Senate Bill 1978

    Florida Senate - 1999                                  SB 1978

    By Senator Diaz-Balart





    37-641-99

  1                      A bill to be entitled

  2         An act relating to automobile insurance;

  3         amending s. 627.739, F.S.; allowing insureds to

  4         elect multiple personal injury protection

  5         policy limitations and receive appropriate

  6         premium reductions; providing an effective

  7         date.

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  9  Be It Enacted by the Legislature of the State of Florida:

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11         Section 1.  Subsection (1) of section 627.739, Florida

12  Statutes, is amended, and subsections (5) and (6) are added to

13  that section, to read:

14         627.739  Personal injury protection; optional

15  limitations; deductibles.--

16         (1)  The named insured may elect a deductible to apply

17  to the named insured alone or to the named insured and

18  dependent relatives residing in the same household, but may

19  not elect a deductible to apply to any other person covered

20  under the policy. Any person electing a deductible or modified

21  coverage, or a combination thereof, or subject to such

22  deductible or modified coverage as a result of the named

23  insured's election, shall have no right to claim or to recover

24  any amount so deducted from any owner, registrant, operator,

25  or occupant of a vehicle or any person or organization legally

26  responsible for any such person's acts or omissions who is

27  made exempt from tort liability by ss. 627.730-627.7405.

28         (5)  Insureds may not be prevented from electing two or

29  more optional limitations. Each election made by the named

30  insured under this section shall result in an appropriate

31  reduction of premium associated with that election.

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CODING: Words stricken are deletions; words underlined are additions.






    Florida Senate - 1999                                  SB 1978
    37-641-99




  1         (6)  All such offers must be made in a clear and

  2  unambiguous manner at the time the initial application is

  3  taken and before each renewal, and shall indicate that a

  4  premium reduction will result from each election.

  5         Section 2.  This act shall take effect July 1, 1999.

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  8                          SENATE SUMMARY

  9    Provides that insureds may elect multiple policy
      limitations in certain personal injury protection
10    coverages, and receive appropriate premium reductions.

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