FL H0769

Repeals Florida's entire Motor Vehicle No-Fault Law and eliminates personal injury protection (PIP) coverage for all motor vehicle insurance policies issued or renewed on or after January 1, 2027, replacing PIP references throughout Florida Statutes with "medical payments coverage" or "bodily injury liability coverage"

Establishes new mandatory minimum liability coverage for all registered motor vehicles: $25,000/$50,000 for bodily injury/death (one person/two or more persons) and $10,000 for property damage per crash, or a combined single-limit policy of at least $60,000; DUI offenders must carry higher limits of $100,000/$300,000/$50,000 for a minimum of 3 years

Creates a new "for-hire passenger transportation vehicle" classification (taxicabs, limousines, jitneys) requiring minimum coverage of $125,000/$250,000/$50,000, with operators of 300 or more vehicles eligible for self-insurance up to $300,000 per occurrence with adequate excess insurance

Increases financial responsibility thresholds: self-insurance certificate of deposit rises to $60,000 per vehicle (max $240,000), private individual self-insurer net worth requirement increases to $100,000 (from $40,000), and garage liability insurance for dealers increases to a $60,000 combined single limit (from $25,000)

Raises commercial motor vehicle insurance minimums to $60,000 (26,000–35,000 lbs), $120,000 (35,000–44,000 lbs), and $300,000 (44,000+ lbs) per occurrence, with federally regulated vehicles following 49 C.F.R. part 387

Expands uninsured motorist (UM) coverage to include damages for pain, suffering, mental anguish, disfigurement, loss of enjoyment of life, and similar noneconomic damages without requiring a statutory injury threshold

Removes PIP requirements from transportation network companies (TNCs), peer-to-peer car-sharing programs, and autonomous vehicle insurance mandates while retaining liability and UM/UIM coverage obligations, including $1 million primary liability for prearranged TNC rides and autonomous vehicles on networks

Requires insurers to send approved notices to policyholders by October 1, 2026, explaining the No-Fault Law repeal, new minimum coverage requirements, availability of UM/UIM coverage, and transition rules; pre-2027 policies with PIP are deemed compliant until renewed, nonrenewed, or canceled after January 1, 2027

Adds an enforcement mechanism allowing claimants to file court actions against insurers that fail to meet disclosure obligations, with reasonable attorney fees and costs awarded upon a finding of violation

Updates insurance fraud statutes to replace PIP references with medical payments coverage, retains the 60-day solicitation ban following accidents, and maintains penalties including a 5-year license loss and 10-year reimbursement ban for health care practitioners convicted of motor vehicle insurance fraud; appropriates $83,651 in nonrecurring funds from the Insurance Regulatory Trust Fund for implementation