Florida Statutes
Fla. Stat. § 627.412 (2025)
Standard provisions, in general.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
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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.
Notes of Decisions
Cited in 5
cases, 1979–2001 · leading case: Kaklamanos v. Allstate Ins. Co., 796 So. 2d 555 (Fla. 1st DCA 2001).
Kaklamanos v. Allstate Ins. Co., 796 So. 2d 555 (Fla. 1st DCA 2001). “4th DCA 1991); see also § 627.412(2), Fla. Stat. (1997) ("No policy shall contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the department may approve any substitute provision which is, in its opinion,…”
MacKenzie v. Avis Rent-A-Car Sys., Inc., 369 So. 2d 647 (Fla. 3d DCA 1979). “3d DCA 1972); Section 627.412, Florida Statutes (1975) ("Insurance contracts shall contain .”
Metro. Prop. & Liab. Ins. Co. v. Gray, 446 So. 2d 216 (Fla. 5th DCA 1984). “4132 as amended in 1980, were incorporated into every uninsured motorist insurance policy issued after October 1, 1980, and were incorporated into the new "separate and severable contract" of insurance issued to James Gray and resulted in providing him with "stacked" coverage…”
Suazo Ex Rel. Suazo v. Del Busto, 587 So. 2d 480 (Fla. 3d DCA 1991). “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…”
Travelers Indem. Co. v. Suazo, 614 So. 2d 1071 (Fla. 1992). “§ 627.412, Fla. Stat. (1989); Mullis v. State Farm Mut.”
— 627.412(1) — 2 cases
Metro. Prop. & Liab. Ins. Co. v. Gray, 446 So. 2d 216 (Fla. 5th DCA 1984). “4132 as amended in 1980, were incorporated into every uninsured motorist insurance policy issued after October 1, 1980, and were incorporated into the new "separate and severable contract" of insurance issued to James Gray and resulted in providing him with "stacked" coverage…”
Suazo Ex Rel. Suazo v. Del Busto, 587 So. 2d 480 (Fla. 3d DCA 1991). “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…”
— 627.412(2) — 1 case
Kaklamanos v. Allstate Ins. Co., 796 So. 2d 555 (Fla. 1st DCA 2001). “4th DCA 1991); see also § 627.412(2), Fla. Stat. (1997) ("No policy shall contain any provision inconsistent with or contradictory to any standard or uniform provision used or required to be used, but the department may approve any substitute provision which is, in its opinion,…”
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