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Florida auto insurance requirements 2026

Florida PIP Repeal: What's Been Proposed

Florida lawmakers have repeatedly proposed ending no-fault PIP auto insurance. Here's what the legislation would change and how to prepare.

Key Takeaways: Florida PIP Repeal Proposals

  • Multiple bills have proposed ending Florida's no-fault PIP system and shifting to a fault-based model — but none have been signed into law as of April 2026.
  • Proposed new minimums would be $25,000/$50,000 bodily injury and $10,000 property damage (up from current $10,000/$20,000 BI).
  • Recent proposals include HB 1181 (2025), SB 1256 (2025), and SB 522 (2026) — all died in committee.
  • If a repeal passes, insurers would be required to offer MedPay coverage as a replacement safety net.
  • Regardless of legislation, reviewing your policy and considering higher liability limits is always smart planning.

What Is PIP and Why Do Lawmakers Want to Repeal It?

Personal Injury Protection (PIP) has been a cornerstone of Florida auto insurance since 1971, codified under Florida Statute 627.736. Under Florida's no-fault system, your own insurance covers your medical expenses and lost wages after an accident, regardless of who caused it. This includes up to $10,000 in medical benefits and $60 per week in wage loss coverage.

Florida adopted the no-fault model to speed up claim settlements and reduce litigation. The theory was sound: instead of fighting over fault, injured drivers get quick coverage from their own insurer.

However, decades of experience revealed challenges. PIP fraud and abuse—particularly in staged accidents and excessive medical billing—drove up costs for everyone. Medical providers sometimes over-billed for minor injuries, and insurers spent resources fighting questionable claims rather than paying legitimate ones.

The Florida Legislature has introduced PIP repeal bills in multiple sessions, including HB 1181 (2025), SB 1256 (2025), and SB 522 (2026). Each bill proposed transitioning Florida to a traditional at-fault system, similar to most other states. Under an at-fault system, the driver responsible for an accident would bear liability for the damages, and the injured party would pursue a claim against the at-fault driver's liability insurance. As of April 2026, none of these bills have been signed into law, and PIP remains mandatory.

Proponents argue a repeal would reduce fraud, lower costs, and give injured drivers the option to sue for damages including pain and suffering and non-economic losses—protections not available under the current PIP system.

What Would Change Under Proposed Legislation

CoverageCurrent LawProposed
Bodily Injury Liability$10,000 / $20,000$25,000 / $50,000
Property Damage Liability$10,000$10,000 (unchanged)
PIP CoverageRequired ($10,000 minimum)No longer available / required
Medical Payments CoverageOptionalInsurers must offer
Claim SystemNo-faultAt-fault

Proposed: Insurer Notification

Under proposed legislation, insurers would need to notify policyholders about the repeal and explain new coverage options before the effective date.

Status: Not Yet Enacted

As of April 2026, PIP remains required. No repeal bill has passed both chambers and been signed by the governor. We will update this guide if legislation is enacted.

Proposed Minimum Coverage Requirements

$25K

Per Person BI

Proposed minimum bodily injury liability per injured person. Would cover medical expenses, lost wages, and pain and suffering caused by your accident.

$50K

Per Incident BI

Total bodily injury liability per accident. If multiple people are injured, this limit applies to all of them combined.

$10K

Property Damage

Property damage liability would remain unchanged. Covers damage to other vehicles and property caused by your accident.

Example: How 25/50/10 Works

You cause a multi-car accident. One driver suffers $30,000 in medical expenses. Your $25,000 per-person limit covers only that amount; they must sue for the remaining $5,000. If two people are injured and total expenses are $80,000, your $50,000 per-incident limit is the maximum your insurance pays, regardless of how many people were hurt.

This is why many independent agents recommend higher limits for better protection.

No-Fault vs. At-Fault: What This Means for You

Current System: No-Fault (PIP)

  • Your own insurance pays for your medical bills regardless of fault
  • You recover lost wages (up to $60/week) through your PIP
  • You cannot sue for pain and suffering or damages
  • Claims settle faster; less litigation

Proposed System: At-Fault (Tort-Based)

  • At-fault driver's insurance would pay for injured parties' damages
  • Injured drivers could sue for pain and suffering, lost wages, and medical expenses
  • You would rely on medical payments coverage or your health insurance for immediate medical bills
  • Fault determination would be critical to recovery and liability

Key Difference: Under a proposed at-fault system, if you are injured in an accident caused by another driver, you would have the right to sue for damages including pain and suffering—protections not available under the current no-fault system. However, you would also need to carry adequate liability insurance to protect yourself if you cause an accident.

How to Prepare for Possible Changes

1

Review Your Current Policy

Locate your declarations page and note your current coverage limits. Verify your liability limits meet the current minimums ($10K/$20K BI, $10K PD).

2

Understand Your PIP Coverage

Check your current PIP limit (usually $10,000). Understand how PIP has worked for you in past claims, if any. If a repeal passes, this coverage would go away.

3

Consider Medical Payments Coverage

Ask about MedPay ($5,000 or $10,000 limits). This covers your medical expenses with no deductible, regardless of fault, and provides a safety net if you're injured.

4

Evaluate Higher Liability Limits

Even current minimums may not be enough for a serious accident. Consider 50/100/25 or higher based on your assets and risk tolerance — regardless of whether PIP is repealed.

