The Florida Senate

HB 1181: Motor Vehicle Insurance

GENERAL BILL by Alvarez, D. ; Weinberger ; (CO-INTRODUCERS) Valdés

Motor Vehicle Insurance; Repeals provisions relating to application of Florida Motor Vehicle No-Fault Law; revises motor vehicle insurance coverages that applicant must show to register certain vehicles with DHSMV; revises garage liability insurance requirements for motor vehicle dealer license applicants; revises financial responsibility requirements for owners or lessees of for-hire passenger transportation vehicles; revises requirements for certificate of deposit that is required if person elects certain method of proving financial responsibility; revises minimum net worth requirements to qualify certain persons as self-insurers; revises coverages that must provide premium charge reduction; revises coverages that are subject to premium discounts for specified motor vehicle equipment; revises coverages that are subject to stacking prohibition; revises coverages of motor vehicle insurance policy for which licensed general lines agent may charge specified fee; revises additional liability insurance requirements for commercial motor vehicles; revises insurance requirements for transportation network company drivers; revises coverages in policy sold in combination with accidental death & dismemberment policy which premium finance company may not finance. APPROPRIATION: $83,651

• Bill History
• Related Bills (1)
• Bill Text (1)
• Amendments (0)
• Analyses (2)
• Vote History (0)
• Citations (70)

Bill History

Date	Chamber	Action
2/26/2025	House	• Filed
3/4/2025	House	• 1st Reading (Original Filed Version)
3/5/2025	House	• Referred to Civil Justice & Claims Subcommittee • Referred to Insurance & Banking Subcommittee • Referred to Judiciary Committee • Now in Civil Justice & Claims Subcommittee
3/25/2025	House	• Added to Civil Justice & Claims Subcommittee agenda
3/27/2025	House	• Favorable by Civil Justice & Claims Subcommittee • Reported out of Civil Justice & Claims Subcommittee • Now in Insurance & Banking Subcommittee
4/1/2025	House	• Added to Insurance & Banking Subcommittee agenda
4/3/2025	House	• Favorable by Insurance & Banking Subcommittee
4/4/2025	House	• Reported out of Insurance & Banking Subcommittee • Now in Judiciary Committee
5/3/2025	House	• Indefinitely postponed and withdrawn from consideration
6/16/2025	House	• Died in Judiciary Committee

Related Bills

Bill Number	Subject	Filed By	Relationship	Last Action and Location	Track Bills
S 1256	Motor Vehicle Insurance	Grall	Similar	Last Action: 6/16/2025 S Died in Banking and Insurance

Bill Text

Version	Posted	Format
H 1181 Filed	2/26/2025 12:45 PM	PDF

Committee Amendments

No Committee Amendments Available

Floor Amendments

No Floor Amendments Available

Bill Analyses

Type	Analysis	Author	Posted	Format
Bill Analysis	H 1181	Civil Justice & Claims Subcommittee (Post-Meeting)	3/27/2025 2:47 PM	PDF
Bill Analysis	H 1181	Insurance & Banking Subcommittee (Post-Meeting)	4/4/2025 9:01 AM	PDF

Vote History - Committee

No Committee Vote History Available

Vote History - Floor

No Vote History Available

Citations - Statutes (70)

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 8 (pdf)
316.646	Security required; proof of security and display thereof.	Page 8 (pdf)
318.18	Amount of penalties.	Page 7 (pdf)
320.02	Registration required; application for registration; forms.	Page 11 (pdf)
320.0609	Transfer and exchange of registration license plates; transfer fee.	Page 14 (pdf)
320.27	Motor vehicle dealers.	Page 15 (pdf)
320.771	License required of recreational vehicle dealers.	Page 19 (pdf)
322.251	Notice of cancellation, suspension, revocation, or disqualification of license.	Page 20 (pdf)
322.34	Driving while license suspended, revoked, canceled, or disqualified.	Page 21 (pdf)
324.011	Purpose of chapter.	Page 22 (pdf)
324.021	Definitions; minimum insurance required.	Page 23 (pdf)
324.022	Financial responsibility for property damage.	Page 29 (pdf)
324.0221	Reports by insurers to the department; suspension of driver license and vehicle registrations; reinstatement.	Page 32 (pdf)
324.0222		Page 34 (pdf)
324.023	Financial responsibility for bodily injury or death.	Page 35 (pdf)
324.031	Manner of proving financial responsibility.	Page 36 (pdf)
324.032	Manner of proving financial responsibility; for-hire passenger transportation vehicles.	Page 38 (pdf)
324.051	Reports of crashes; suspensions of licenses and registrations.	Page 40 (pdf)
324.071	Reinstatement; renewal of license; reinstatement fee.	Page 43 (pdf)
324.091	Notice to department; notice to insurer.	Page 44 (pdf)
324.151	Motor vehicle liability policies; required provisions.	Page 44 (pdf)
324.161	Proof of financial responsibility; deposit.	Page 48 (pdf)
324.171	Self-insurer.	Page 49 (pdf)
324.242	Personal injury protection and property damage liability insurance policies; public records exemption.	Page 51 (pdf)
324.251	Short title.	Page 51 (pdf)
400.9905	Definitions.	Page 51 (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 77 (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 78 (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)
627.727	Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.	Page 83 (pdf)
627.7275	Motor vehicle liability.	Page 86 (pdf)
627.7278		Page 88 (pdf)
627.728	Cancellations; nonrenewals.	Page 92 (pdf)
627.7295	Motor vehicle insurance contracts.	Page 93 (pdf)
627.730	Florida Motor Vehicle No-Fault Law.	Page 7 (pdf)
627.731	Purpose.	Page 7 (pdf)
627.7311	Effect of law on personal injury protection policies.	Page 7 (pdf)
627.732	Definitions.	Page 7 (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 8 (pdf)
627.7415	Commercial motor vehicles; additional liability insurance coverage.	Page 96 (pdf)
627.747	Named driver exclusion.	Page 97 (pdf)
627.748	Transportation network companies.	Page 98 (pdf)
627.7483	Peer-to-peer car sharing; insurance requirements.	Page 103 (pdf)
627.749	Autonomous vehicles; insurance requirements.	Page 108 (pdf)
627.8405	Prohibited acts; financing companies.	Page 109 (pdf)
627.915	Insurer experience reporting.	Page 110 (pdf)
628.909	Applicability of other laws.	Page 112 (pdf)
705.184	Derelict or abandoned motor vehicles on the premises of public-use airports.	Page 113 (pdf)
713.78	Liens for recovering, towing, or storing vehicles and vessels.	Page 117 (pdf)
817.234	False and fraudulent insurance claims.	Page 121 (pdf)

Citations - Constitution (0)

No Constitutional citations.

Citations - Chapter Law (0)

No Chapter Law citations.