Florida SB 522: Removal of Unknown Parties in Possession

Bill Text

522 
Motor Vehicle Insurance 
2025-11-17T10:22:36Z 
Repealing provisions which comprise the Florida Motor Vehicle No-Fault Law; revising garage liability insurance requirements for recreational vehicle dealer license applicants; revising minimum liability coverage requirements for motor vehicle owners or operators; revising requirements for motor vehicle liability policies relating to coverage, and exclusion from coverage, for certain drivers and vehicles; revising coverages that may provide for a reduction in motor vehicle insurance policy premium charges under certain circumstances; revising the legal liability of an uninsured motorist coverage insurer; providing a prohibition, requirements, applicability, and construction relating to motor vehicle insurance policies as of a certain date, etc. 
Original Filed Version 
2026 
S 
GB 
General Bill 
__ 

 Florida Senate - 2026 SB 522 

 By Senator Grall 

 29-00679A-26 2026522__ 
 1 A bill to be entitled 
 2 An act relating to motor vehicle insurance; repealing 
 3 ss. 627.730, 627.731, 627.7311, 627.732, 627.733, 
 4 627.734, 627.736, 627.737, 627.739, 627.7401, 
 5 627.7403, and 627.7405, F.S., which comprise the 
 6 Florida Motor Vehicle No-Fault Law; repealing s. 
 7 627.7407, F.S., relating to application of the Florida 
 8 Motor Vehicle No-Fault Law; amending s. 316.2122, 
 9 F.S.; conforming a provision to changes made by the 
 10 act; amending s. 316.646, F.S.; revising a requirement 
 11 for proof of security on a motor vehicle and the 
 12 applicability of the requirement; amending s. 318.18, 
 13 F.S.; conforming a provision to changes made by the 
 14 act; amending s. 320.02, F.S.; revising the motor 
 15 vehicle insurance coverages that an applicant must 
 16 show to register certain vehicles with the Department 
 17 of Highway Safety and Motor Vehicles; conforming a 
 18 provision to changes made by the act; revising 
 19 construction; amending s. 320.0609, F.S.; conforming a 
 20 provision to changes made by the act; amending s. 
 21 320.27, F.S.; defining the term “garage liability 
 22 insurance”; revising garage liability insurance 
 23 requirements for motor vehicle dealer license 
 24 applicants; conforming a provision to changes made by 
 25 the act; making technical changes; amending s. 
 26 320.771, F.S.; revising garage liability insurance 
 27 requirements for recreational vehicle dealer license 
 28 applicants; amending ss. 322.251 and 322.34, F.S.; 
 29 conforming provisions to changes made by the act; 
 30 amending s. 324.011, F.S.; revising legislative 
 31 purpose and intent; amending s. 324.021, F.S.; 
 32 revising definitions; revising minimum coverage 
 33 requirements for proof of financial responsibility for 
 34 specified motor vehicles; conforming provisions to 
 35 changes made by the act; defining the term “for-hire 
 36 passenger transportation vehicle”; amending s. 
 37 324.022, F.S.; revising minimum liability coverage 
 38 requirements for motor vehicle owners or operators; 
 39 revising authorized methods for meeting such 
 40 requirements; deleting a provision relating to an 
 41 insurer’s duty to defend certain claims; revising the 
 42 vehicles that are excluded from the definition of the 
 43 term “motor vehicle”; providing security requirements 
 44 for certain excluded vehicles; conforming provisions 
 45 to changes made by the act; amending s. 324.0221, 
 46 F.S.; revising coverages that subject a policy to 
 47 certain insurer reporting and notice requirements; 
 48 conforming provisions to changes made by the act; 
 49 creating s. 324.0222, F.S.; providing that driver 
 50 license or motor vehicle registration suspensions for 
 51 failure to maintain required security which are in 
 52 effect before a specified date remain in full force 
 53 and effect; authorizing drivers to reinstate suspended 
 54 licenses or registrations as provided in a specified 
 55 section; amending s. 324.023, F.S.; conforming cross 
 56 references; amending s. 324.031, F.S.; specifying a 
 57 method of proving financial responsibility by owners 
 58 or operators of motor vehicles other than for-hire 
 59 passenger transportation vehicles; revising the 
 60 required and maximum amounts of a certificate of 
 61 deposit required to elect a certain method of proof of 
 62 financial responsibility; revising liability coverage 
 63 requirements for a person electing to use such method; 
 64 amending s. 324.032, F.S.; revising financial 
 65 responsibility requirements for owners or lessees of 
 66 for-hire passenger transportation vehicles; amending 
 67 s. 324.051, F.S.; making technical changes; specifying 
 68 that motorcycles are included in the definition of the 
 69 term “motor vehicles” for purposes of the section; 
 70 amending ss. 324.071 and 324.091, F.S.; making 
 71 technical changes; amending s. 324.151, F.S.; revising 
 72 requirements for motor vehicle liability policies 
 73 relating to coverage, and exclusion from cover