HB 653: Motor Vehicle Insurance
GENERAL BILL by Alvarez, D. ; (CO-INTRODUCERS) Anderson ; Redondo ; Yeager
Motor Vehicle Insurance; Repeals provisions, relating to application of Florida Motor Vehicle No-Fault Law; revises requirement for proof of security on motor vehicle; revises motor vehicle insurance coverages that applicant must show to register vehicles with DHSMV; revises garage liability insurance requirements for motor vehicle dealer license applicants; revises minimum liability coverage requirements for motor vehicle owners or operators; revises legal liability of uninsured motorist coverage insurer; revises required coverages for motor vehicle insurance policy; requires that motor vehicle insurance policies provide death benefits provides appropriation. APPROPRIATION: $83,651
Effective Date: 7/1/2025
Last Action: 3/8/2024 House - Died in Insurance & Banking Subcommittee
Bill Text: PDF
Last Action: 3/8/2024 House - Died in Insurance & Banking Subcommittee
Bill Text: PDF
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Bill History
Date Chamber Action 11/27/2023 House • Filed
12/7/2023 House • Referred to Insurance & Banking Subcommittee
• Referred to Civil Justice Subcommittee
• Referred to Commerce Committee
• Now in Insurance & Banking Subcommittee
1/9/2024 House • 1st Reading (Original Filed Version)
3/8/2024 House • Died in Insurance & Banking Subcommittee
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HB 653, Original Filed Version (Current Bill Version) Posted 11/27/2023 at 3:45 PM
Bill Text: PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 464 Motor Vehicle Insurance Grall Identical Last Action: 3/8/2024 S Died in Banking and Insurance 
Citations - Statutes (71)
Citation Catchline Location in Bill Location In Bill Help 316.2122 Operation of a low-speed vehicle, mini truck, or low-speed autonomous delivery vehicle on certain roadways. Page 9 (pdf) 316.646 Security required; proof of security and display thereof. Page 9 (pdf) 318.18 Amount of penalties. Page 10 (pdf) 320.02 Registration required; application for registration; forms. Page 12 (pdf) 320.0609 Transfer and exchange of registration license plates; transfer fee. Page 15 (pdf) 320.27 Motor vehicle dealers. Page 16 (pdf) 320.771 License required of recreational vehicle dealers. Page 20 (pdf) 322.251 Notice of cancellation, suspension, revocation, or disqualification of license. Page 21 (pdf) 322.34 Driving while license suspended, revoked, canceled, or disqualified. Page 22 (pdf) 324.011 Purpose of chapter. Page 23 (pdf) 324.021 Definitions; minimum insurance required. Page 24 (pdf) 324.022 Financial responsibility for property damage. Page 30 (pdf) 324.0221 Reports by insurers to the department; suspension of driver license and vehicle registrations; reinstatement. Page 33 (pdf) 324.0222 Page 35 (pdf) 324.023 Financial responsibility for bodily injury or death. Page 36 (pdf) 324.031 Manner of proving financial responsibility. Page 37 (pdf) 324.032 Manner of proving financial responsibility; for-hire passenger transportation vehicles. Page 39 (pdf) 324.051 Reports of crashes; suspensions of licenses and registrations. Page 41 (pdf) 324.071 Reinstatement; renewal of license; reinstatement fee. Page 44 (pdf) 324.091 Notice to department; notice to insurer. Page 44 (pdf) 324.151 Motor vehicle liability policies; required provisions. Page 45 (pdf) 324.161 Proof of financial responsibility; deposit. Page 49 (pdf) 324.171 Self-insurer. Page 50 (pdf) 324.251 Short title. Page 51 (pdf) 400.9905 Definitions. Page 52 (pdf) 400.991 License requirements; background screenings; prohibitions. Page 62 (pdf) 400.9935 Clinic responsibilities. Page 63 (pdf) 409.901 Definitions; ss. 409.901-409.920. Page 64 (pdf) 409.910 Responsibility for payments on behalf of Medicaid-eligible persons when other parties are liable. Page 65 (pdf) 456.057 Ownership and control of patient records; report or copies of records to be furnished; disclosure of information. Page 66 (pdf) 456.072 Grounds for discipline; penalties; enforcement. Page 67 (pdf) 626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 68 (pdf) 626.989 Investigation by department or Division of Investigative and Forensic Services; compliance; immunity; confidential information; reports to division; division investigator’s power of arrest. Page 76 (pdf) 627.06501 Insurance discounts for certain persons completing driver improvement course. Page 78 (pdf) 627.0651 Making and use of rates for motor vehicle insurance. Page 78 (pdf) 627.0652 Insurance discounts for certain persons completing safety course. Page 79 (pdf) 627.0653 Insurance discounts for specified motor vehicle equipment. Page 79 (pdf) 627.4132 Stacking of coverages prohibited. Page 80 (pdf) 627.4137 Disclosure of certain information required. Page 81 (pdf) 627.7263 Rental and leasing driver’s insurance to be primary; exception. Page 82 (pdf) 627.7265 Page 83 (pdf) 627.727 Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection. Page 86 (pdf) 627.7275 Motor vehicle liability. Page 89 (pdf) 627.72761 Page 92 (pdf) 627.7278 Page 92 (pdf) 627.728 Cancellations; nonrenewals. Page 98 (pdf) 627.7295 Motor vehicle insurance contracts. Page 99 (pdf) 627.730 Florida Motor Vehicle No-Fault Law. Page 8 (pdf) 627.731 Purpose. Page 8 (pdf) 627.7311 Effect of law on personal injury protection policies. Page 8 (pdf) 627.732 Definitions. Page 8 (pdf) 627.733 Required security. Page 8 (pdf) 627.734 Proof of security; security requirements; penalties. Page 8 (pdf) 627.736 Required personal injury protection benefits; exclusions; priority; claims. Page 8 (pdf) 627.737 Tort exemption; limitation on right to damages; punitive damages. Page 8 (pdf) 627.739 Personal injury protection; optional limitations; deductibles. Page 8 (pdf) 627.7401 Notification of insured’s rights. Page 8 (pdf) 627.7403 Mandatory joinder of derivative claim. Page 8 (pdf) 627.7405 Insurers’ right of reimbursement. Page 8 (pdf) 627.7407 Application of the Florida Motor Vehicle No-Fault Law. Page 9 (pdf) 627.7415 Commercial motor vehicles; additional liability insurance coverage. Page 102 (pdf) 627.747 Named driver exclusion. Page 103 (pdf) 627.748 Transportation network companies. Page 104 (pdf) 627.7483 Peer-to-peer car sharing; insurance requirements. Page 109 (pdf) 627.749 Autonomous vehicles; insurance requirements. Page 114 (pdf) 627.8405 Prohibited acts; financing companies. Page 115 (pdf) 627.915 Insurer experience reporting. Page 116 (pdf) 628.909 Applicability of other laws. Page 117 (pdf) 705.184 Derelict or abandoned motor vehicles on the premises of public-use airports. Page 119 (pdf) 713.78 Liens for recovering, towing, or storing vehicles and vessels. Page 123 (pdf) 817.234 False and fraudulent insurance claims. Page 126 (pdf)