5

Check Uninsured/Underinsured Motorist Coverage

UM/UIM coverage protects you if hit by an uninsured or underinsured driver. Strongly consider carrying this coverage at least equal to your liability limits.

6

Contact an Agent for Guidance

An independent agent can review your situation, explain options, and help you navigate the transition with confidence.

How a Repeal Could Affect Premiums

A shift from no-fault to at-fault would affect premiums, but the direction would vary by driver and situation. Some drivers would pay more, others less.

Premiums Could Increase

  • •Higher liability limits (25/50/10 vs. 10/20/10) cost more
  • •Adding or increasing MedPay or UM/UIM coverage adds premium
  • •At-fault system increases insurer risk, potentially raising rates

Premiums Could Decrease

  • •Dropping PIP coverage reduces premium cost
  • •Reduced fraud and abuse in at-fault system may lower rates over time
  • •Some insurers may offer rate reductions to encourage adoption

The Bottom Line

If a repeal passes, premiums would vary significantly by individual. An insured with a clean driving record who drops PIP but increases liability limits might see a net decrease. An insured with a history of claims might see an increase. Age, vehicle type, coverage options, and location all matter.

Regardless of legislative changes, the best approach is always to shop around and compare quotes from multiple insurers to find competitive rates for the coverage you need.

Recommended Coverage Levels

Whether minimums stay at 10/20/10 or increase to a proposed 25/50/10, an independent agent would typically recommend higher limits based on your assets, income, and driving environment. These recommendations are not financial advice but reflect industry best practices.

Moderate Risk Profile

$50,000 / $100,000 BI

Provides meaningful protection without excessive cost

$25,000 PD

Higher property damage limits

$5,000–$10,000 MedPay

Covers immediate medical expenses

$50,000 / $100,000 UM/UIM

Protection against uninsured drivers

Higher Asset Owners

$100,000 / $300,000 BI

Protects significant assets from liability exposure

$50,000 PD

Substantial property damage protection

$10,000 MedPay

Maximum coverage for medical expenses

$100,000 / $300,000 UM/UIM

Comprehensive uninsured motorist protection

Why Higher Limits Matter

A single accident with serious injuries or multiple vehicles can quickly exceed minimum coverage limits. If you are found at fault and your liability limits are exhausted, you become personally liable for the difference. Lawsuits can pursue your wages, assets, and savings. Higher limits provide critical protection and peace of mind.

Medical costs are also unpredictable. MedPay provides immediate coverage for your medical bills, and UM/UIM protects you if the other driver is uninsured or underinsured.

Frequently Asked Questions

Personal Injury Protection (PIP) has been Florida's no-fault insurance requirement since 1971, as established under Florida Statute 627.736. Under the no-fault system, your own insurance covers your medical expenses and lost wages after an accident, regardless of who caused it. PIP includes up to $10,000 in medical expenses and $60 per week in lost wages. Florida adopted this system to speed up claim resolution and reduce litigation. Multiple legislative efforts have proposed replacing it with an at-fault system with higher liability limits.
As of April 2026, no PIP repeal bill has been signed into law. The Florida Legislature has introduced PIP repeal bills in multiple sessions — including HB 1181 and SB 1256 in 2025, and SB 522 in 2026 — but none have passed both chambers and been signed by the governor. PIP coverage remains mandatory under current Florida law. This guide explains the proposed changes so you can prepare if legislation does pass in a future session.
Recent PIP repeal bills have proposed new minimums of $25,000 bodily injury liability per person, $50,000 bodily injury liability per incident, and $10,000 property damage liability. These would increase from the current $10,000/$20,000 BI and $10,000 PD requirements. Liability coverage covers damages you cause to others in an accident.
Under no-fault, your insurance covers you first regardless of who caused the accident. Under a proposed at-fault system, the at-fault driver's insurance would cover the injured parties' damages. If you caused an accident, your liability insurance would need to cover medical expenses, lost wages, and pain and suffering for injured parties up to your policy limits. If you were injured by another driver, you would pursue a claim against their liability insurance.
Under current law, MedPay is optional. Proposed PIP repeal legislation would require insurers to offer MedPay at $5,000 and $10,000 limits with $5,000 minimum death benefit. Even under current law, MedPay is worth considering — it covers your medical expenses regardless of fault and has no deductible, making it valuable for uninsured/underinsured motorist situations.
Premium changes would vary by individual. Some drivers might see increases because higher liability limits cost more. Others could see decreases by no longer paying for PIP coverage. Factors affecting your rates include driving record, age, vehicle type, coverage limits chosen, and location. An independent agent can review your situation to find the best balance of coverage and cost.
Regardless of whether PIP is repealed, reviewing your auto coverage is always a smart move. Consider whether your current liability limits are adequate. Evaluate adding or increasing uninsured/underinsured motorist coverage to protect yourself if hit by an uninsured driver. Consider MedPay for additional medical protection. Contact an agent to discuss whether higher liability limits make sense for your situation.
The proposed minimums would be a significant increase from current requirements, but they may not be sufficient if you cause a serious accident with multiple injuries or substantial property damage. Many independent agents recommend considering 50/100/25 or higher limits for better protection against catastrophic claims.

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Want to Review Your Coverage?

An independent agent can review your current auto coverage, explain what proposed changes could mean for you, and help you find the right balance of protection and cost.

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