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Florida Statute 627.413 - Full Text and Legal Analysis
Florida Statute 627.413 | Lawyer Caselaw & Research
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The 2025 Florida Statutes

Title XXXVII
INSURANCE
Chapter 627
INSURANCE RATES AND CONTRACTS
View Entire Chapter
F.S. 627.413
627.413 Contents of policies, in general; identification.
(1) Every policy shall specify:
(a) The names of the parties to the contract.
(b) The subject of the insurance.
(c) The risks insured against.
(d) The time when the insurance thereunder takes effect and the period during which the insurance is to continue.
(e) The premium.
(f) The conditions pertaining to the insurance.
(g) The form numbers and edition dates or numeric code indicating edition dates, when such code has been supplied to the office, of all endorsements attached to a policy. This requirement applies to life insurance policies and health insurance policies only at the time of original issue.
(2) If under the policy the exact amount of premium is determinable only at stated intervals or termination of the contract, a statement of the basis and rates upon which the premium is to be determined and paid shall be included.
(3) Subsections (1) and (2) do not apply to surety contracts or to group insurance policies.
(4) All policies and annuity contracts issued by insurers, and the forms thereof filed with the office, shall have printed thereon an appropriate designating letter or figure, or combination of letters or figures or terms identifying the respective forms of policies or contracts. Whenever any change is made in any such form, the designating letters, figures, or terms thereon shall be correspondingly changed.
(5) Any policy that is a minimum premium policy issued by an insurer pursuant to the minimum premium provisions of rules adopted by rating organizations licensed by the office, shall have typed, printed, stamped, or legibly handwritten on the certificate the words “minimum premium policy” or equivalent language. The office may impose an administrative fine pursuant to s. 624.4211 if the office finds any violation of this subsection.
(6) Notwithstanding any other provision of the Florida Insurance Code that is in conflict with federal requirements for a health savings account qualified high-deductible health plan, an insurer, or a health maintenance organization subject to part I of chapter 641, which is authorized to issue health insurance in this state may offer for sale an individual or group policy or contract that provides for a high-deductible plan that meets the federal requirements of a health savings account plan and which is offered in conjunction with a health savings account.
History.s. 462, 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. 367, 377, 809(2nd), ch. 82-243; ss. 50, 79, ch. 82-386; s. 114, ch. 92-318; s. 16, ch. 98-174; s. 1117, ch. 2003-261; s. 3, ch. 2005-231.

F.S. 627.413 on Google Scholar

F.S. 627.413 on CourtListener

Amendments to 627.413


Annotations, Discussions, Cases:

Cases Citing Statute 627.413

Total Results: 4

Hepler v. Atlas Mut. Ins. Co.

501 So. 2d 681, 12 Fla. L. Weekly 322

District Court of Appeal of Florida | Filed: Jan 22, 1987 | Docket: 537974

Cited 8 times | Published

determined *685 and paid shall be included." § 627.413(1) and (2), Fla. Stat. (1983). Part XI, chapter

HIGH DEFINITION MOBILE MRI, INC. a/a/o LOUIMA SUSETTE v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Jun 2, 2021 | Docket: 59954656

Published

627.4143(2)(a)–(b), Fla. Stat. (2012). Section 627.413(1) governs the contents of insurance policies

A & M Gerber Chiropractic LLC v. GEICO Gen. Ins. Co.

291 F. Supp. 3d 1318

District Court, S.D. Florida | Filed: Nov 17, 2017 | Docket: 64317063

Published

endorsements attached to a policy ." Fla. Stat. § 627.413(1)(g) (emphasis *1338added).10 GEICO does not

Ago

Florida Attorney General Reports | Filed: Nov 24, 2009 | Docket: 3258789

Published

constitute the "Florida Insurance Code." 5 Section 627.413, Fla. Stat. 6 See Wakulla County v. Davis,