benefits carrier or any 2134
3168	3168	person or organization qualifying as a self -insurer under any 2135
3169	3169	workers' compensation or disability benefits law or similar law. 2136
3170	3170	(7) The legal liability of an uninsured motorist coverage 2137
3171	3171	insurer includes does not include damages in tort for pain, 2138
3172	3172	suffering, disability, physical impairment, disfigurement, 2139
3173	3173	mental anguish, and inconvenience, and the loss of capacity for 2140
3174	3174	the enjoyment of life experienced in the past and to be 2141
3175	3175	experienced in the future unless the injury or di sease is 2142
3176	3176	described in one or more of paragraphs (a) -(d) of s. 627.737(2) . 2143
3177	3177	Section 45. Section 627.7275, Florida Statutes, is amended 2144
3178	3178	to read: 2145
3179	3179	627.7275 Required coverages in motor vehicle insurance 2146
3180	3180	policies; availability to certain applicants liability.— 2147
3181	3181	(1) A motor vehicle insurance policy providing personal 2148
3182	3182	injury protection as set forth in s. 627.736 may not be 2149
3183	3183	delivered or issued for delivery in this state for a with 2150
3184	3184
3185	3185	HB 1181 2025
3186	3186
3187	3187
3188	3188
3189	3189	CODING: Words stricken are deletions; words underlined are additions.
3190	3190	hb1181-00
3191	3191	Page 87 of 125
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	respect to any specifically insured or identified motor vehicle 2151
3197	3197	registered or principally garaged in this state must provide 2152
3198	3198	bodily injury liability coverage and unless the policy also 2153
3199	3199	provides coverage for property damage liability coverage as 2154
3200	3200	required under ss. 324.022 and 324.151 by s. 324.022. 2155
3201	3201	(2)(a) Insurers writing motor vehic le insurance in this 2156
3202	3202	state shall make available, subject to the insurers' usual 2157
3203	3203	underwriting restrictions: 2158
3204	3204	1. Coverage under policies as described in subsection (1) 2159
3205	3205	to an applicant for private passenger motor vehicle insurance 2160
3206	3206	coverage who is seeking the coverage in order to reinstate the 2161
3207	3207	applicant's driving privileges in this state if the driving 2162
3208	3208	privileges were revoked or suspended pursuant to s. 316.646 or 2163
3209	3209	s. 324.0221 due to the failure of the applicant to maintain 2164
3210	3210	required security. 2165
3211	3211	2. Coverage under policies as described in subsection (1), 2166
3212	3212	which includes bodily injury also provides liability coverage 2167
3213	3213	and property damage liability coverage for bodily injury, death, 2168
3214	3214	and property damage arising out of the ownership, maintenance, 2169
3215	3215	or use of the motor veh icle in an amount not less than the 2170
3216	3216	minimum limits required under described in s. 324.021(7) or s. 2171
3217	3217	324.023 and which conforms to the requirements of s. 324.151, to 2172
3218	3218	an applicant for private passenger motor vehicle insurance 2173
3219	3219	coverage who is seeking the cover age in order to reinstate the 2174
3220	3220	applicant's driving privileges in this state after such 2175
3221	3221
3222	3222	HB 1181 2025
3223	3223
3224	3224
3225	3225
3226	3226	CODING: Words stricken are deletions; words underlined are additions.
3227	3227	hb1181-00
3228	3228	Page 88 of 125
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	privileges were revoked or suspended under s. 316.193 or s. 2176
3234	3234	322.26(2) for driving under the influence. 2177
3235	3235	(b) The policies described in paragraph (a) must shall be 2178
3236	3236	issued for at least 6 months. After the insurer has issued the 2179
3237	3237	policy, the insurer shall notify the Department of Highway 2180
3238	3238	Safety and Motor Vehicles that the policy is in full force and 2181
3239	3239	effect. Once the provisions of the policy become effective, the 2182
3240	3240	bodily injury liability and property damage liability coverages 2183
3241	3241	for bodily injury, property damage, and personal injury 2184
3242	3242	protection may not be reduced below the minimum limits required 2185
3243	3243	under s. 324.021 or s. 324.023 during the policy period. 2186
3244	3244	(c) This subsection controls to the extent of any conflict 2187
3245	3245	with any other section. 2188
3246	3246	(d) An insurer issuing a policy subject to this section 2189
3247	3247	may cancel the policy if, during the policy term, the named 2190
3248	3248	insured, or any other operator who resides in the same household 2191
3249	3249	or customarily operates an automobile insured under the policy, 2192
3250	3250	has his or her driver license suspended or revoked. 2193
3251	3251	(e) This subsection does not require an insurer to offer a 2194
3252	3252	policy of insurance to an applicant if such offer would be 2195
3253	3253	inconsistent with the insu rer's underwriting guidelines and 2196
3254	3254	procedures. 2197
3255	3255	Section 46. Effective upon this act becoming a law, 2198
3256	3256	section 627.7278, Florida Statutes, is created to read: 2199
3257	3257	627.7278 Applicability and construction; notice to 2200
3258	3258
3259	3259	HB 1181 2025
3260	3260
3261	3261
3262	3262
3263	3263	CODING: Words stricken are deletions; words underlined are additions.
3264	3264	hb1181-00
3265	3265	Page 89 of 125
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	policyholders.— 2201
3271	3271	(1) As used in this section , the term "minimum security 2202
3272	3272	requirements" means security that enables a person to respond in 2203
3273	3273	damages for liability on account of crashes arising out of the 2204
3274	3274	ownership, maintenance, or use of a motor vehicle, in the 2205
3275	3275	amounts required by s. 324.022. 2206
3276	3276	(2) Effective July 1, 2026: 2207
3277	3277	(a) Motor vehicle insurance policies issued or renewed on 2208
3278	3278	or after July 1, 2026, may not include personal injury 2209
3279	3279	protection. 2210
3280	3280	(b) All persons subject to s. 324.022, s. 324.032, s. 2211
3281	3281	627.7415, or s. 627.742 must maintain at least minimum security 2212
3282	3282	requirements. 2213
3283	3283	(c) An existing motor vehicle insurance policy issued 2214
3284	3284	before July 1, 2026, which provides personal injury protection 2215
3285	3285	and property damage liability coverage that meets the 2216
3286	3286	requirements of s. 324.022 on June 30, 2026, but tha t does not 2217
3287	3287	meet minimum security requirements on or after July 1, 2026, is 2218
3288	3288	deemed to meet minimum security requirements until such policy 2219
3289	3289	is renewed, nonrenewed, or canceled on or after July 1, 2026. 2220
3290	3290	Sections 400.9905, 400.991, 456.057, 456.072, 626.9541(1 )(i), 2221
3291	3291	627.7263, 627.727, 627.730 -627.7405, 627.748, and 817.234, 2222
3292	3292	Florida Statutes 2024, remain in full force and effect for motor 2223
3293	3293	vehicle accidents covered under a policy issued under the 2224
3294	3294	Florida Motor Vehicle No -Fault Law before July 1, 2026, until 2225
3295	3295
3296	3296	HB 1181 2025
3297	3297
3298	3298
3299	3299
3300	3300	CODING: Words stricken are deletions; words underlined are additions.
3301	3301	hb1181-00
3302	3302	Page 90 of 125
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	the policy is renewed, nonrenewed, or canceled on or after July 2226
3308	3308	1, 2026. 2227
3309	3309	(3) An insurer shall allow each insured who has a new or 2228
3310	3310	renewal policy providing personal injury protection which 2229
3311	3311	becomes effective before July 1, 2026, and whose policy does not 2230
3312	3312	meet minimum security requirements on or after July 1, 2026, to 2231
3313	3313	change coverages so as to eliminate personal injury protection. 2232
3314	3314	Any reduction in the premium must be refunded by the insurer. 2233
3315	3315	The insurer may not impose on the insured an additional fee or 2234
3316	3316	charge that applies solely to a change in coverage; however, the 2235
3317	3317	insurer may charge an additional required premium that is 2236
3318	3318	actuarially indicated. 2237
3319	3319	(4) By April 1, 2026, each motor vehicle insurer shall 2238
3320	3320	provide notice of this section to each motor vehicle 2239
3321	3321	policyholder who is subject to this section. The notice is 2240
3322	3322	subject to approval by the office and must clearly inform the 2241
3323	3323	policyholder that: 2242
3324	3324	(a) The Florida Motor Vehicle No -Fault Law is repealed 2243
3325	3325	effective July 1, 2026, and that on or after that date, the 2244
3326	3326	insured is no longer required to maintain personal injury 2245
3327	3327	protection insurance coverage, that personal injury protection 2246
3328	3328	coverage is no longer available for purchase in this state, and 2247
3329	3329	that new or renewal policies issued on or after that date will 2248
3330	3330	not contain that coverage. 2249
3331	3331	(b) Effective July 1, 2026, a person subject to the 2250
3332	3332
3333	3333	HB 1181 2025
3334	3334
3335	3335
3336	3336
3337	3337	CODING: Words stricken are deletions; words underlined are additions.
