The 2023 Florida Statutes (including Special Session C)

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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F.S. 627.418

627.418 Validity of noncomplying contracts.—

(1) Any insurance policy, rider, or endorsement otherwise valid which contains any condition or provision not in compliance with the requirements of this code shall not be thereby rendered invalid, except as provided in s. 627.415, but shall be construed and applied in accordance with such conditions and provisions as would have applied had such policy, rider, or endorsement been in full compliance with this code. In the event an insurer issues or delivers any policy for an amount which exceeds any limitations otherwise provided in this code, such insurer shall be liable to the insured or his or her beneficiary for the full amount stated in the policy in addition to any other penalties that may be imposed under this code.

(2) Any insurance contract delivered or issued for delivery in this state covering a subject or subjects of insurance resident, located, or to be performed in this state, which subjects, pursuant to the provisions of this code, the insurer may not lawfully insure under such a contract, shall be cancelable at any time by the insurer, any provision of the contract to the contrary notwithstanding; and the insurer shall promptly cancel the contract in accordance with the request of the office therefor. No such illegality or cancellation shall be deemed to relieve the insurer of any liability incurred by it under the contract while in force, or to prohibit the insurer from retaining the pro rata earned premium thereon. This provision does not relieve the insurer from any penalty otherwise incurred by the insurer under this code on account of any such violation.

History.—s. 467, ch. 59-205; ss. 13, 35, ch. 69-106; s. 1, ch. 72-23; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 370, 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318; s. 329, ch. 97-102; s. 1120, ch. 2003-261.

Note.—Former s. 627.0117.

F.S. 627.418 on Google Scholar

F.S. 627.418 on Casetext

Amendments to 627.418

Arrestable Offenses / Crimes under Fla. Stat. 627.418

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 627.418.

Annotations, Discussions, Cases:

Cases from cite.case.law:

LEXINGTON CLUB COMMUNITY ASSOCIATION, INC. v. LOVE MADISON, INC. d b a, 253 So. 3d 632 (Fla. App. Ct. 2018)

. . . See §§ 626.901(3), 627.418(1), Fla. Stat. (2017). . . .

BASTIAN, v. UNITED SERVICES AUTOMOBILE ASSOCIATION, USAA USAA, 150 F. Supp. 3d 1284 (M.D. Fla. 2015)

. . . . § 627.418(1); Allen v. USAA Ca. Ins. Co., 790 F.3d 1274, 1283 (11th Cir.2015). . . .

BASTIAN, v. UNITED SERVICES AUTOMOBILE ASSOCIATION, USAA USAA, 137 F. Supp. 3d 1272 (M.D. Fla. 2015)

. . . . § 627.418(1); Allen v. USAA Ca. Ins. Co., 790 F.3d 1274, 1283 (11th Cir.2015). . . .

R. ALLEN, Z. J. A. v. USAA CASUALTY INSURANCE COMPANY, A A, 790 F.3d 1274 (11th Cir. 2015)

. . . Additionally, Florida Statutes § 627.418(1) bars the Al-lens’ suit because the only remedy available . . . Section 627.418(1) states, Any insurance policy, rider, or endorsement otherwise valid which contains . . . Stat. § 627.418(1). . . . As such, the plain language of § 627.418(1) bars the Allens’ attempt to recover premium payments. . . . Stat. § 627.418(1). . . .

CITIZENS PROPERTY INSURANCE CORPORATION, a v. RIVER MANOR CONDOMINIUM ASSOCIATION, INC., 125 So. 3d 846 (Fla. Dist. Ct. App. 2013)

. . . We note that section 627.418(1), Florida Statutes (2005), codifies the principle that insurance policies . . . March 31, 2010), the court found that section 627.418 did not require that insurance policies conform . . .

CHALFONTE CONDOMINIUM APARTMENT ASSOCIATION, INC. v. QBE INSURANCE CORPORATION, v. QBE v. QBE, 695 F.3d 1215 (11th Cir. 2012)

. . . Most notably, in section 627.418(1), Florida Statutes (2009), the Legislature seems to suggest that in . . . See § 627.418(1), Fla. . . .

S. LEMY, v. DIRECT GENERAL FINANCE COMPANY,, 885 F. Supp. 2d 1265 (M.D. Fla. 2012)

. . . In any event, an unreported policy typically remains valid under Section 627.418. See Essex Ins. . . .

QBE INSURANCE CORPORATION, v. CHALFONTE CONDOMINIUM APARTMENT ASSOCIATION, INC., 94 So. 3d 541 (Fla. 2012)

. . . Most notably, in section 627.418(1), Florida Statutes (2009), the Legislature seems to suggest that in . . . See § 627.418(1), Fla. . . .

SHERMAN, v. TRANSAMERICA LIFE INSURANCE COMPANY,, 475 F. App'x 733 (11th Cir. 2012)

. . . . § 627.418(1) (2003) (providing that any insurance policy that is otherwise valid but contains a provision . . .

A. SCIARETTA, a k a v. LINCOLN NATIONAL LIFE INSURANCE COMPANY, v., 899 F. Supp. 2d 1318 (S.D. Fla. 2012)

. . . . § 627.418 (2011) provides: Any insurance policy, rider, or endorsement otherwise valid which contains . . .

