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A bill to be entitled

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An act relating to motor vehicle and casualty insurance

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contracts; amending s. 627.728, F.S.; prohibiting an

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insurer from conditioning the renewal of a policy upon a

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change of limits, elimination of any coverages, or

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increase in premium unless the insurer provides written

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notice in advance to the insured or the insured's

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insurance agent; requiring that the specific reason or

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reasons for any conditioned renewal or increase in premium

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be included in or with such notice; providing exceptions;

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providing an effective date.

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

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     Section 1.  Present subsections (5) through (12) of section

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627.728, Florida Statutes, are renumbered as subsections (6)

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through (13), respectively, and a new subsection (5) is added to

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that section, to read:

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     627.728  Cancellations; nonrenewals.--

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     (5) An insurer may not condition the renewal of a policy

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upon a change of limits, elimination of any coverages, or payment

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of increased premium unless the insurer, at least 45 days in

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advance of such conditioned renewal, mails or delivers to the

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named insured, at the address listed on the policy, and to the

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named insured's insurance agent at her or his business address,

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written notice of the insurer's intention to condition a renewal

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upon a change of limits, elimination of any coverages, or payment

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of increased premium. The specific reason or reasons for any

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conditioned renewal or increase in premium must be included in or

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with the notice. This paragraph does not apply if the named

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insured, an agent or broker authorized by the named insured, or

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an insurer of the named insured has mailed or delivered written

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notice to the insurer that the insured intends to cancel or not

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to renew the policy, or that the policy has been replaced.

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     Section 2.  This act shall take effect July 1, 2008.