3338	3338	hb1181-00
3339	3339	Page 91 of 125
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	financial responsibility requirements of s. 324.022 must 2251
3345	3345	maintain minimum security requirements that enable the person to 2252
3346	3346	respond to damages for liability on account of accidents arising 2253
3347	3347	out of the use of a motor vehicle in the following amounts: 2254
3348	3348	1. Twenty-five thousand dollars for bodily injury to, or 2255
3349	3349	the death of, one person in any one crash and, subject to such 2256
3350	3350	limits for one person, in the amount of $50,000 for bodily 2257
3351	3351	injury to, or the de ath of, two or more persons in any one 2258
3352	3352	crash; and 2259
3353	3353	2. Ten thousand dollars for damage to, or destruction of, 2260
3354	3354	the property of others in any one crash. 2261
3355	3355	(c) Bodily injury liability coverage protects the insured, 2262
3356	3356	up to the coverage limits, against loss if t he insured is 2263
3357	3357	legally responsible for the death of or bodily injury to others 2264
3358	3358	in a motor vehicle crash. 2265
3359	3359	(d) The policyholder may obtain uninsured and underinsured 2266
3360	3360	motorist coverage that provides benefits, up to the limits of 2267
3361	3361	such coverage, to a policyhol der or other insured entitled to 2268
3362	3362	recover damages for bodily injury, sickness, disease, or death 2269
3363	3363	resulting from a motor vehicle crash involving an uninsured or 2270
3364	3364	underinsured owner or operator of a motor vehicle. 2271
3365	3365	(e) If the policyholder's new or renewal mot or vehicle 2272
3366	3366	insurance policy is effective before July 1, 2026, and contains 2273
3367	3367	personal injury protection and property damage liability 2274
3368	3368	coverage as required by state law before July 1, 2026, but does 2275
3369	3369
3370	3370	HB 1181 2025
3371	3371
3372	3372
3373	3373
3374	3374	CODING: Words stricken are deletions; words underlined are additions.
3375	3375	hb1181-00
3376	3376	Page 92 of 125
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	not meet minimum security requirements on or after July 1, 2 026, 2276
3382	3382	the policy is deemed to meet minimum security requirements until 2277
3383	3383	it is renewed, nonrenewed, or canceled on or after July 1, 2026. 2278
3384	3384	(f) A policyholder whose new or renewal policy becomes 2279
3385	3385	effective before July 1, 2026, but does not meet minimum 2280
3386	3386	security requirements on or after July 1, 2026, may change 2281
3387	3387	coverages under the policy so as to eliminate personal injury 2282
3388	3388	protection and to obtain coverage providing minimum security 2283
3389	3389	requirements, including bodily injury liability coverage, which 2284
3390	3390	are effective on or after July 1, 2026. 2285
3391	3391	(g) If the policyholder has any questions, he or she 2286
3392	3392	should contact the person named at the telephone number provided 2287
3393	3393	in the notice. 2288
3394	3394	Section 47. Paragraph (a) of subsection (1) of section 2289
3395	3395	627.728, Florida Statutes, is amended t o read: 2290
3396	3396	627.728 Cancellations; nonrenewals. — 2291
3397	3397	(1) As used in this section, the term: 2292
3398	3398	(a) "Policy" means the bodily injury and property damage 2293
3399	3399	liability, personal injury protection, medical payments, 2294
3400	3400	comprehensive, collision, and uninsured motorist cov erage 2295
3401	3401	portions of a policy of motor vehicle insurance delivered or 2296
3402	3402	issued for delivery in this state: 2297
3403	3403	1. Insuring a natural person as named insured or one or 2298
3404	3404	more related individuals who are residents resident of the same 2299
3405	3405	household; and 2300
3406	3406
3407	3407	HB 1181 2025
3408	3408
3409	3409
3410	3410
3411	3411	CODING: Words stricken are deletions; words underlined are additions.
3412	3412	hb1181-00
3413	3413	Page 93 of 125
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	2. Insuring only a motor vehicle of the private passenger 2301
3419	3419	type or station wagon type which is not used as a public or 2302
3420	3420	livery conveyance for passengers or rented to others; or 2303
3421	3421	insuring any other four -wheel motor vehicle having a load 2304
3422	3422	capacity of 1,500 pounds or less which is not used in the 2305
3423	3423	occupation, profession, or business of the insured other than 2306
3424	3424	farming; other than any policy issued under an automobile 2307
3425	3425	insurance assigned risk plan or covering garage, automobile 2308
3426	3426	sales agency, repair shop, service station, or public pa rking 2309
3427	3427	place operation hazards. 2310
3428	3428	2311
3429	3429	The term "policy" does not include a binder as defined in s. 2312
3430	3430	627.420 unless the duration of the binder period exceeds 60 2313
3431	3431	days. 2314
3432	3432	Section 48. Subsection (1), paragraph (a) of subsection 2315
3433	3433	(5), and subsections (6) and (7) of s ection 627.7295, Florida 2316
3434	3434	Statutes, are amended to read: 2317
3435	3435	627.7295 Motor vehicle insurance contracts. — 2318
3436	3436	(1) As used in this section, the term: 2319
3437	3437	(a) "Policy" means a motor vehicle insurance policy that 2320
3438	3438	provides bodily injury liability personal injury prot ection 2321
3439	3439	coverage and, property damage liability coverage , or both. 2322
3440	3440	(b) "Binder" means a binder that provides motor vehicle 2323
3441	3441	bodily injury liability coverage personal injury protection and 2324
3442	3442	property damage liability coverage. 2325
3443	3443
3444	3444	HB 1181 2025
3445	3445
3446	3446
3447	3447
3448	3448	CODING: Words stricken are deletions; words underlined are additions.
3449	3449	hb1181-00
3450	3450	Page 94 of 125
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	(5)(a) A licensed general line s agent may charge a per -2326
3456	3456	policy fee of up to not to exceed $10 to cover the 2327
3457	3457	administrative costs of the agent associated with selling the 2328
3458	3458	motor vehicle insurance policy if the policy provides covers 2329
3459	3459	only bodily injury liability coverage personal injury protection 2330
3460	3460	coverage as provided by s. 627.736 and property damage liability 2331
3461	3461	coverage under as provided by s. 627.7275 and if no other 2332
3462	3462	insurance is sold or issued in conjunction with or collateral to 2333
3463	3463	the policy. The fee is not considered part of the premium. 2334
3464	3464	(6) If a motor vehicle owner's driver license, license 2335
3465	3465	plate, and registration have previously been suspended pursuant 2336
3466	3466	to s. 316.646 or s. 627.733, an insurer may cancel a new policy 2337
3467	3467	only as provided in s. 627.7275. 2338
3468	3468	(7) A policy of private passenger motor vehicle insurance 2339
3469	3469	or a binder for such a policy may be initially issued in this 2340
3470	3470	state only if, before the effective date of such binder or 2341
3471	3471	policy, the insurer or agent has collected from the insured an 2342
3472	3472	amount equal to at least 1 month's premium. An insurer, agent, 2343
3473	3473	or premium finance company may not, directly or indirectly, take 2344
3474	3474	any action will result resulting in the insured paying having 2345
3475	3475	paid from the insured's own funds an amount less than the 1 2346
3476	3476	month's premium required by this subsection. This subsection 2347
3477	3477	applies regardless of without regard to whether the premium is 2348
3478	3478	financed by a premium finance company or is paid pursuant to a 2349
3479	3479	periodic payment plan of an insurer or an insurance agent. 2350
3480	3480
3481	3481	HB 1181 2025
3482	3482
3483	3483
3484	3484
3485	3485	CODING: Words stricken are deletions; words underlined are additions.
3486	3486	hb1181-00
3487	3487	Page 95 of 125
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	(a) This subsection does no t apply: 2351
3493	3493	1. If an insured or member of the insured's family is 2352
3494	3494	renewing or replacing a policy or a binder for such policy 2353
3495	3495	written by the same insurer or a member of the same insurer 2354
3496	3496	group. This subsection does not apply 2355
3497	3497	2. To an insurer that issues pri vate passenger motor 2356
3498	3498	vehicle coverage primarily to active duty or former military 2357
3499	3499	personnel or their dependents. This subsection does not apply 2358
3500	3500	3. If all policy payments are paid pursuant to a payroll 2359
3501	3501	deduction plan, an automatic electronic funds transfe r payment 2360
3502	3502	plan from the policyholder, or a recurring credit card or debit 2361
3503	3503	card agreement with the insurer. 2362
3504	3504	(b) This subsection and subsection (4) do not apply if : 2363
3505	3505	1. All policy payments to an insurer are paid pursuant to 2364
3506	3506	an automatic electronic funds t ransfer payment plan from an 2365
3507	3507	agent, a managing general agent, or a premium finance company 2366
3508	3508	and if the policy includes, at a minimum, bodily injury 2367
3509	3509	liability coverage and personal injury protection pursuant to 2368
3510	3510	ss. 627.730-627.7405; motor vehicle property damage liability 2369
3511	3511	coverage under pursuant to s. 627.7275; or and bodily injury 2370
3512	3512	liability in at least the amount of $10,000 because of bodily 2371
3513	3513	injury to, or death of, one person in any one accident and in 2372
3514	3514	the amount of $20,000 because of bodily injury to, or de ath of, 2373
3515	3515	two or more persons in any one accident. This subsection and 2374
3516	3516	subsection (4) do not apply if 2375
3517	3517
3518	3518	HB 1181 2025
3519	3519
3520	3520
3521	3521
3522	3522	CODING: Words stricken are deletions; words underlined are additions.
