FL S0420

Creates Section 627.747, Florida Statutes, allowing private passenger motor vehicle policies to exclude specific coverages—including personal injury protection (PIP), property damage liability, bodily injury liability, and uninsured motorist coverage—for an identified individual who is not the named insured, provided that individual is listed on the declarations page or by endorsement and the named insured consents in writing

Prohibits the named driver exclusion when the identified individual is injured while not operating a motor vehicle, when the exclusion is based solely on race, color, religion, sex, national origin, age, handicap, pregnancy, or marital status, or when the exclusion is inconsistent with the insurer's filed underwriting rules

Requires any driver excluded under this provision to independently establish, maintain, and show proof of financial responsibility for damages arising from motor vehicle ownership or use as required by Chapter 324 and maintain security under Section 627.733

Amends Sections 324.151, 627.736, and 627.7407, Florida Statutes, to conform existing motor vehicle liability policy requirements and PIP benefit provisions to accommodate the new named driver exclusion

Takes effect July 1, 2021