FL S0870

Eliminates the requirement that property, casualty, or surety insurance policies be countersigned by an agent; declares the absence of a countersignature does not affect policy validity.

Authorizes counties to enact and enforce ordinances applicable to health care clinics that receive reimbursement under the Florida Motor Vehicle No-Fault Law.

Excludes installment payment arrangements that do not involve advancement of funds from premium financing regulations.

Allows domestic reciprocal insurers to distribute up to 10 percent of surplus to subscribers upon office approval, with annual distributions limited to 50 percent of net income from the previous calendar year.

Restructures Florida Insurance Guaranty Association assessment procedures by establishing "assessment years" beginning on calendar quarter dates and implementing a two-tier system for assessment collection and recoupment, while requiring separate display of assessment charges on premium statements rather than inclusion in rates.