3523	3523	hb1181-00
3524	3524	Page 96 of 125
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	2. An insured has had a policy in effect for at least 6 2376
3530	3530	months, the insured's agent is terminated by the insurer that 2377
3531	3531	issued the policy, and the insured o btains coverage on the 2378
3532	3532	policy's renewal date with a new company through the terminated 2379
3533	3533	agent. 2380
3534	3534	Section 49. Section 627.7415, Florida Statutes, is amended 2381
3535	3535	to read: 2382
3536	3536	627.7415 Commercial motor vehicles; additional liability 2383
3537	3537	insurance coverage.—Beginning July 1, 2026, commercial motor 2384
3538	3538	vehicles, as defined in s. 207.002 or s. 320.01, operated upon 2385
3539	3539	the roads and highways of this state must shall be insured with 2386
3540	3540	the following minimum levels of combined bodily liability 2387
3541	3541	insurance and property damage liability i nsurance in addition to 2388
3542	3542	any other insurance requirements: 2389
3543	3543	(1) Sixty Fifty thousand dollars per occurrence for a 2390
3544	3544	commercial motor vehicle with a gross vehicle weight of 26,000 2391
3545	3545	pounds or more, but less than 35,000 pounds. 2392
3546	3546	(2) One hundred twenty thousand dollars per occurrence for 2393
3547	3547	a commercial motor vehicle with a gross vehicle weight of 35,000 2394
3548	3548	pounds or more, but less than 44,000 pounds. 2395
3549	3549	(3) Three hundred thousand dollars per occurrence for a 2396
3550	3550	commercial motor vehicle with a gross vehicle weight of 44,00 0 2397
3551	3551	pounds or more. 2398
3552	3552	(4) All commercial motor vehicles subject to regulations 2399
3553	3553	of the United States Department of Transportation, 49 C.F.R. 2400
3554	3554
3555	3555	HB 1181 2025
3556	3556
3557	3557
3558	3558
3559	3559	CODING: Words stricken are deletions; words underlined are additions.
3560	3560	hb1181-00
3561	3561	Page 97 of 125
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	part 387, subparts A and B, and as may be hereinafter amended, 2401
3567	3567	shall be insured in an amount equivalent to the minimum levels 2402
3568	3568	of financial responsibility as set forth in such regulations. 2403
3569	3569	2404
3570	3570	A violation of this section is a noncriminal traffic infraction, 2405
3571	3571	punishable as a nonmoving violation as provided in chapter 318. 2406
3572	3572	Section 50. Subsections (1) and (3) of section 627.7 47, 2407
3573	3573	Florida Statutes, are amended to read: 2408
3574	3574	627.747 Named driver exclusion. — 2409
3575	3575	(1) A private passenger motor vehicle policy may exclude 2410
3576	3576	the following coverages for all claims or suits resulting from 2411
3577	3577	the operation of a motor vehicle by an identified indivi dual who 2412
3578	3578	is not a named insured, provided the identified individual is 2413
3579	3579	named on the declarations page or by endorsement and the named 2414
3580	3580	insured consents in writing to such exclusion: 2415
3581	3581	(a) Notwithstanding the Florida Motor Vehicle No -Fault 2416
3582	3582	Law, the personal injury protection coverage specifically 2417
3583	3583	applicable to the identified individual's injuries, lost wages, 2418
3584	3584	and death benefits. 2419
3585	3585	(b) Property damage liability coverage. 2420
3586	3586	(b)(c) Bodily injury liability coverage , if required by 2421
3587	3587	law and purchased by the named i nsured. 2422
3588	3588	(c)(d) Uninsured motorist coverage for any damages 2423
3589	3589	sustained by the identified excluded individual, if the named 2424
3590	3590	insured has purchased such coverage. 2425
3591	3591
3592	3592	HB 1181 2025
3593	3593
3594	3594
3595	3595
3596	3596	CODING: Words stricken are deletions; words underlined are additions.
3597	3597	hb1181-00
3598	3598	Page 98 of 125
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	(d)(e) Any coverage the named insured is not required by 2426
3604	3604	law to purchase. 2427
3605	3605	(3) A driver excluded pursuant to this section must : 2428
3606	3606	(a) establish, maintain, and show proof of financial 2429
3607	3607	ability to respond for damages arising out of the ownership, 2430
3608	3608	maintenance, or use of a motor vehicle as required by chapter 2431
3609	3609	324; and 2432
3610	3610	(b) Maintain security as required by s. 627.733 . 2433
3611	3611	Section 51. Paragraphs (b), (c), and (g) of subsection 2434
3612	3612	(7), paragraphs (a) and (b) of subsection (8), and paragraph (b) 2435
3613	3613	of subsection (16) of section 627.748, Florida Statutes, are 2436
3614	3614	amended to read: 2437
3615	3615	627.748 Transportation netwo rk companies.— 2438
3616	3616	(7) TRANSPORTATION NETWORK COMPANY AND TNC DRIVER 2439
3617	3617	INSURANCE REQUIREMENTS. — 2440
3618	3618	(b) The following automobile insurance requirements apply 2441
3619	3619	while a participating TNC driver is logged on to the digital 2442
3620	3620	network but is not engaged in a prearranged ride: 2443
3621	3621	1. Automobile insurance that provides: 2444
3622	3622	a. A primary automobile liability coverage of at least 2445
3623	3623	$50,000 for death and bodily injury per person, $100,000 for 2446
3624	3624	death and bodily injury per incident, and $25,000 for property 2447
3625	3625	damage; and 2448
3626	3626	b. Personal injury protection benefits that meet the 2449
3627	3627	minimum coverage amounts required under ss. 627.730 -627.7405; 2450
3628	3628
3629	3629	HB 1181 2025
3630	3630
3631	3631
3632	3632
3633	3633	CODING: Words stricken are deletions; words underlined are additions.
3634	3634	hb1181-00
3635	3635	Page 99 of 125
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	and 2451
3641	3641	c. Uninsured and underinsured vehicle coverage as required 2452
3642	3642	by s. 627.727. 2453
3643	3643	2. The coverage requirements of this paragraph may be 2454
3644	3644	satisfied by any of the following: 2455
3645	3645	a. Automobile insurance maintained by the TNC driver or 2456
3646	3646	the TNC vehicle owner; 2457
3647	3647	b. Automobile insurance maintained by the TNC; or 2458
3648	3648	c. A combination of sub -subparagraphs a. and b. 2459
3649	3649	(c) The following automobile insurance requirements ap ply 2460
3650	3650	while a TNC driver is engaged in a prearranged ride: 2461
3651	3651	1. Automobile insurance that provides: 2462
3652	3652	a. A primary automobile liability coverage of at least $1 2463
3653	3653	million for death, bodily injury, and property damage; and 2464
3654	3654	b. Personal injury protection benefit s that meet the 2465
3655	3655	minimum coverage amounts required of a limousine under ss. 2466
3656	3656	627.730-627.7405; and 2467
3657	3657	c. Uninsured and underinsured vehicle coverage as required 2468
3658	3658	by s. 627.727. 2469
3659	3659	2. The coverage requirements of this paragraph may be 2470
3660	3660	satisfied by any of the fol lowing: 2471
3661	3661	a. Automobile insurance maintained by the TNC driver or 2472
3662	3662	the TNC vehicle owner; 2473
3663	3663	b. Automobile insurance maintained by the TNC; or 2474
3664	3664	c. A combination of sub -subparagraphs a. and b. 2475
3665	3665
3666	3666	HB 1181 2025
3667	3667
3668	3668
3669	3669
3670	3670	CODING: Words stricken are deletions; words underlined are additions.
3671	3671	hb1181-00
3672	3672	Page 100 of 125
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	(g) Insurance satisfying the requirements under this 2476
3678	3678	subsection is deemed to satisfy the financial responsibility 2477
3679	3679	requirement for a motor vehicle under chapter 324 and the 2478
3680	3680	security required under s. 627.733 for any period when the TNC 2479
3681	3681	driver is logged onto the digital network or engaged in a 2480
3682	3682	prearranged ride. 2481
3683	3683	(8) TRANSPORTATION NETWORK COMPANY AND INSURER; 2482
3684	3684	DISCLOSURE; EXCLUSIONS. — 2483
3685	3685	(a) Before a TNC driver is allowed to accept a request for 2484
3686	3686	a prearranged ride on the digital network, the TNC must disclose 2485
3687	3687	in writing to the TNC driver: 2486
3688	3688	1. The insurance coverage, incl uding the types of coverage 2487
3689	3689	and the limits for each coverage, which the TNC provides while 2488
3690	3690	the TNC driver uses a TNC vehicle in connection with the TNC's 2489
3691	3691	digital network. 2490
3692	3692	2. That the TNC driver's own automobile insurance policy 2491
3693	3693	might not provide any cove rage while the TNC driver is logged on 2492
3694	3694	to the digital network or is engaged in a prearranged ride, 2493
3695	3695	depending on the terms of the TNC driver's own automobile 2494
3696	3696	insurance policy. 2495
3697	3697	3. That the provision of rides for compensation which are 2496
3698	3698	not prearranged rides subjects the driver to the coverage 2497
3699	3699	requirements imposed under s. 324.032(1) and (2) and that 2498
3700	3700	failure to meet such coverage requirements subjects the TNC 2499
3701	3701	driver to penalties provided in s. 324.221, up to and including 2500
3702	3702
3703	3703	HB 1181 2025
3704	3704
3705	3705
3706	3706
3707	3707	CODING: Words stricken are deletions; words underlined are additions.
