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SB 1256: Motor Vehicle Insurance

GENERAL BILL by Grall ; (CO-INTRODUCERS) Rouson

Motor Vehicle Insurance; Repealing provisions which comprise the Florida Motor Vehicle No-Fault Law; revising the motor vehicle insurance coverages that an applicant must show to register certain vehicles with the Department of Highway Safety and Motor Vehicles; revising minimum liability coverage requirements for motor vehicle owners or operators; providing that driver license or motor vehicle registration suspensions for failure to maintain required security which are in effect before a specified date remain in full force and effect; revising requirements for a certificate of deposit that is required if a person elects a certain method of proving financial responsibility, etc. APPROPRIATION: $83,651

Effective Date: Except as otherwise expressly provided in this act and except for this section, which shall take effect upon this act becoming a law, this act shall take effect July 1, 2026
 Last Action: 3/4/2025 Senate - Introduced
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Appropriations Committee on Agriculture, Environment, and General Government (AEG)
  3. Rules (RC)

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  • Bill History

    Date Chamber Action
    2/25/2025 Senate • Filed
    3/3/2025 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
    3/4/2025 Senate • Introduced

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  • SB 1256, Original Filed Version (Current Bill Version) Posted 2/25/2025 at 5:12 PM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (1)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1181 Motor Vehicle Insurance Alvarez, Weinberger Similar Last Action: 4/1/2025 H Added to Insurance & Banking Subcommittee agenda Track This Bill

    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 7 (pdf)
    316.646 Security required; proof of security and display thereof.
    318.18 Amount of penalties. Page 8 (pdf)
    320.02 Registration required; application for registration; forms. Page 10 (pdf)
    320.0609 Transfer and exchange of registration license plates; transfer fee. Page 12 (pdf)
    320.27 Motor vehicle dealers. Page 13 (pdf)
    320.771 License required of recreational vehicle dealers. Page 16 (pdf)
    322.251 Notice of cancellation, suspension, revocation, or disqualification of license. Page 17 (pdf)
    322.34 Driving while license suspended, revoked, canceled, or disqualified. Page 18 (pdf)
    324.011 Purpose of chapter. Page 19 (pdf)
    324.021 Definitions; minimum insurance required. Page 20 (pdf)
    324.022 Financial responsibility for property damage. Page 25 (pdf)
    324.0221 Reports by insurers to the department; suspension of driver license and vehicle registrations; reinstatement. Page 28 (pdf)
    324.0222 Page 30 (pdf)
    324.023 Financial responsibility for bodily injury or death. Page 30 (pdf)
    324.031 Manner of proving financial responsibility. Page 31 (pdf)
    324.032 Manner of proving financial responsibility; for-hire passenger transportation vehicles. Page 33 (pdf)
    324.051 Reports of crashes; suspensions of licenses and registrations. Page 35 (pdf)
    324.071 Reinstatement; renewal of license; reinstatement fee. Page 37 (pdf)
    324.091 Notice to department; notice to insurer. Page 38 (pdf)
    324.151 Motor vehicle liability policies; required provisions. Page 38 (pdf)
    324.161 Proof of financial responsibility; deposit. Page 41 (pdf)
    324.171 Self-insurer. Page 42 (pdf)
    324.242 Personal injury protection and property damage liability insurance policies; public records exemption. Page 44 (pdf)
    324.251 Short title. Page 44 (pdf)
    400.9905 Definitions. Page 44 (pdf)
    400.991 License requirements; background screenings; prohibitions. Page 53 (pdf)
    400.9935 Clinic responsibilities. Page 54 (pdf)
    409.901 Definitions; ss. 409.901-409.920. Page 55 (pdf)
    409.910 Responsibility for payments on behalf of Medicaid-eligible persons when other parties are liable. Page 56 (pdf)
    456.057 Ownership and control of patient records; report or copies of records to be furnished; disclosure of information. Page 57 (pdf)
    456.072 Grounds for discipline; penalties; enforcement. Page 57 (pdf)
    626.9541 Unfair methods of competition and unfair or deceptive acts or practices defined. Page 58 (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 65 (pdf)
    627.06501 Insurance discounts for certain persons completing driver improvement course. Page 67 (pdf)
    627.0651 Making and use of rates for motor vehicle insurance. Page 67 (pdf)
    627.0652 Insurance discounts for certain persons completing safety course. Page 68 (pdf)
    627.0653 Insurance discounts for specified motor vehicle equipment. Page 68 (pdf)
    627.4132 Stacking of coverages prohibited. Page 69 (pdf)
    627.4137 Disclosure of certain information required. Page 70 (pdf)
    627.7263 Rental and leasing driver’s insurance to be primary; exception. Page 71 (pdf)
    627.727 Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection. Page 71 (pdf)
    627.7275 Motor vehicle liability. Page 74 (pdf)
    627.7278 Page 76 (pdf)
    627.728 Cancellations; nonrenewals. Page 79 (pdf)
    627.7295 Motor vehicle insurance contracts. Page 80 (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 7 (pdf)
    627.734 Proof of security; security requirements; penalties. Page 7 (pdf)
    627.736 Required personal injury protection benefits; exclusions; priority; claims. Page 7 (pdf)
    627.737 Tort exemption; limitation on right to damages; punitive damages. Page 7 (pdf)
    627.739 Personal injury protection; optional limitations; deductibles. Page 7 (pdf)
    627.7401 Notification of insured’s rights. Page 7 (pdf)
    627.7403 Mandatory joinder of derivative claim. Page 7 (pdf)
    627.7405 Insurers’ right of reimbursement. Page 7 (pdf)
    627.7407 Application of the Florida Motor Vehicle No-Fault Law. Page 7 (pdf)
    627.7415 Commercial motor vehicles; additional liability insurance coverage. Page 83 (pdf)
    627.747 Named driver exclusion. Page 83 (pdf)
    627.748 Transportation network companies. Page 84 (pdf)
    627.7483 Peer-to-peer car sharing; insurance requirements. Page 89 (pdf)
    627.749 Autonomous vehicles; insurance requirements. Page 93 (pdf)
    627.8405 Prohibited acts; financing companies. Page 94 (pdf)
    627.915 Insurer experience reporting. Page 95 (pdf)
    628.909 Applicability of other laws. Page 96 (pdf)
    705.184 Derelict or abandoned motor vehicles on the premises of public-use airports. Page 97 (pdf)
    713.78 Liens for recovering, towing, or storing vehicles and vessels. Page 101 (pdf)
    817.234 False and fraudulent insurance claims. Page 104 (pdf)

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