Florida Senate Mulls Repeal of No-fault

Senate Bill 54 would repeal the state’s current no-fault law.
January 27, 2021

A bill filed in the Florida State Senate would repeal the state’s current no-fault law requiring drivers to carry personal-injury protection (PIP) insurance coverage. The proposed law would instead require drivers to carry bodily injury liability coverage. If passed, Senate Bill 54 would also establish a new framework to resolve “bad faith failure to settle” disputes stemming from auto insurance claims.

Insurance Information Institute (Triple-I) spokesperson Mark Friedlander said repealing and replacing PIP has been addressed during the last several Florida legislative sessions with numerous bills introduced in both the Senate and House, but none have been passed by the full Legislature. He added that Florida has the third-highest average auto premium in the U.S. and efficacy studies show conflicting results on how a PIP repeal may benefit consumers.


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