3708	3708	hb1181-00
3709	3709	Page 101 of 125
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	a misdemeanor of the second degree. 2501
3715	3715	(b)1. An insurer that provides an automobile liability 2502
3716	3716	insurance policy under this part may exclude any and all 2503
3717	3717	coverage afforded under the policy issued to an owner or 2504
3718	3718	operator of a TNC vehicle while driving that vehicle for any 2505
3719	3719	loss or injury that occur s while a TNC driver is logged on to a 2506
3720	3720	digital network or while a TNC driver provides a prearranged 2507
3721	3721	ride. Exclusions imposed under this subsection are limited to 2508
3722	3722	coverage while a TNC driver is logged on to a digital network or 2509
3723	3723	while a TNC driver provides a prearranged ride. This right to 2510
3724	3724	exclude all coverage may apply to any coverage included in an 2511
3725	3725	automobile insurance policy, including, but not limited to: 2512
3726	3726	a. Liability coverage for bodily injury and property 2513
3727	3727	damage; 2514
3728	3728	b. Uninsured and underinsured motori st coverage; 2515
3729	3729	c. Medical payments coverage; 2516
3730	3730	d. Comprehensive physical damage coverage; and 2517
3731	3731	e. Collision physical damage coverage ; and 2518
3732	3732	f. Personal injury protection . 2519
3733	3733	2. The exclusions described in subparagraph 1. apply 2520
3734	3734	notwithstanding any requirement under chapter 324. These 2521
3735	3735	exclusions do not affect or diminish coverage otherwise 2522
3736	3736	available for permissive drivers or resident relatives under the 2523
3737	3737	personal automobile insu rance policy of the TNC driver or owner 2524
3738	3738	of the TNC vehicle who are not occupying the TNC vehicle at the 2525
3739	3739
3740	3740	HB 1181 2025
3741	3741
3742	3742
3743	3743
3744	3744	CODING: Words stricken are deletions; words underlined are additions.
3745	3745	hb1181-00
3746	3746	Page 102 of 125
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	time of loss. This section does not require that a personal 2526
3752	3752	automobile insurance policy provide coverage while the TNC 2527
3753	3753	driver is logged on to a digital network, while the TNC driver 2528
3754	3754	is engaged in a prearranged ride, or while the TNC driver 2529
3755	3755	otherwise uses a vehicle to transport riders for compensation. 2530
3756	3756	3. This section must not be construed to require an 2531
3757	3757	insurer to use any particular policy language or re ference to 2532
3758	3758	this section in order to exclude any and all coverage for any 2533
3759	3759	loss or injury that occurs while a TNC driver is logged on to a 2534
3760	3760	digital network or while a TNC driver provides a prearranged 2535
3761	3761	ride. 2536
3762	3762	4. This section does not preclude an insurer from 2537
3763	3763	providing primary or excess coverage for the TNC driver's 2538
3764	3764	vehicle by contract or endorsement. 2539
3765	3765	(16) LUXURY GROUND TRANSPORTATION NETWORK COMPANIES. — 2540
3766	3766	(b) An entity may elect, upon written notification to the 2541
3767	3767	department, to be regulated as a luxury ground TNC. A luxury 2542
3768	3768	ground TNC must: 2543
3769	3769	1. Comply with all of the requirements of this section 2544
3770	3770	applicable to a TNC, including subsection (17), which do not 2545
3771	3771	conflict with subparagraph 2. or which do not prohibit the 2546
3772	3772	company from connecting riders to drivers who o perate for-hire 2547
3773	3773	vehicles as defined in s. 320.01(15), including limousines and 2548
3774	3774	luxury sedans and excluding taxicabs. 2549
3775	3775	2. Maintain insurance coverage as required by subsection 2550
3776	3776
3777	3777	HB 1181 2025
3778	3778
3779	3779
3780	3780
3781	3781	CODING: Words stricken are deletions; words underlined are additions.
3782	3782	hb1181-00
3783	3783	Page 103 of 125
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	(7). However, if a prospective luxury ground TNC satisfies 2551
3789	3789	minimum financial res ponsibility through compliance with s. 2552
3790	3790	324.032(3) s. 324.032(2) by using self-insurance when it gives 2553
3791	3791	the department written notification of its election to be 2554
3792	3792	regulated as a luxury ground TNC, the luxury ground TNC may use 2555
3793	3793	self-insurance to meet the insur ance requirements of subsection 2556
3794	3794	(7), so long as such self -insurance complies with s. 324.032(3) 2557
3795	3795	s. 324.032(2) and provides the limits of liability required by 2558
3796	3796	subsection (7). 2559
3797	3797	Section 52. Subsection (2) and paragraphs (a) and (c) of 2560
3798	3798	subsection (3) of se ction 627.7483, Florida Statutes, are 2561
3799	3799	amended to read: 2562
3800	3800	627.7483 Peer-to-peer car sharing; insurance 2563
3801	3801	requirements.— 2564
3802	3802	(2) INSURANCE COVERAGE REQUIREMENTS. — 2565
3803	3803	(a)1. A peer-to-peer car-sharing program shall ensure 2566
3804	3804	that, during each car -sharing period, the s hared vehicle owner 2567
3805	3805	and the shared vehicle driver are insured under a motor vehicle 2568
3806	3806	insurance policy that provides all of the following: 2569
3807	3807	a. Property damage liability coverage and bodily injury 2570
3808	3808	liability coverage that meet or exceed meets the minimum 2571
3809	3809	coverage amounts required under s. 324.022. 2572
3810	3810	b. Bodily injury liability coverage limits as described in 2573
3811	3811	s. 324.021(7)(a) and (b). 2574
3812	3812	c. Personal injury protection benefits that meet the 2575
3813	3813
3814	3814	HB 1181 2025
3815	3815
3816	3816
3817	3817
3818	3818	CODING: Words stricken are deletions; words underlined are additions.
3819	3819	hb1181-00
3820	3820	Page 104 of 125
3821	3821	F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
3822	3822
3823	3823
3824	3824
3825	3825	minimum coverage amounts required under s. 627.736. 2576
3826	3826	d. Uninsured and underinsured vehicle coverage as required 2577
3827	3827	under s. 627.727. 2578
3828	3828	2. The peer-to-peer car-sharing program shall also ensure 2579
3829	3829	that the motor vehicle insurance policy under subparagraph 1.: 2580
3830	3830	a. Recognizes that the shared vehicle insured under the 2581
3831	3831	policy is made available and used through a peer -to-peer car-2582
3832	3832	sharing program; or 2583
3833	3833	b. Does not exclude the use of a shared vehicle by a 2584
3834	3834	shared vehicle driver. 2585
3835	3835	(b)1. The insurance described under paragraph (a) may be 2586
3836	3836	satisfied by a motor vehicle insurance policy maintained by: 2587
3837	3837	a. A shared vehicle owner; 2588
3838	3838	b. A shared vehicle driver; 2589
3839	3839	c. A peer-to-peer car-sharing program; or 2590
3840	3840	d. A combination of a shared vehicle owner, a shared 2591
3841	3841	vehicle driver, and a peer -to-peer car-sharing program. 2592
3842	3842	2. The insurance policy maintained in subparagraph 1. 2593
3843	3843	which satisfies the insurance requirements under paragraph (a) 2594
3844	3844	is primary during each car -sharing period. If a claim occurs 2595
3845	3845	during the car-sharing period in another state with minimum 2596
3846	3846	financial responsibility limits higher than those lim its 2597
3847	3847	required under chapter 324, the coverage maintained under 2598
3848	3848	paragraph (a) satisfies the difference in minimum coverage 2599
3849	3849	amounts up to the applicable policy limits. 2600
3850	3850
3851	3851	HB 1181 2025
3852	3852
3853	3853
3854	3854
3855	3855	CODING: Words stricken are deletions; words underlined are additions.
3856	3856	hb1181-00
3857	3857	Page 105 of 125
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	3.a. If the insurance maintained by a shared vehicle owner 2601
3863	3863	or shared vehicle driver in ac cordance with subparagraph 1. has 2602
3864	3864	lapsed or does not provide the coverage required under paragraph 2603
3865	3865	(a), the insurance maintained by the peer -to-peer car-sharing 2604
3866	3866	program must provide the coverage required under paragraph (a), 2605
3867	3867	beginning with the first dollar of a claim, and must defend such 2606
3868	3868	claim, except under circumstances as set forth in subparagraph 2607
3869	3869	(3)(a)2. 2608
3870	3870	b. Coverage under a motor vehicle insurance policy 2609
3871	3871	maintained by the peer -to-peer car-sharing program must not be 2610
3872	3872	dependent on another motor vehicle insurer first denying a 2611
3873	3873	claim, and another motor vehicle insurance policy is not 2612
3874	3874	required to first deny a claim. 2613
3875	3875	c. Notwithstanding any other law, statute, rule, or 2614
3876	3876	regulation to the contrary, a peer -to-peer car-sharing program 2615
3877	3877	has an insurable interest in a shared vehicle during the car -2616
3878	3878	sharing period. This sub -subparagraph does not create liability 2617
3879	3879	for a peer-to-peer car-sharing program for maintaining the 2618
3880	3880	coverage required under paragraph (a) and under this paragraph, 2619
3881	3881	if applicable. 2620
3882	3882	d. A peer-to-peer car-sharing program may own and maintain 2621
3883	3883	as the named insured one or more policies of motor vehicle 2622
3884	3884	insurance which provide coverage for: 2623
3885	3885	(I) Liabilities assumed by the peer -to-peer car-sharing 2624
3886	3886	program under a peer –to–peer car-sharing program agreement ; 2625
3887	3887
3888	3888	HB 1181 2025
3889	3889
3890	3890
3891	3891
3892	3892	CODING: Words stricken are deletions; words underlined are additions.
