Repeal of Florida Motor Vehicle No-Fault Law
December 15, 2025
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Where This Stands
Currently Died in Civil Justice & Claims Subcommittee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
6 actions- Jan 13, 2026HouseIntroduced1st Reading (Original Filed Version)
- Jan 5, 2026HouseNow in Civil Justice & Claims Subcommittee
- Jan 5, 2026HouseCommitteeReferred to Judiciary Committee
- Jan 5, 2026HouseCommitteeReferred to Insurance & Banking Subcommittee
- Jan 5, 2026HouseCommitteeReferred to Civil Justice & Claims Subcommittee
- Dec 15, 2025HouseIntroducedFiled
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →The Frame
Starting January 1, 2027, all Florida drivers will be required to carry bodily injury and insurance, as the state's no-fault insurance system and PIP coverage will be eliminated.
Potentially affected actors named in the source documents. Mention is not a position.
Florida drivers
Must transition from PIP coverage to mandatory bodily injury and property damage liability insurance.
Motor vehicle insurers
Must update policy offerings, notify customers, and file new rates with the state.
Motor vehicle dealers
Must meet new garage liability insurance requirements of $60,000.
Health care clinics
Subject to revised licensure and fraud prevention requirements related to insurance claims.
Current stage: Died in Civil Justice & Claims Subcommittee.
Floor Vote.
Summary
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Will I still need to buy PIP insurance after January 1, 2027?
What happens to my current insurance policy if it includes PIP?
What are the new minimum insurance requirements?
Why It Matters
Starting January 1, 2027, all Florida drivers will be required to carry bodily injury and insurance, as the state's no-fault insurance system and PIP coverage will be eliminated.
News Coverage
Lobbying Activity
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2022
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. Issues relating to automobile insurance.”
1607 STRATEGIES, LLC
on behalf of American Property Casualty Insurance Association
2022
“Issues relating to the reauthorization of the National Flood Insurance Program and other issues related to flood insurance products. Marijuana impairment research. S. 2428, False Claims Amendments Act of 2021, provisions affecting tort liability. Issues relating to cyber insurance. H.R. 1996, Secure and Fair Enforcement Banking Act of 2021, provisions relating to insurance of cannabis businesses.”
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
End of No-Fault System
The bill marks a complete transition from a no-fault insurance model to a tort-based liability model for all Florida drivers.
Connected Entities
Sources
openstates.org
Analysis Score
0–100- Significance95How much this matters to a regular citizen
- Controversy85Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
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