Florida Statutes
Fla. Stat. § 626.9702 (2025)
Illegal dealings in premiums; excess charges for insurance.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
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626.9702 Illegal dealings in premiums; excess charges for insurance.—
(1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was convicted of one or more traffic violations which do not involve an accident or do not cause revocation or suspension of the driving privileges of the insured, without adequate proof of a direct, demonstrable, objective relationship between the violation for which the surcharge was imposed and the increased risk of highway accidents.
(2) No insurer shall cancel or otherwise terminate any automobile insurance contract with an insured after the insured has paid the premiums on such policy for 5 years or more solely because the insured is involved in a single traffic accident.
(3) Any person or organization which violates any provision of this section shall be subject to the penalties provided in s. 627.381.
Notes of Decisions
Cited in 3
cases, 1982–1992 · leading case: Sentry Ins. v. Brown, 424 So. 2d 780 (Fla. 1st DCA 1982).
Sentry Ins. v. Brown, 424 So. 2d 780 (Fla. 1st DCA 1982). “" In 1977, the legislature enacted Section 626.9702, Florida Statutes (ch. 77-158, § 1, Laws of Florida), providing: (1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was…”
Lidsky v. State Farm Fire & Cas. Co., 604 So. 2d 869 (Fla. 1st DCA 1992). “§ 626.9702(1), Fla.Stat. (1987). Finally, an insurance carrier cannot refuse to renew a policy solely because an insured was involved in an automobile accident unless the insurer has incurred a loss under its policy (other than with respect to uninsured mo *871 torist coverage)…”
Rodriguez v. Com. Union Ins. Co., 449 So. 2d 375 (Fla. 4th DCA 1984). “Section 626.9702(1), Florida Statutes (1983) provides: (1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was convicted of one or more traffic violations which do not involve…”
— 626.9702(1) — 3 cases
Sentry Ins. v. Brown, 424 So. 2d 780 (Fla. 1st DCA 1982). “" In 1977, the legislature enacted Section 626.9702, Florida Statutes (ch. 77-158, § 1, Laws of Florida), providing: (1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was…”
Lidsky v. State Farm Fire & Cas. Co., 604 So. 2d 869 (Fla. 1st DCA 1992). “§ 626.9702(1), Fla.Stat. (1987). Finally, an insurance carrier cannot refuse to renew a policy solely because an insured was involved in an automobile accident unless the insurer has incurred a loss under its policy (other than with respect to uninsured mo *871 torist coverage)…”
Rodriguez v. Com. Union Ins. Co., 449 So. 2d 375 (Fla. 4th DCA 1984). “Section 626.9702(1), Florida Statutes (1983) provides: (1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was convicted of one or more traffic violations which do not involve…”
— 626.9702(2) — 1 case
Sentry Ins. v. Brown, 424 So. 2d 780 (Fla. 1st DCA 1982). “" In 1977, the legislature enacted Section 626.9702, Florida Statutes (ch. 77-158, § 1, Laws of Florida), providing: (1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was…”
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