3893	3893	hb1181-00
3894	3894	Page 106 of 125
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	(II) Liability of the shared vehicle owner; 2626
3900	3900	(III) Liability of the shared vehicle driver; 2627
3901	3901	(IV) Damage or loss to the shared motor vehicle; or 2628
3902	3902	(V) Damage, loss, or injury to persons or property to 2629
3903	3903	satisfy the personal injury protection and uninsured and 2630
3904	3904	underinsured motorist coverage requirements of this section. 2631
3905	3905	e. Insurance required under paragraph (a), when maintained 2632
3906	3906	by a peer-to-peer car-sharing program, may be provided by an 2633
3907	3907	insurer authorized to do business in this state which is a 2634
3908	3908	member of the Florida Insurance Guaranty Association or an 2635
3909	3909	eligible surplus lines insurer that has a superior, excellent, 2636
3910	3910	exceptional, or equivalent financial strength rating by a rating 2637
3911	3911	agency acceptable to the office. A peer -to-peer car-sharing 2638
3912	3912	program is not transacting in insurance when it maintains the 2639
3913	3913	insurance required under this section. 2640
3914	3914	(3) LIABILITIES AND INSURANCE EXCLUSIONS. — 2641
3915	3915	(a) Liability.— 2642
3916	3916	1. A peer-to-peer car-sharing program shall assume 2643
3917	3917	liability, except as provided in subparagraph 2., of a shared 2644
3918	3918	vehicle owner for bodily injury or property damage to third 2645
3919	3919	parties or uninsured and underinsured motorist or personal 2646
3920	3920	injury protection losses during the car -sharing period in an 2647
3921	3921	amount stated in the peer -to-peer car-sharing program agreement, 2648
3922	3922	which amount may not be less than those set forth in ss. 324.022 2649
3923	3923	and 627.727 ss. 324.021(7)(a) and (b), 324.022, 627.727, and 2650
3924	3924
3925	3925	HB 1181 2025
3926	3926
3927	3927
3928	3928
3929	3929	CODING: Words stricken are deletions; words underlined are additions.
3930	3930	hb1181-00
3931	3931	Page 107 of 125
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	627.736, respectively. 2651
3937	3937	2. The assumption of liability under subparagraph 1. does 2652
3938	3938	not apply if a shared vehicle owner: 2653
3939	3939	a. Makes an intentional or fraudulent material 2654
3940	3940	misrepresentation or omission to the peer -to-peer car-sharing 2655
3941	3941	program before the car -sharing period in which the loss occurs; 2656
3942	3942	or 2657
3943	3943	b. Acts in concert with a shared vehicle driver who fails 2658
3944	3944	to return the shared vehicle pur suant to the terms of the peer -2659
3945	3945	to-peer car-sharing program agreement. 2660
3946	3946	3. The insurer, insurers, or peer -to-peer car-sharing 2661
3947	3947	program providing coverage under paragraph (2)(a) shall assume 2662
3948	3948	primary liability for a claim when: 2663
3949	3949	a. A dispute exists over who was in control of the shared 2664
3950	3950	motor vehicle at the time of the loss, and the peer -to-peer car-2665
3951	3951	sharing program does not have available, did not retain, or 2666
3952	3952	fails to provide the information required under subsection (5); 2667
3953	3953	or 2668
3954	3954	b. A dispute exists over whether t he shared vehicle was 2669
3955	3955	returned to the alternatively agreed -upon location as required 2670
3956	3956	under subparagraph (1)(d)2. 2671
3957	3957	(c) Exclusions in motor vehicle insurance policies. —An 2672
3958	3958	authorized insurer that writes motor vehicle liability insurance 2673
3959	3959	in this state may exc lude any coverage and the duty to defend or 2674
3960	3960	indemnify for any claim under a shared vehicle owner's motor 2675
3961	3961
3962	3962	HB 1181 2025
3963	3963
3964	3964
3965	3965
3966	3966	CODING: Words stricken are deletions; words underlined are additions.
3967	3967	hb1181-00
3968	3968	Page 108 of 125
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	vehicle insurance policy, including, but not limited to: 2676
3974	3974	1. Liability coverage for bodily injury and property 2677
3975	3975	damage; 2678
3976	3976	2. Personal injury protection coverage; 2679
3977	3977	3. Uninsured and underinsured motorist coverage; 2680
3978	3978	3.4. Medical payments coverage; 2681
3979	3979	4.5. Comprehensive physical damage coverage; and 2682
3980	3980	5.6. Collision physical damage coverage. 2683
3981	3981	2684
3982	3982	This paragraph does not invalidate or limit any exclusion 2685
3983	3983	contained in a motor vehicle insurance policy, including any 2686
3984	3984	insurance policy in use or approved for use which excludes 2687
3985	3985	coverage for motor vehicles made available for rent, sharing, or 2688
3986	3986	hire or for any business use. This paragraph does not 2689
3987	3987	invalidate, limit, or restrict an insurer's ability under 2690
3988	3988	existing law to underwrite, cancel, or nonrenew any insurance 2691
3989	3989	policy. 2692
3990	3990	Section 53. Paragraph (a) of subsection (2) of section 2693
3991	3991	627.749, Florida Statutes, is amended to read: 2694
3992	3992	627.749 Autonomous vehicles; insuranc e requirements.— 2695
3993	3993	(2) INSURANCE REQUIREMENTS. — 2696
3994	3994	(a) A fully autonomous vehicle with the automated driving 2697
3995	3995	system engaged while logged on to an on -demand autonomous 2698
3996	3996	vehicle network or engaged in a prearranged ride must be covered 2699
3997	3997	by a policy of automobile insurance which provides: 2700
3998	3998
3999	3999	HB 1181 2025
4000	4000
4001	4001
4002	4002
4003	4003	CODING: Words stricken are deletions; words underlined are additions.
4004	4004	hb1181-00
4005	4005	Page 109 of 125
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	1. Primary liability coverage of at least $1 million for 2701
4011	4011	death, bodily injury, and property damage. 2702
4012	4012	2. Personal injury protection benefits that meet the 2703
4013	4013	minimum coverage amounts required under ss. 627.730 -627.7405. 2704
4014	4014	3. Uninsured and underinsured vehicle coverage as required 2705
4015	4015	by s. 627.727. 2706
4016	4016	Section 54. Section 627.8405, Florida Statutes, is amended 2707
4017	4017	to read: 2708
4018	4018	627.8405 Prohibited acts; financing companies. —A No 2709
4019	4019	premium finance company shall, in a premium finance agreement or 2710
4020	4020	other agreement, may not finance the cost of or otherwise 2711
4021	4021	provide for the collection or remittance of dues, assessments, 2712
4022	4022	fees, or other periodic payments of money for the cost of: 2713
4023	4023	(1) A membership in an automobile club. The term 2714
4024	4024	"automobile club" means a legal entity that which, in 2715
4025	4025	consideration of dues, assessments, or periodic payments of 2716
4026	4026	money, promises its members or subscribers to assist them in 2717
4027	4027	matters relating to the ownership, operation, use, or 2718
4028	4028	maintenance of a motor vehicle; however, the term this 2719
4029	4029	definition of "automobile club" does not include persons, 2720
4030	4030	associations, or corporations which are organized and operated 2721
4031	4031	solely for the purpose of conducting, sponsoring, or sanctioning 2722
4032	4032	motor vehicle races, exhibitions, or contests upon racetracks, 2723
4033	4033	or upon racecourses established and marked as such for the 2724
4034	4034	duration of such particular events. As used in this subsection, 2725
4035	4035
4036	4036	HB 1181 2025
4037	4037
4038	4038
4039	4039
4040	4040	CODING: Words stricken are deletions; words underlined are additions.
4041	4041	hb1181-00
4042	4042	Page 110 of 125
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	the term words "motor vehicle" has used herein have the same 2726
4048	4048	meaning as defined in chapter 320. 2727
4049	4049	(2) An accidental death and dismemberm ent policy sold in 2728
4050	4050	combination with a policy providing only bodily injury liability 2729
4051	4051	coverage personal injury protection and property damage 2730
4052	4052	liability coverage only policy. 2731
4053	4053	(3) Any product not regulated under the provisions of this 2732
4054	4054	insurance code. 2733
4055	4055	2734
4056	4056	This section also applies to premium financing by any insurance 2735
4057	4057	agent or insurance company under part XVI. The commission shall 2736
4058	4058	adopt rules to assure disclosure, at the time of sale, of 2737
4059	4059	coverages financed with personal injury protection and shall 2738
4060	4060	prescribe the form of such disclosure. 2739
4061	4061	Section 55. Subsection (1) of section 627.915, Florida 2740
4062	4062	Statutes, is amended to read: 2741
4063	4063	627.915 Insurer experience reporting. — 2742
4064	4064	(1) Each insurer transacting private passenger motor 2743
4065	4065	vehicle automobile insurance in this state shal l report certain 2744
4066	4066	information annually to the office. The information will be due 2745
4067	4067	on or before July 1 of each year. The information must shall be 2746
4068	4068	divided into the following categories: bodily injury liability; 2747
4069	4069	property damage liability; uninsured motorist; personal injury 2748
4070	4070	protection benefits; medical payments; and comprehensive and 2749
4071	4071	collision. The information given must shall be on direct 2750
4072	4072
4073	4073	HB 1181 2025
4074	4074
4075	4075
4076	4076
4077	4077	CODING: Words stricken are deletions; words underlined are additions.
