{
  "$schema": "https://bestinsuranceresearch.com/llms-full.txt",
  "recordType": "question",
  "id": "did-florida-repeal-no-fault",
  "canonicalUrl": "https://bestinsuranceresearch.com/questions/did-florida-repeal-no-fault",
  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-07",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "question": "Did Florida repeal no-fault insurance?",
  "aliases": [
    "Florida no fault repealed PIP",
    "is PIP still required in Florida",
    "Florida SB 54 vetoed no fault",
    "Florida HB 1181 2025 no fault repeal",
    "did Florida get rid of personal injury protection"
  ],
  "directAnswer": "No. Two attempts have failed and the Florida Motor Vehicle No-Fault Law is still in place. CS/CS/SB 54 in 2021 was titled Motor Vehicle Insurance and its description included repealing the provisions comprising the No-Fault Law; the Senate's bill history records that it was vetoed by the Governor on June 29, 2021. HB 1181 in 2025 would have repealed provisions relating to application of the law and was indefinitely postponed and withdrawn from consideration, dying in committee.",
  "assumes": [
    "You are asking about the statutory requirement rather than about any particular insurer's product.",
    "The question concerns Florida personal auto insurance, which is where the No-Fault Law operates.",
    "The position is as the bill histories record it on the access date; a later session could change it."
  ],
  "whatChangesTheAnswer": [
    "A future legislative session. Both attempts recorded here failed, but this is a question about the current state of the law rather than a permanent answer.",
    "Nothing about any particular policy. The requirement is statutory and applies to the owner or registrant of a vehicle required to be registered in Florida.",
    "Whether you are reading about the bill or about the law, which is the distinction that produces the confusion."
  ],
  "variability": [
    "This records the position as the Florida Senate's own bill histories state it on the access date. Confirm the current law before relying on it for a decision.",
    "Bill histories describe what happened procedurally. They do not describe what a repeal would have done had it taken effect, and this record does not either.",
    "Other states have their own no-fault positions, and several have repealed or never adopted one."
  ],
  "nextActions": [
    "Treat PIP as required and act on its conditions, in particular getting initial services and care within 14 days of an accident.",
    "Check any article claiming repeal against the bill history itself, since both bills are traceable and both failed.",
    "Confirm your own policy carries the required security, which is a statutory obligation of the owner or registrant.",
    "If a decision turns on this, verify the current session's bills rather than relying on a record with an access date."
  ],
  "confidence": "changing",
  "reviewState": "under-review",
  "classification": {
    "family": "personal",
    "lines": [
      "auto"
    ],
    "states": [
      "FL"
    ],
    "audience": "individual",
    "topics": [
      "florida",
      "no-fault",
      "pip",
      "legislation",
      "auto"
    ]
  },
  "effectiveDate": "2026-09-06",
  "lastReviewed": "2026-09-06",
  "author": "Aaron Bollinger",
  "reviewer": "Brian Bollinger",
  "sourceIds": [
    "fl-sb-54-2021-bill",
    "fl-hb1181-2025-bill",
    "fl-stat-627-733",
    "fl-stat-627-736"
  ],
  "sources": [
    {
      "id": "fl-sb-54-2021-bill",
      "title": "Florida SB 54 (2021) - Motor Vehicle Insurance, bill history",
      "publisher": "The Florida Senate (flsenate.gov)",
      "url": "https://www.flsenate.gov/Session/Bill/2021/54",
      "sourceType": "legislative-record",
      "jurisdiction": "FL",
      "authorityLevel": "primary-law",
      "primary": true,
      "publishedDate": "unknown",
      "effectiveDate": "n/a",
      "accessedDate": "2026-08-31",
      "lastChecked": "2026-09-01",
      "updateCadence": "Static bill history; check each Florida session for new repeal attempts.",
      "status": "not-adopted",
      "supportsClaims": [
        "CS/CS/SB 54 (2021) was titled Motor Vehicle Insurance and its description includes repealing provisions which comprise the Florida Motor Vehicle No-Fault Law.",
        "The Senate's bill history for CS/CS/SB 54 shows an entry dated June 29, 2021 reading that the bill was vetoed by the Governor, with companion bills passed, see CS/SB 420 (Ch. 2021-96).",
        "The bill history shows a veto message received entry dated November 12, 2021 and a veto message transmitted to the Secretary of State entry dated March 15, 2022."
