Florida Statutes

Fla. Stat. § 626.9641 (2025)

Policyholders, bill of rights.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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626.9641 Policyholders, bill of rights.—

(1) The principles expressed in the following statements shall serve as standards to be followed by the department, commission, and office in exercising their powers and duties, in exercising administrative discretion, in dispensing administrative interpretations of the law, and in adopting rules:

(a) Policyholders shall have the right to competitive pricing practices and marketing methods that enable them to determine the best value among comparable policies.

(b) Policyholders shall have the right to obtain comprehensive coverage.

(c) Policyholders shall have the right to insurance advertising and other selling approaches that provide accurate and balanced information on the benefits and limitations of a policy.

(d) Policyholders shall have a right to an insurance company that is financially stable.

(e) Policyholders shall have the right to be serviced by a competent, honest insurance agent or broker.

(f) Policyholders shall have the right to a readable policy.

(g) Policyholders shall have the right to an insurance company that provides an economic delivery of coverage and that tries to prevent losses.

(h) Policyholders shall have the right to a balanced and positive regulation by the department, commission, and office.

(2) This section shall not be construed as creating a civil cause of action by any individual policyholder against any individual insurer.

History.—s. 9, ch. 76-260; s. 807, ch. 82-243; ss. 206, 207, ch. 90-363; s. 4, ch. 91-429; s. 1039, ch. 2003-261.

Notes of Decisions

Cited in 5 cases, 1983–2013 · leading case: Zarrella v. Pac. Life Ins., 755 F. Supp. 2d 1218 (S.D. Fla. 2010).

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Zarrella v. Pac. Life Ins., 755 F. Supp. 2d 1218 (S.D. Fla. 2010). “Count IX (Negligence Per Se) is DISMISSED with prejudice as to Florida Statutes § 626.9641(l)(a)l and (b)4; 7. Counts X and XI (Violations of the California UCL) are DISMISSED without prejudice; and 8.”

Hepler v. Atlas Mut. Ins. Co., 501 So. 2d 681 (Fla. 1st DCA 1987). · cites it 3× “" § 626.9641, Fla. Stat. (1983). Thus, to afford reasonable comparison of insurance costs free of coercion to continue with any particular insurer, information on the amount of the premium must be provided in a timely manner to the person purchasing insurance.”

Coira v. Florida Med. Ass'n, Inc., 429 So. 2d 23 (Fla. 3d DCA 1983). · cites it 2× “First, we agree with the trial court that Part VII of Chapter 626, Florida Statutes (Supp.”

Christopher B. Keehn, Stephanie K. Haley, Gordon Charles Keehn, Robert Franklin Keehn v. Carolina Cas. Ins. Co., 758 F.2d 1522 (11th Cir. 1985). · cites it 3× “In affirming the trial court’s granting of Summary Final Judgment in favor of the defendant insurer, the Court cited Cycle Dealers, supra, and Fla. Stat. § 626.9641 (2). The later statute provides that Fla.”

Negrete v. Allianz Life Ins. Co. of North Am., 927 F. Supp. 2d 870 (C.D. Cal. 2013). “155 (setting forth the specific provisions of the insurance code for which a civil action may be brought against an insurer); see also Fla Stat. § 626.9641 (setting forth a policyholder bill of rights, including “the right to insurance advertising and other selling approaches…”

— 626.9641(2) — 1 case

Coira v. Florida Med. Ass'n, Inc., 429 So. 2d 23 (Fla. 3d DCA 1983). “First, we agree with the trial court that Part VII of Chapter 626, Florida Statutes (Supp.”

— 626.9641(l)(a) — 1 case

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