4078	4078	hb1181-00
4079	4079	Page 111 of 125
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	insurance writings in the state alone and shall represent total 2751
4085	4085	limits data. The information set forth in paragraphs (a) -(f) is 2752
4086	4086	applicable to voluntary private passenger and Joint Underwriting 2753
4087	4087	Association private passenger writings and must shall be 2754
4088	4088	reported for each of the latest 3 calendar -accident years, with 2755
4089	4089	an evaluation date of March 31 of the current year. The 2756
4090	4090	information set forth in paragraphs (g) -(j) is applicable to 2757
4091	4091	voluntary private passenger writings and must shall be reported 2758
4092	4092	on a calendar-accident year basis ultimately seven times at 2759
4093	4093	seven different stages of development. 2760
4094	4094	(a) Premiums earned for the latest 3 c alendar-accident 2761
4095	4095	years. 2762
4096	4096	(b) Loss development factors and the historic development 2763
4097	4097	of those factors. 2764
4098	4098	(c) Policyholder dividends incurred. 2765
4099	4099	(d) Expenses for other acquisition and general expense. 2766
4100	4100	(e) Expenses for agents' commissions and taxes, license s, 2767
4101	4101	and fees. 2768
4102	4102	(f) Profit and contingency factors as utilized in the 2769
4103	4103	insurer's automobile rate filings for the applicable years. 2770
4104	4104	(g) Losses paid. 2771
4105	4105	(h) Losses unpaid. 2772
4106	4106	(i) Loss adjustment expenses paid. 2773
4107	4107	(j) Loss adjustment expenses unpaid. 2774
4108	4108	Section 56. Subsections (2) and (3) of section 628.909, 2775
4109	4109
4110	4110	HB 1181 2025
4111	4111
4112	4112
4113	4113
4114	4114	CODING: Words stricken are deletions; words underlined are additions.
4115	4115	hb1181-00
4116	4116	Page 112 of 125
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	Florida Statutes, are amended to read: 2776
4122	4122	628.909 Applicability of other laws. — 2777
4123	4123	(2) The following provisions of the Florida Insurance Code 2778
4124	4124	apply to captive insurance companies that who are not industrial 2779
4125	4125	insured captive insurance companies to the extent that such 2780
4126	4126	provisions are not inconsistent with this part: 2781
4127	4127	(a) Chapter 624, except for ss. 624.407, 624.408, 2782
4128	4128	624.4085, 624.40851, 624.4095, 624.411, 624.425, and 624.426. 2783
4129	4129	(b) Chapter 625, part II. 2784
4130	4130	(c) Chapter 626, part IX. 2785
4131	4131	(d) Sections 627.730-627.7405, when no-fault coverage is 2786
4132	4132	provided. 2787
4133	4133	(e) Chapter 628. 2788
4134	4134	(3) The following provisions of the Florida Insurance Code 2789
4135	4135	shall apply to industrial insured captive insurance companies to 2790
4136	4136	the extent that such provisions are not inconsistent with this 2791
4137	4137	part: 2792
4138	4138	(a) Chapter 624, except for ss. 624.407, 624.408, 2793
4139	4139	624.4085, 624.40851, 624.4095, 624.411, 624.425, 624.426, and 2794
4140	4140	624.609(1). 2795
4141	4141	(b) Chapter 625, part II, if the industrial insured 2796
4142	4142	captive insurance com pany is incorporated in this state. 2797
4143	4143	(c) Chapter 626, part IX. 2798
4144	4144	(d) Sections 627.730-627.7405 when no-fault coverage is 2799
4145	4145	provided. 2800
4146	4146
4147	4147	HB 1181 2025
4148	4148
4149	4149
4150	4150
4151	4151	CODING: Words stricken are deletions; words underlined are additions.
4152	4152	hb1181-00
4153	4153	Page 113 of 125
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	(e) Chapter 628, except for ss. 628.341, 628.351, and 2801
4159	4159	628.6018. 2802
4160	4160	Section 57. Subsections (2), (6), and (7) of section 2803
4161	4161	705.184, Florida Statutes, are amended to read: 2804
4162	4162	705.184 Derelict or abandoned motor vehicles on the 2805
4163	4163	premises of public-use airports.— 2806
4164	4164	(2) The airport director or the director's designee shall 2807
4165	4165	contact the Department of Highway Safety and Motor Vehicles t o 2808
4166	4166	notify that department that the airport has possession of the 2809
4167	4167	abandoned or derelict motor vehicle and to determine the name 2810
4168	4168	and address of the owner of the motor vehicle, the insurance 2811
4169	4169	company insuring the motor vehicle, notwithstanding the 2812
4170	4170	provisions of s. 627.736, and any person who has filed a lien on 2813
4171	4171	the motor vehicle. Within 7 business days after receipt of the 2814
4172	4172	information, the director or the director's designee shall send 2815
4173	4173	notice by certified mail, return receipt requested, to the owner 2816
4174	4174	of the motor vehicle, the insurance company insuring the motor 2817
4175	4175	vehicle, notwithstanding the provisions of s. 627.736, and all 2818
4176	4176	persons of record claiming a lien against the motor vehicle. The 2819
4177	4177	notice must shall state the fact of possession of the motor 2820
4178	4178	vehicle, that charges for reasonable towing, storage, and 2821
4179	4179	parking fees, if any, have accrued and the amount thereof, that 2822
4180	4180	a lien as provided in subsection (6) will be claimed, that the 2823
4181	4181	lien is subject to enforcement pursuant to law, that the owner 2824
4182	4182	or lienholder, if any, ha s the right to a hearing as set forth 2825
4183	4183
4184	4184	HB 1181 2025
4185	4185
4186	4186
4187	4187
4188	4188	CODING: Words stricken are deletions; words underlined are additions.
4189	4189	hb1181-00
4190	4190	Page 114 of 125
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	in subsection (4), and that any motor vehicle which, at the end 2826
4196	4196	of 30 calendar days after receipt of the notice, has not been 2827
4197	4197	removed from the airport upon payment in full of all accrued 2828
4198	4198	charges for reasonable towing, storage, and parking fees, if 2829
4199	4199	any, may be disposed of as provided in s. 705.182(2)(a), (b), 2830
4200	4200	(d), or (e), including, but not limited to, the motor vehicle 2831
4201	4201	being sold free of all prior liens after 35 calendar days after 2832
4202	4202	the time the motor vehicle is stored i f any prior liens on the 2833
4203	4203	motor vehicle are more than 5 years of age or after 50 calendar 2834
4204	4204	days after the time the motor vehicle is stored if any prior 2835
4205	4205	liens on the motor vehicle are 5 years of age or less. 2836
4206	4206	(6) The airport pursuant to this section or, if u sed, a 2837
4207	4207	licensed independent wrecker company pursuant to s. 713.78 shall 2838
4208	4208	have a lien on an abandoned or derelict motor vehicle for all 2839
4209	4209	reasonable towing, storage, and accrued parking fees, if any, 2840
4210	4210	except that a no storage fee may not shall be charged if the 2841
4211	4211	motor vehicle is stored less than 6 hours. As a prerequisite to 2842
4212	4212	perfecting a lien under this section, the airport director or 2843
4213	4213	the director's designee must serve a notice in accordance with 2844
4214	4214	subsection (2) on the owner of the motor vehicle, the insurance 2845
4215	4215	company insuring the motor vehicle, notwithstanding the 2846
4216	4216	provisions of s. 627.736, and all persons of record claiming a 2847
4217	4217	lien against the motor vehicle. If attempts to notify the owner, 2848
4218	4218	the insurance company insuring the motor vehicle, 2849
4219	4219	notwithstanding the prov isions of s. 627.736, or lienholders are 2850
4220	4220
4221	4221	HB 1181 2025
4222	4222
4223	4223
4224	4224
4225	4225	CODING: Words stricken are deletions; words underlined are additions.
4226	4226	hb1181-00
4227	4227	Page 115 of 125
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	not successful, the requirement of notice by mail is shall be 2851
4233	4233	considered met. Serving of the notice does not dispense with 2852
4234	4234	recording the claim of lien. 2853
4235	4235	(7)(a) For the purpose of perfecting its lien under this 2854
4236	4236	section, the airport shall record a claim of lien which states 2855
4237	4237	shall state: 2856
4238	4238	1. The name and address of the airport. 2857
4239	4239	2. The name of the owner of the motor vehicle, the 2858
4240	4240	insurance company insuring the motor vehicle, notwithstanding 2859
4241	4241	the provisions of s. 627.73 6, and all persons of record claiming 2860
4242	4242	a lien against the motor vehicle. 2861
4243	4243	3. The costs incurred from reasonable towing, storage, and 2862
4244	4244	parking fees, if any. 2863
4245	4245	4. A description of the motor vehicle sufficient for 2864
4246	4246	identification. 2865
4247	4247	(b) The claim of lien must shall be signed and sworn to or 2866
4248	4248	affirmed by the airport director or the director's designee. 2867
4249	4249	(c) The claim of lien is shall be sufficient if it is in 2868
4250	4250	substantially the following form: 2869
4251	4251	2870
4252	4252	CLAIM OF LIEN 2871
4253	4253	State of ........ 2872
4254	4254	County of ........ 2873
4255	4255	Before me, the undersigned notary public, personally appeared 2874
4256	4256	........, who was duly sworn and says that he/she is the 2875
4257	4257
4258	4258	HB 1181 2025
4259	4259
4260	4260
4261	4261
4262	4262	CODING: Words stricken are deletions; words underlined are additions.