      ]
    },
    {
      "id": "fl-hb1181-2025-bill",
      "title": "Florida HB 1181 (2025) - Motor Vehicle Insurance, bill history",
      "publisher": "The Florida Senate (flsenate.gov)",
      "url": "https://www.flsenate.gov/Session/Bill/2025/1181",
      "sourceType": "legislative-record",
      "jurisdiction": "FL",
      "authorityLevel": "primary-law",
      "primary": true,
      "publishedDate": "unknown",
      "effectiveDate": "n/a",
      "accessedDate": "2026-08-31",
      "lastChecked": "2026-09-01",
      "updateCadence": "Bill-specific; check each Florida session for enacted changes.",
      "status": "not-adopted",
      "supportsClaims": [
        "Florida HB 1181 (2025) was titled Motor Vehicle Insurance and would have repealed provisions relating to application of the Florida Motor Vehicle No-Fault Law and revised motor vehicle insurance coverages, with a proposed effective date of July 1, 2026.",
        "HB 1181 (2025) was indefinitely postponed and withdrawn from consideration on May 3, 2025 and died in the Judiciary Committee on June 16, 2025."
      ]
    },
    {
      "id": "fl-stat-627-733",
      "title": "Florida Statutes Section 627.733 (2026) - Required security",
      "publisher": "The Florida Senate (flsenate.gov)",
      "url": "https://www.flsenate.gov/laws/statutes/2026/627.733",
      "sourceType": "statute",
      "jurisdiction": "FL",
      "authorityLevel": "primary-law",
      "primary": true,
      "publishedDate": "unknown",
      "effectiveDate": "n/a",
      "accessedDate": "2026-08-31",
      "lastChecked": "2026-08-31",
      "updateCadence": "Re-verify each Florida legislative session.",
      "status": "active",
      "supportsClaims": [
        "Section 627.733(1) provides that every owner or registrant of a motor vehicle, other than a motor vehicle used as a school bus or limousine, required to be registered and licensed in Florida shall maintain security as required by subsection (3) in effect continuously throughout the registration or licensing period.",
        "Section 627.733(1) provides that owners of taxicabs are governed by the requirements of section 324.032(1) instead.",
        "Section 627.733(3) provides that the required security may be provided by an insurance policy delivered or issued for delivery in Florida by an authorized or eligible motor vehicle liability insurer which provides the benefits and exemptions contained in sections 627.730 through 627.7405.",
        "Section 627.733(3) also provides that the security may be provided by any other method authorized by section 324.031(2) or (3) and approved by the Department of Highway Safety and Motor Vehicles as affording security equivalent to that afforded by a policy of insurance, or by self-insuring."
      ]
    },
    {
      "id": "fl-stat-627-736",
      "title": "Florida Statutes Section 627.736 (2026) - Required personal injury protection benefits",
      "publisher": "The Florida Senate (flsenate.gov)",
      "url": "https://www.flsenate.gov/laws/statutes/2026/627.736",
      "sourceType": "statute",
      "jurisdiction": "FL",
      "authorityLevel": "primary-law",
      "primary": true,
      "publishedDate": "unknown",
      "effectiveDate": "n/a",
      "accessedDate": "2026-08-31",
      "lastChecked": "2026-08-31",
      "updateCadence": "Re-verify each Florida legislative session; PIP repeal bills are filed regularly.",
      "status": "active",
      "supportsClaims": [
        "Florida's required personal injury protection benefit is $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury.",
        "Florida PIP medical benefits apply if the injured individual receives initial services and care within 14 days after the motor vehicle accident.",
        "Florida PIP medical reimbursement is limited to $2,500 if a qualified provider determines that the injured person did not have an emergency medical condition."
      ]
    }
  ],
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}