Florida Statute 627.412 - Full Text and Legal Analysis

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.

Cases Citing F.S. 627.412

Fla. Stat. § 627.412 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
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·Metro. Prop. & Liab. Ins. Co. v. Gray, 446 So. 2d 216 (Fla. 5th DCA 1984).
Cited 19 times | Published | Florida 5th District Court of Appeal
...independent contract of insurance. Assuming that the endorsement which added James Gray as an additional named driver to Richard Gray's policy of insurance constituted the issuance of a separate and severable contract and further assuming that under section 627.412(1), Fla....
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Cited as authorityCorrea (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2009)
phrase: "rule_authority"
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·Kaklamanos v. Allstate Ins. Co., 796 So. 2d 555 (Fla. 1st DCA 2001).
Cited 10 times | Published | Florida 1st District Court of Appeal | 2001 WL 838198
...be construed and applied in accordance with such conditions and provisions as would have applied had such policy... been in full compliance with this code." § 627.418(1), Fla. Stat. (1997). See State Farm Mut. Auto. Ins. Co. v. Swearingen, 590 So.2d 506, 507 (Fla. 4th DCA 1991); see also § 627.412(2), Fla....
0 red0 yellow9 green0 procedural
Cited as authority(citing case) (2018)
phrase: "rule_authority"
Cited as authorityHausler (2012)
phrase: "rule_authority"
Approved(citing case) (2006)
phrase: "approved by"
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·MacKenzie v. Avis Rent-A-Car Sys., Inc., 369 So. 2d 647 (Fla. 3d DCA 1979).
Cited 6 times | Published | Florida 3rd District Court of Appeal
...uninsured motorist coverage is intended by the statute to be uniform and standard motor vehicle accident liability insurance ..." Mullis v. State Farm Mutual Auto. Ins. Co., 252 So.2d 229, 238 (Fla. 1971). See also Weathers v. Mission Ins. Co., 258 So.2d 277 (Fla.3d DCA 1972); Section 627.412, Florida Statutes (1975) ("Insurance contracts shall contain ......
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Cited as authorityMcSorley (1994)
phrase: "rule_authority"
Cited as authorityHartz (1991)
phrase: "rule_authority"
Cited as authorityZarate (1984)
phrase: "rule_authority"
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·Suazo Ex Rel. Suazo v. Del Busto, 587 So. 2d 480 (Fla. 3d DCA 1991).
Cited 1 times | Published | Florida 3rd District Court of Appeal | 1991 WL 152939
...in damages. Del Busto argues that under its policy with Travelers Insurance Company liability is limited to $10,000 per person or $300,000 per occurrence, therefore, the Suazo's recovery under the policy can be only $10,000. The Suazos contend that section 627.412(1), Florida Statutes (1989), requires all insurance contracts to contain provisions mandated by the insurance code and that an insurance policy not in compliance with the insurance code must be construed and applied as if it were in full compliance....
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Cited as authorityMoore (2010)
phrase: "rule_authority"
Cited as authorityCharlebois (1993)
phrase: "rule_authority"
Cited as authoritySuazo (1992)
phrase: "rule_authority"
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Travelers Indem. Co. v. Suazo, 614 So. 2d 1071 (Fla. 1992).
Cited 2 times | Published | Supreme Court of Florida | 18 Fla. L. Weekly Supp. 9, 1992 Fla. LEXIS 2123
...1989)? Suazo v. Del Busto, 587 So.2d at 483. Travelers' policy clearly provides coverage of only $10,000 per person. However, if the law requires greater liability coverage to be offered, the policy must be construed to provide the greater coverage. § 627.412, Fla....

This Florida statute resource is curated by this site's author, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.

Florida/Georgia Personal Injury & Workers Compensation

Cases Citing F.S. 627.412

·Metro. Prop. & Liab. Ins. Co. v. Gray, 446 So. 2d 216 (Fla. 5th DCA 1984).

·Kaklamanos v. Allstate Ins. Co., 796 So. 2d 555 (Fla. 1st DCA 2001).

·MacKenzie v. Avis Rent-A-Car Sys., Inc., 369 So. 2d 647 (Fla. 3d DCA 1979).

·Suazo Ex Rel. Suazo v. Del Busto, 587 So. 2d 480 (Fla. 3d DCA 1991).

Travelers Indem. Co. v. Suazo, 614 So. 2d 1071 (Fla. 1992).