HB 1181: Motor Vehicle Insurance
GENERAL BILL by Alvarez, D.
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
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Bill History
Date Chamber Action 2/26/2025 House • Filed
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HB 1181, Original Filed Version (Current Bill Version) Posted 2/26/2025 at 12:45 PM
Bill Text: PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 1256 Motor Vehicle Insurance Grall Similar Last Action: 2/25/2025 S Filed 
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)