EL- AD ENCLAVE AT MIRAMAR CONDOMINIUM ASSOCIATION, INC. v. MT. HAWLEY INSURANCE COMPANY,, 752 F. Supp. 2d 1282 (S.D. Fla. 2010)

. . . Moreover, § 627.418(1) states that “[a]ny insurance policy, rider, or endorsement otherwise valid which . . . See § 627.418(1). . . .

VISION I HOMEOWNERS ASSOCIATION, INC. a v. ASPEN SPECIALTY INSURANCE COMPANY, a, 643 F. Supp. 2d 1356 (S.D. Fla. 2009)

. . . Moreover, “Section 627.418(1) states that: [a]ny insurance policy, rider, or endorsement otherwise valid . . .

ESSEX INSURANCE COMPANY, v. ZOTA,, 607 F. Supp. 2d 1340 (S.D. Fla. 2009)

. . . . § 627.418, noncompliance with Fla. . . . Stat. § 627.418. . . . Defendants are correct in stating that § 627.418 “is designed, to guarantee that the courts not bar coverage . . . However, as Judge Middlebrooks explained, even though § 627.418(1) may have intended to benefit policy . . . Stat. § 627.418(1), the endorsement provision is valid despite noncompliance with the Insurance Code. . . .

CHALFONTE CONDOMINIUM APARTMENT ASSOCIATION, INC. v. QBE INSURANCE CORPORATION,, 526 F. Supp. 2d 1251 (S.D. Fla. 2007)

. . . Most notably, in Section 627.418(1), the legislature seems to suggest that in the absence of an express . . . Specifically, Section 627.418(1) states that: [a]ny insurance policy, rider, or endorsement otherwise . . . While Section 627.418(1) may have been intended to benefit policyholders and not insurance companies, . . . )(holding that where the Department of Insurance has not detected a violation in a policy, “Section 627.418 . . . express penalty, the legislature may have intended for the deductible to be valid pursuant to Section 627.418 . . .

FLORIDA FARM BUREAU CASUALTY INSURANCE CO. v. A. COX, 943 So. 2d 823 (Fla. Dist. Ct. App. 2006)

. . . (quoting § 627.418(1), Fla. Stat. (2001)). See also Young v. Progressive Se. Ins. . . .

ALLSTATE INSURANCE COMPANY, v. KAKLAMANOS, v., 843 So. 2d 885 (Fla. 2003)

. . . See § 627.418(1), Fla. . . .

KAKLAMANOS v. ALLSTATE INSURANCE COMPANY,, 796 So. 2d 555 (Fla. Dist. Ct. App. 2001)

. . . .” § 627.418(1), Fla. Stat. (1997). See State Farm Mut. Auto. Ins. Co. v. . . .

In IONOSPHERE CLUBS, INC. EASTERN AIR LINES, INC. v. INSURANCE COMPANY OF STATE OF PENNSYLVANIA,, 85 F.3d 992 (2d Cir. 1996)

. . . . § 627.418. . . .

In IONOSPHERE CLUBS, INC. EASTERN AIR LINES, INC. v. INSURANCE COMPANY OF STATE OF PENNSYLVANIA,, 85 F.3d 992 (2d Cir. 1996)

. . . . § 627.418. . . .

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, v. SWEARINGEN,, 590 So. 2d 506 (Fla. Dist. Ct. App. 1991)

. . . Section 627.418(1), Florida Statutes (1989), specifically states that any insurance policy which contains . . .

SUAZO, By SUAZO, v. M. DEL BUSTO,, 587 So. 2d 480 (Fla. Dist. Ct. App. 1991)

. . . . § 627.418, Fla.Stat. (1989). . . . with that minimum limit thus, must be construed and applied as if in full compliance with the code. § 627.418 . . .

TAYLOR, v. E. F. HUTTON COMPANY, INC., 40 Fla. Supp. 2d 144 (Fla. Cir. Ct. 1990)

. . . Some statutes, for example § 627.418 Fla. . . .

CRESPO v. FIREMAN S FUND INSURANCE COMPANY,, 37 Fla. Supp. 2d 128 (Fla. Cir. Ct. 1989)

. . . this declaratory decree action that said insurance should be reformed pursuant to Florida Statute § 627.418 . . . Florida Statute § 627.418 (1982) provides that “any insurance policy . . . which contains any condition . . .

FRED S. JAMES COMPANY OF FLORIDA, INC. a v. MIRANTI,, 520 So. 2d 630 (Fla. Dist. Ct. App. 1988)

. . . We acknowledge but reject appellee’s contention that section 627.418, Florida Statutes (1985), mandates . . .

EXCELSIOR INSURANCE COMPANY, v. POMONA PARK BAR PACKAGE STORE,, 369 So. 2d 938 (Fla. 1979)

. . . insurance policy form which is defective under Section 627.411, Florida Statutes (1977), then Section 627.418 . . . asserted that Excelsior’s policy form violates Section 627.411, Florida Statutes (1977) and that Section 627.418 . . . Section 627.418 is designed to guarantee that the courts not bar coverage to policy holders because their . . . Neither does Section 627.418 invite freewheeling judicial revision of insurance contracts that might . . .