Florida Statute 627.412 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.412 Standard provisions, in general.—

(1) Insurance contracts shall contain such standard or uniform provisions as are required by the applicable provisions of this code pertaining to contracts of particular kinds of insurance. The office may waive the required use of a particular provision in a particular insurance policy form if:

(a) It finds such provision unnecessary for the protection of the insured and inconsistent with the purposes of the policy; and

(b) The policy is otherwise approved by it.

(2) No policy shall contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the office may approve any substitute provision which is, in its opinion, not less favorable in any particular to the insured or beneficiary than the provisions otherwise required.

(3) In lieu of the provisions required by this code for contracts for particular kinds of insurance, substantially similar provisions required by the law of the domicile of a foreign or alien insurer may be used when approved by the office.

History.—s. 461, ch. 59-205; ss. 13, 35, ch. 69-106; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318; s. 1116, ch. 2003-261.

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Amendments to 627.412

Annotations, Discussions, Cases:

Cases Citing Statute 627.412

Total Results: 5

Metro. Property and Liability Ins. Co. v. Gray

446 So. 2d 216

District Court of Appeal of Florida | Filed: Mar 1, 1984 | Docket: 1780077

Cited 19 times | Published

severable contract and further assuming that under section 627.412(1), Fla. Stat., the provisions of section 627

Kaklamanos v. Allstate Ins. Co.

796 So. 2d 555, 2001 WL 838198

District Court of Appeal of Florida | Filed: Jul 26, 2001 | Docket: 1249925

Cited 10 times | Published

So.2d 506, 507 (Fla. 4th DCA 1991); see also § 627.412(2), Fla. Stat. (1997) ("No policy shall contain

MacKenzie v. Avis Rent-A-Car Systems, Inc.

369 So. 2d 647

District Court of Appeal of Florida | Filed: Apr 3, 1979 | Docket: 470947

Cited 6 times | Published

Ins. Co., 258 So.2d 277 (Fla.3d DCA 1972); Section 627.412, Florida Statutes (1975) ("Insurance contracts

Travelers Indem. Co. v. Suazo

614 So. 2d 1071, 18 Fla. L. Weekly Supp. 9, 1992 Fla. LEXIS 2123

Supreme Court of Florida | Filed: Dec 24, 1992 | Docket: 1509813

Cited 2 times | Published

be construed to provide the greater coverage. § 627.412, Fla. Stat. (1989); Mullis v. State Farm Mut.

Suazo Ex Rel. Suazo v. Del Busto

587 So. 2d 480, 1991 WL 152939

District Court of Appeal of Florida | Filed: Nov 5, 1991 | Docket: 1405773

Cited 1 times | Published

can be only $10,000. The Suazos contend that section 627.412(1), Florida Statutes (1989), requires all insurance

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.