FL S1908

Removes exemption for insurance business from the Florida Deceptive and Unfair Trade Practices Act, making insurance subject to consumer protection laws.

Requires medical malpractice insurers to apply discounts or surcharges based on health care providers' loss experience and disciplinary records, and prohibits rate use without prior Office of Insurance Regulation approval.

Limits medical malpractice rates filed before September 15, 2009 to 5 years of loss experience, and rates filed on or after September 15, 2011 to loss experience from 2006 forward.

Requires chief executive officers, chief financial officers, and chief actuaries of medical malpractice insurers to certify rate filings under oath; false certification violates insurance law and is subject to penalties.

Establishes Office of Insurance Regulation's duty to publish annual public comparison charts of medical malpractice rates by insurer, specialty, and region; grants consumer advocate standing to participate in rate hearings and requires notification to consumer advocate of proposed rate changes of 10 percent or more.