Florida HB 769: Motor Vehicle Insurance

Bill Text

HB 769 2026

CODING: Words stricken are deletions; words underlined are additions.
hb769-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

A bill to be entitled 1
An act relating to motor vehicle insurance; repealing 2
ss. 627.730, 627.731, 627.7311, 627.732, 627.733, 3
627.734, 627.736, 627.737, 627.739, 627.7401, 4
627.7403, and 627.7405, F.S., which comprise the 5
Florida Motor Vehicle No-Fault Law; repealing s. 6
627.7407, F.S., relating to application of the Florida 7
Motor Vehicle No-Fault Law; amending s. 316.2122, 8
F.S.; conforming a provision to changes made by the 9
act; amending s. 316.646, F.S.; revising a requirement 10
for proof of security on a motor vehicle and the 11
applicability of the requirement; amending s. 318.18, 12
F.S.; conforming a provision to changes made by the 13
act; amending s. 320.02, F.S.; revising the motor 14
vehicle insurance coverages that an applicant must 15
show to register certain vehicles with the Department 16
of Highway Safety and Motor Vehicles; revising 17
construction; amending s. 320.0609, F.S.; conforming a 18
provision to changes made by the act; amending s. 19
320.27, F.S.; defining the term "garage liability 20
insurance"; revising garage liability insurance 21
requirements for motor vehicle dealer license 22
applicants; amending s. 320.771, F.S.; revising garage 23
liability insurance requirements for recreational 24
vehicle dealer license applicants; amending ss. 25

HB 769 2026

CODING: Words stricken are deletions; words underlined are additions.
hb769-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

322.251 and 322.34, F.S.; conforming provisions to 26
changes made by the act; amending s. 324.011, F.S.; 27
revising legislative purpose and intent; amending s. 28
324.021, F.S.; revising definitions; revising minimum 29
coverage requirements for proof of financial 30
responsibility for specified motor vehicles; defining 31
the term "for-hire passenger transportation vehicle"; 32
amending s. 324.022, F.S.; revising minimum liability 33
coverage requirements for motor vehicle owners or 34
operators; revising authorized methods for meeting 35
such requirements; removing a provision relating to an 36
insurer's duty to defend certain claims; revising the 37
vehicles that are excluded from the definition of the 38
term "motor vehicle"; providing security requirements 39
for certain excluded vehicles; amending s. 324.0221, 40
F.S.; revising coverages that subject a policy to 41
certain insurer reporting and notice requirements; 42
creating s. 324.0222, F.S.; providing that driver 43
license or motor vehicle registration suspensions for 44
failure to maintain required security which are in 45
effect before a specified date remain in full force 46
and effect; authorizing drivers to reinstate suspended 47
licenses or registrations as provided in a specified 48
section; amending s. 324.023, F.S.; conforming cross-49
references; amending s. 324.031, F.S.; specifying a 50

HB 769 2026

CODING: Words stricken are deletions; words underlined are additions.
hb769-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

method of proving financial responsibility by owners 51
or operators of motor vehicles other than for-hire 52
passenger transportation vehicles; revising the 53
required and maximum amounts of a certificate of 54
deposit required to elect a certain method of proof of 55
financial responsibility; revising liability coverage 56
requirements for a person electing to use such method; 57
amending s. 324.032, F.S.; revising financial 58
responsibility requirements for owners or lessees of 59
for-hire passenger transportation vehicles; amending 60
s. 324.051, F.S.; specifying that motorcycles are 61
included in the definition of the term "motor 62
vehicles" for purposes of the section; amending ss. 63
324.071 and 324.091, F.S.; making technical changes; 64
amending s. 324.151, F.S.; revising requirements for 65
motor vehicle liability policies relating to coverage, 66
and exclusion from coverage, for certain drivers and 67
vehicles; providing definitions; amending s. 324.161, 68
F.S.; revising requirements for a certificate of 69
deposit that is required if a person elects a certain 70
method of proving financial responsibility; amending 71
s. 324.171, F.S.; revising the minimum net worth 72
requirements to qualify certain persons as self-73
insurers; amending s. 324.242, F.S.; conforming 74
provisions to changes made by the act; amending s. 75

HB 769 2026

CODING: Words stricken are deletions; words underlined are additions.
hb769-00
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F L O R I D A H O U S E O F R E P R E S E N T A T I V E S

324.251, F.S.; revising a short title and an effective 76
date; amending s. 400.9905, F.S.; revising the 77
definition of the term "clinic"; amending ss. 400.991 78
and 400.9935, F.S.; conforming provisions to changes 79
made by the act; amending s. 409.901, F.S.; revising 80
the defin