4263	4263	hb1181-00
4264	4264	Page 116 of 125
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	........ of ............, whose address is........; and that the 2876
4270	4270	following described motor vehicle: 2877
4271	4271	...(Description of motor vehicle)... 2878
4272	4272	owned by ........, whose address is ........, has accrued 2879
4273	4273	$........ in fees for a reasonable tow, for storage, and for 2880
4274	4274	parking, if applicable; that the lienor served its notice to the 2881
4275	4275	owner, the insurance company insuring the motor vehicle 2882
4276	4276	notwithstanding the provisions of s . 627.736, Florida Statutes , 2883
4277	4277	and all persons of record claiming a lien against the motor 2884
4278	4278	vehicle on ...., ...(year)..., by......... 2885
4279	4279	...(Signature)... 2886
4280	4280	Sworn to (or affirmed) and subscribed before me this .... day of 2887
4281	4281	...., ...(year)..., by ...(name of person making statement).... 2888
4282	4282	...(Signature of Notary Public)... ...(Print, Type, or Stamp 2889
4283	4283	Commissioned name of Notary Public)... 2890
4284	4284	Personally Known....OR Produced....as identification. 2891
4285	4285	2892
4286	4286	However, the negligent inclusion or omission of any information 2893
4287	4287	in this claim of lien which does not prejudice the owner does 2894
4288	4288	not constitute a default that operates to defeat an otherwise 2895
4289	4289	valid lien. 2896
4290	4290	(d) The claim of lien must shall be served on the owner of 2897
4291	4291	the motor vehicle, the insurance company insuring the motor 2898
4292	4292	vehicle, notwithstanding the provisions of s. 627.736, and all 2899
4293	4293	persons of record claiming a lien against the motor vehicle. If 2900
4294	4294
4295	4295	HB 1181 2025
4296	4296
4297	4297
4298	4298
4299	4299	CODING: Words stricken are deletions; words underlined are additions.
4300	4300	hb1181-00
4301	4301	Page 117 of 125
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	attempts to notify the owner, the insurance company insuring the 2901
4307	4307	motor vehicle notwithstanding the provisions of s. 627.736 , or 2902
4308	4308	lienholders are not successful, the requirement of notice by 2903
4309	4309	mail is shall be considered met. The claim of lien must shall be 2904
4310	4310	so served before recordation. 2905
4311	4311	(e) The claim of lien must shall be recorded with the 2906
4312	4312	clerk of court in the county where the airport is located. The 2907
4313	4313	recording of the claim of lien is shall be constructive notice 2908
4314	4314	to all persons of the contents and effect of such claim. The 2909
4315	4315	lien attaches shall attach at the time of recordation and takes 2910
4316	4316	shall take priority as of that time. 2911
4317	4317	Section 58. Paragraphs (a), (b), and (c) of subsection (4) 2912
4318	4318	of section 713.78, Florida Statutes, are amended to read: 2913
4319	4319	713.78 Liens for recovering, towing, or storing vehicles 2914
4320	4320	and vessels.— 2915
4321	4321	(4)(a) A towing-storage operator who comes into possession 2916
4322	4322	of a vehicle or vessel purs uant to paragraph (2)(b), and who 2917
4323	4323	claims a lien for recovery, towing, or storage services, must 2918
4324	4324	give notice, by certified mail, pursuant to subsection (16), to 2919
4325	4325	the registered owner, the insurance company insuring the vehicle 2920
4326	4326	or vessel notwithstanding s. 62 7.736, and all persons claiming a 2921
4327	4327	lien thereon, as disclosed by the records in the Department of 2922
4328	4328	Highway Safety and Motor Vehicles or as disclosed by the records 2923
4329	4329	of any corresponding agency in any other state in which the 2924
4330	4330	vehicle or vessel is identified th rough a records check of the 2925
4331	4331
4332	4332	HB 1181 2025
4333	4333
4334	4334
4335	4335
4336	4336	CODING: Words stricken are deletions; words underlined are additions.
4337	4337	hb1181-00
4338	4338	Page 118 of 125
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	National Motor Vehicle Title Information System or an equivalent 2926
4344	4344	commercially available system as being titled or registered. 2927
4345	4345	(b) When a law enforcement agency, county, or municipality 2928
4346	4346	authorizes the removal of a vehicle or v essel, or a towing 2929
4347	4347	service, garage, repair shop, or automotive service, storage, or 2930
4348	4348	parking place notifies a law enforcement agency of possession of 2931
4349	4349	a vehicle or vessel pursuant to s. 715.07(2)(a)2., if an 2932
4350	4350	approved third-party service cannot obtain the veh icle's or 2933
4351	4351	vessel's owner, lienholder, and insurer information or last 2934
4352	4352	state of record pursuant to subsection (16), then the person in 2935
4353	4353	charge of the towing service, garage, repair shop, or automotive 2936
4354	4354	service, storage, or parking place must request such info rmation 2937
4355	4355	from the law enforcement agency of the jurisdiction where the 2938
4356	4356	vehicle or vessel is stored. The law enforcement agency to which 2939
4357	4357	the request was made must contact the Department of Highway 2940
4358	4358	Safety and Motor Vehicles, or the appropriate agency of the 2941
4359	4359	state of registration, if known, within 24 hours through the 2942
4360	4360	medium of electronic communications, giving the full description 2943
4361	4361	of the vehicle or vessel. Upon receipt of the full description 2944
4362	4362	of the vehicle or vessel, the department must search its files 2945
4363	4363	to determine the owner's name, the insurance company insuring 2946
4364	4364	the vehicle or vessel, and whether any person has filed a lien 2947
4365	4365	upon the vehicle or vessel as provided in s. 319.27(2) and (3) 2948
4366	4366	and notify the applicable law enforcement agency within 72 2949
4367	4367	hours. The person in charge of the towing service, garage, 2950
4368	4368
4369	4369	HB 1181 2025
4370	4370
4371	4371
4372	4372
4373	4373	CODING: Words stricken are deletions; words underlined are additions.
4374	4374	hb1181-00
4375	4375	Page 119 of 125
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	repair shop, or automotive service, storage, or parking place 2951
4381	4381	must request such information from the applicable law 2952
4382	4382	enforcement agency within 5 days after the date of storage and 2953
4383	4383	must provide the information to the approved third-party service 2954
4384	4384	in order to transmit notices as required under subsection (16). 2955
4385	4385	The department may release the insurance company information to 2956
4386	4386	the requestor notwithstanding s. 627.736 . 2957
4387	4387	(c) The notice of lien must be sent by an approved third-2958
4388	4388	party service by certified mail to the registered owner, the 2959
4389	4389	insurance company insuring the vehicle notwithstanding s. 2960
4390	4390	627.736, and all other persons claiming a lien thereon within 5 2961
4391	4391	business days, excluding a Saturday, Sunday, or federal legal 2962
4392	4392	holiday, after the date of storage of the vehicle or vessel. The 2963
4393	4393	notice must state all of the following: 2964
4394	4394	1. If the claim of lien is for a vehicle, the last 8 2965
4395	4395	digits of the vehicle identification number of the vehicle 2966
4396	4396	subject to the lien, or, if the claim of l ien is for a vessel, 2967
4397	4397	the hull identification number of the vessel subject to the 2968
4398	4398	lien, clearly printed in the delivery address box and on the 2969
4399	4399	outside of the envelope sent to the registered owner and all 2970
4400	4400	other persons claiming an interest in or lien on the vehicle or 2971
4401	4401	vessel. 2972
4402	4402	2. The name, physical address, and telephone number of the 2973
4403	4403	lienor, and the entity name, as registered with the Division of 2974
4404	4404	Corporations, of the business where the towing and storage 2975
4405	4405
4406	4406	HB 1181 2025
4407	4407
4408	4408
4409	4409
4410	4410	CODING: Words stricken are deletions; words underlined are additions.
4411	4411	hb1181-00
4412	4412	Page 120 of 125
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	occurred, which must also appear on the outside of th e envelope 2976
4418	4418	sent to the registered owner and all other persons claiming an 2977
4419	4419	interest in or lien on the vehicle or vessel. 2978
4420	4420	3. The fact of possession of the vehicle or vessel. 2979
4421	4421	4. The name of the person or entity that authorized the 2980
4422	4422	lienor to take possessio n of the vehicle or vessel. 2981
4423	4423	5. That a lien as provided in paragraph (2)(b) is claimed. 2982
4424	4424	6. That charges have accrued and include an itemized 2983
4425	4425	statement of the amount thereof. 2984
4426	4426	7. That the lien is subject to enforcement under law and 2985
4427	4427	that the owner or li enholder, if any, has the right to initiate 2986
4428	4428	judicial proceedings as set forth in subsection (5). 2987
4429	4429	8. That any vehicle or vessel that remains unclaimed, or 2988
4430	4430	for which the charges for recovery, towing, or storage services 2989
4431	4431	remain unpaid, may be sold free of a ll prior liens 35 days after 2990
4432	4432	the vehicle or vessel is stored by the lienor if the vehicle or 2991
4433	4433	vessel is an older model or 57 days after the vehicle or vessel 2992
4434	4434	is stored by the lienor if the vehicle or vessel is a newer 2993
4435	4435	model. 2994
4436	4436	9. The address at which the ve hicle or vessel is 2995
4437	4437	physically located. 2996
4438	4438	Section 59. Paragraph (a) of subsection (1), paragraph (c) 2997
4439	4439	of subsection (7), paragraphs (a), (b), and (c) of subsection 2998
4440	4440	(8), and subsections (9) and (10) of section 817.234, Florida 2999
4441	4441	Statutes, are amended to read: 3000
4442	4442
4443	4443	HB 1181 2025
4444	4444
4445	4445
4446	4446
4447	4447	CODING: Words stricken are deletions; words underlined are additions.
