CS/HB 19 - Responsible Roadways Act Summary

• Excludes personal injury protection (PIP) from motor vehicle insurance policies issued or renewed on or after January 1, 2019, while maintaining coverage for existing policies until renewal or cancellation.

• Increases minimum motor vehicle liability coverage requirements to $25,000 for bodily injury to one person, $50,000 for multiple persons, and $10,000 for property damage (from previous lower amounts).

• Repeals the Florida Motor Vehicle No-Fault Law (ss. 627.730-627.7405) effective January 1, 2019, while keeping those provisions in effect for policies issued prior to that date.

• Enhances insurance fraud penalties including felony convictions for organizing intentional accidents, soliciting accident victims, and fraudulent health care clinic applications, with minimum 2-year prison sentences for certain violations.

• Requires insurers to notify policyholders by September 1, 2018, of the changes to coverage requirements and allows insured to modify coverages without additional fees if premiums are reduced.