4448	4448	hb1181-00
4449	4449	Page 121 of 125
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	817.234 False and fraudulent insurance claims. — 3001
4455	4455	(1)(a) A person commits insurance fraud punishable as 3002
4456	4456	provided in subsection (11) if that person, with the intent to 3003
4457	4457	injure, defraud, or deceive any insurer: 3004
4458	4458	1. Presents or causes to be presented any w ritten or oral 3005
4459	4459	statement as part of, or in support of, a claim for payment or 3006
4460	4460	other benefit pursuant to an insurance policy or a health 3007
4461	4461	maintenance organization subscriber or provider contract, 3008
4462	4462	knowing that such statement contains any false, incomplete, or 3009
4463	4463	misleading information concerning any fact or thing material to 3010
4464	4464	such claim; 3011
4465	4465	2. Prepares or makes any written or oral statement that is 3012
4466	4466	intended to be presented to an any insurer in connection with, 3013
4467	4467	or in support of, any claim for payment or other benefi t 3014
4468	4468	pursuant to an insurance policy or a health maintenance 3015
4469	4469	organization subscriber or provider contract, knowing that such 3016
4470	4470	statement contains any false, incomplete, or misleading 3017
4471	4471	information concerning any fact or thing material to such claim; 3018
4472	4472	3.a. Knowingly presents, causes to be presented, or 3019
4473	4473	prepares or makes with knowledge or belief that it will be 3020
4474	4474	presented to an any insurer, a purported insurer, a servicing 3021
4475	4475	corporation, an insurance broker, or an insurance agent, or any 3022
4476	4476	employee or agent thereof, any false, incomplete, or misleading 3023
4477	4477	information or a written or oral statement as part of, or in 3024
4478	4478	support of, an application for the issuance of, or the rating 3025
4479	4479
4480	4480	HB 1181 2025
4481	4481
4482	4482
4483	4483
4484	4484	CODING: Words stricken are deletions; words underlined are additions.
4485	4485	hb1181-00
4486	4486	Page 122 of 125
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	of, any insurance policy, or a health maintenance organization 3026
4492	4492	subscriber or provider contract; or 3027
4493	4493	b. Knowingly conceals information concerning any fact 3028
4494	4494	material to such application; or 3029
4495	4495	4. Knowingly presents, causes to be presented, or prepares 3030
4496	4496	or makes with knowledge or belief that it will be presented to 3031
4497	4497	any insurer a claim for payment or other be nefit under medical 3032
4498	4498	payments coverage in a motor vehicle a personal injury 3033
4499	4499	protection insurance policy if the person knows that the payee 3034
4500	4500	knowingly submitted a false, misleading, or fraudulent 3035
4501	4501	application or other document when applying for licensure as a 3036
4502	4502	health care clinic, seeking an exemption from licensure as a 3037
4503	4503	health care clinic, or demonstrating compliance with part X of 3038
4504	4504	chapter 400. 3039
4505	4505	(7) 3040
4506	4506	(c) An insurer, or any person acting at the direction of 3041
4507	4507	or on behalf of an insurer, may not change an opinion in a 3042
4508	4508	mental or physical report prepared under s. 627.736(7) or direct 3043
4509	4509	the physician preparing the report to change such opinion; 3044
4510	4510	however, this provision does not preclude the insurer from 3045
4511	4511	calling to the attention of the physician errors of fact in the 3046
4512	4512	report based upon information in the claim file. Any person who 3047
4513	4513	violates this paragraph commits a felony of the third degree, 3048
4514	4514	punishable as provided in s. 775.082, s. 775.083, or s. 775.084. 3049
4515	4515	(8)(a) It is unlawful for any person intending to defraud 3050
4516	4516
4517	4517	HB 1181 2025
4518	4518
4519	4519
4520	4520
4521	4521	CODING: Words stricken are deletions; words underlined are additions.
4522	4522	hb1181-00
4523	4523	Page 123 of 125
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	any other person to solicit or cause to be solicited any 3051
4529	4529	business from a person involved in a motor vehicle accident for 3052
4530	4530	the purpose of making, adjusting, or settling motor vehicle tort 3053
4531	4531	claims or claims for benefits under medical payments coverage in 3054
4532	4532	a motor vehicle insurance policy personal injury protection 3055
4533	4533	benefits required by s. 627.736 . Any person who violates the 3056
4534	4534	provisions of this paragraph commits a felony of the second 3057
4535	4535	degree, punishable as provided in s. 775.082, s. 775.083, or s. 3058
4536	4536	775.084. A person who is convicted of a violation of this 3059
4537	4537	subsection shall be sentenced to a minimum term of imprisonment 3060
4538	4538	of 2 years. 3061
4539	4539	(b) A person may not solicit or cause to be solicited any 3062
4540	4540	business from a person involved in a motor vehicle accident by 3063
4541	4541	any means of communicati on other than advertising directed to 3064
4542	4542	the public for the purpose of making motor vehicle tort claims 3065
4543	4543	or claims for benefits under medical payments coverage in a 3066
4544	4544	motor vehicle insurance policy personal injury protection 3067
4545	4545	benefits required by s. 627.736, within 60 days after the 3068
4546	4546	occurrence of the motor vehicle accident. Any person who 3069
4547	4547	violates this paragraph commits a felony of the third degree, 3070
4548	4548	punishable as provided in s. 775.082, s. 775.083, or s. 775.084. 3071
4549	4549	(c) A lawyer, health care practitioner as defined in s. 3072
4550	4550	456.001, or owner or medical director of a clinic required to be 3073
4551	4551	licensed pursuant to s. 400.9905 may not, at any time after 60 3074
4552	4552	days have elapsed from the occurrence of a motor vehicle 3075
4553	4553
4554	4554	HB 1181 2025
4555	4555
4556	4556
4557	4557
4558	4558	CODING: Words stricken are deletions; words underlined are additions.
4559	4559	hb1181-00
4560	4560	Page 124 of 125
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	accident, solicit or cause to be solicited any business from a 3076
4566	4566	person involved in a motor vehicle accident by means of in 3077
4567	4567	person or telephone contact at the person's residence, for the 3078
4568	4568	purpose of making motor vehicle tort claims or claims for 3079
4569	4569	benefits under medical payments coverage in a motor vehicle 3080
4570	4570	insurance policy personal injury protection benefits required by 3081
4571	4571	s. 627.736. Any person who violates this paragraph commits a 3082
4572	4572	felony of the third degree, punishable as provided in s. 3083
4573	4573	775.082, s. 775.083, or s. 775.084. 3084
4574	4574	(9) A person may not organize, plan, or knowingly 3085
4575	4575	participate in an intentional motor vehicle crash or a scheme to 3086
4576	4576	create documentation of a motor vehicle crash that did not occur 3087
4577	4577	for the purpose of making motor vehicle tort claims or claims 3088
4578	4578	for benefits under medical payments coverage in a motor vehicle 3089
4579	4579	insurance policy personal injury protection benefits as required 3090
4580	4580	by s. 627.736. Any person who violates this subsection commits a 3091
4581	4581	felony of the second degree, punishable as provided in s. 3092
4582	4582	775.082, s. 775.083, or s. 775.084. A person who is convicted of 3093
4583	4583	a violation of this subsection shall be sentenced to a minimum 3094
4584	4584	term of imprisonment of 2 years. 3095
4585	4585	(10) A licensed health care practitioner who is found 3096
4586	4586	guilty of insurance fraud under this section for an act relating 3097
4587	4587	to a motor vehicle personal injury protectio n insurance policy 3098
4588	4588	must lose loses his or her license to practice for 5 years and 3099
4589	4589	may not receive reimbursement under medical payments coverage in 3100
4590	4590
4591	4591	HB 1181 2025
4592	4592
4593	4593
4594	4594
4595	4595	CODING: Words stricken are deletions; words underlined are additions.
4596	4596	hb1181-00
4597	4597	Page 125 of 125
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	a motor vehicle insurance policy for personal injury protection 3101
4603	4603	benefits for 10 years. 3102
4604	4604	Section 60. For the 2025-2026 fiscal year, the sum of 3103
4605	4605	$83,651 in nonrecurring funds is appropriated from the Insurance 3104
4606	4606	Regulatory Trust Fund to the Office of Insurance Regulation for 3105
4607	4607	the purpose of implementing this act. This section shall take 3106
4608	4608	effect July 1, 2025. 3107
4609	4609	Section 61. Except as otherwise expressly provided in this 3108
4610	4610	act and except for this section, which shall take effect upon 3109
4611	4611	this act becoming a law, this act shall take effect July 1, 3110
4612	4612	2026. 3111