Florida Statute 627.419 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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F.S. 627.419

627.419 Construction of policies.—

(1) Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy and as amplified, extended, or modified by any application therefor or any rider or endorsement thereto.

(2) The word “physician” or “medical doctor,” when used in any health insurance policy, health care services plan, or other contract providing for the payment of surgical procedures which are specified in the policy or contract or are performed in an accredited hospital in consultation with a licensed physician and are within the scope of a dentist’s professional license, shall be construed to include a dentist who performs such specified procedures.

(3) Notwithstanding any other provision of law, when any health insurance policy, health care services plan, or other contract provides for the payment for procedures specified in the policy or contract which are within the scope of an optometrist’s or podiatric physician’s professional license, such policy shall be construed to include payment to an optometrist or podiatric physician who performs such procedures. In the case of podiatric services, such payments shall be made in accordance with the coverage now provided for medical and surgical benefits.

(4) Notwithstanding any other provision of law, when any health insurance policy, health care services plan, or other contract provides for the payment for medical expense benefits or procedures, such policy, plan, or contract shall be construed to include payment to a chiropractic physician who provides the medical service benefits or procedures which are within the scope of a chiropractic physician’s license. Any limitation or condition placed upon payment to, or upon services, diagnosis, or treatment by, any licensed physician shall apply equally to all licensed physicians without unfair discrimination to the usual and customary treatment procedures of any class of physicians.

(5) For purposes of coverage under a policy of disability income or credit disability insurance, no determination of disability shall be rejected solely on the basis of the chapter under which the physician is licensed; however, such determination may be rejected on the basis that the determination is outside the scope of the physician’s authorized practice. However, the insurance carrier shall have the option after 30 days of disability to seek a second physician’s opinion prior to paying additional benefits.

(6) Notwithstanding any other provision of law, when any health insurance policy, health care services plan, or other contract provides for payment for surgical first assisting benefits or services, the policy, plan, or contract is to be construed as providing for payment to a registered nurse first assistant or employers of a physician assistant or nurse first assistant who performs such services that are within the scope of a physician assistant’s or a registered nurse first assistant’s professional license. The provisions of this subsection apply only if reimbursement for an assisting physician, licensed under chapter 458 or chapter 459, would be covered and a physician assistant or a registered nurse first assistant who performs such services is used as a substitute.

(7) No health insurance policy, health care services plan, or other contract which provides coverage for any diagnostic or surgical procedure involving bones or joints of the skeleton shall discriminate against coverage for any similar diagnostic or surgical procedure involving bones or joints of the jaw and facial region, if, under accepted medical standards, such procedure or surgery is medically necessary to treat conditions caused by congenital or developmental deformity, disease, or injury. This subsection shall not be construed to affect any other coverage under this part or to restrict the scope of coverage under any policy, plan, or contract. Nothing in this subsection shall be construed to discourage appropriate nonsurgical procedures or to prohibit the continued coverage of nonsurgical procedures in the treatment of a bone or joint of the jaw and facial region. Furthermore, nothing in this subsection requires coverage for care or treatment of the teeth or gums, for intraoral prosthetic devices, or for surgical procedures for cosmetic purposes. This section does not apply to accident only, disability income, specified disease, hospital indemnity, credit, Medicare supplement, or long-term care insurance policies.

(8) If an insurer or licensee advertises an insurance policy in a language other than English, the advertisements shall not be construed to modify or change the insurance policy written in English. The advertisement must disclose that the policy written in English controls in the event of a dispute and that statements contained in the advertisement do not necessarily, as a result of possible linguistic differences, reflect the contents of the policy written in English. Nothing in this subsection shall affect the provisions of s. 626.9541 relating to misrepresentations and false advertising of insurance policies.

(9) With respect to any group or individual insurer covering dental services, each claimant, or dentist acting for a claimant, who has had a claim denied as not medically or dentally necessary or who has had a claim payment based on an alternate dental service in accordance with accepted dental standards for adequate and appropriate care must be provided an opportunity for an appeal to the insurer’s licensed dentist who is responsible for the medical necessity reviews under the plan or is a member of the plan’s peer review group. The appeal may be by telephone, and the insurer’s dentist must respond within a reasonable time, not to exceed 15 business days.

History.—s. 468, ch. 59-205; s. 1, ch. 69-245; ss. 1, 2, ch. 72-11; s. 163A, ch. 73-333; s. 1, ch. 74-34; s. 1, ch. 74-87; s. 1, ch. 76-167; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 371, 377, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 1, ch. 86-40; s. 3, ch. 90-255; s. 114, ch. 92-318; s. 5, ch. 94-96; s. 2, ch. 96-361; s. 1, ch. 97-5; s. 3, ch. 97-178; s. 223, ch. 98-166; s. 3, ch. 2001-176; s. 107, ch. 2001-277.

Note.—Former s. 627.0118.

F.S. 627.419 on Google Scholar

F.S. 627.419 on CourtListener

Amendments to 627.419

Annotations, Discussions, Cases:

Cases Citing Statute 627.419

Total Results: 62

Excelsior Ins. Co. v. Pomona Park Bar & Package Store

369 So. 2d 938, 1979 Fla. LEXIS 4604

Supreme Court of Florida | Filed: Mar 8, 1979 | Docket: 2516540

Cited 132 times | Published

considered defective under Section 627.411. Cf. Section 627.419(1) Fla. Stat. (1977). ("Every insurance contract

Swire Pacific Holdings, Inc. v. Zurich Ins. Co.

845 So. 2d 161, 28 Fla. L. Weekly Supp. 307, 2003 Fla. LEXIS 499, 2003 WL 1833914

Supreme Court of Florida | Filed: Apr 10, 2003 | Docket: 453242

Cited 122 times | Published

effect." Auto-Owners, 756 So.2d at 34; see also § 627.419(1), Fla. Stat. (2002) ("Every insurance contract

State Farm Fire & Cas. v. CTC DEVELOPMENT

720 So. 2d 1072, 23 Fla. L. Weekly Supp. 527, 1998 Fla. LEXIS 1901, 1998 WL 696941

Supreme Court of Florida | Filed: Oct 8, 1998 | Docket: 50149

Cited 101 times | Published

662 So.2d 980, 982 (Fla. 2d DCA 1995); see also § 627.419(1), Fla. Stat. (1997) ("Every insurance contract

International Insurance Co., a Corporation v. Alfred M. Johns, James W. McFadden Thomas v. Ogletree, Richard W. Sherman, and G. Paul Whorton

874 F.2d 1447, 1989 U.S. App. LEXIS 8140, 1989 WL 52414

Court of Appeals for the Eleventh Circuit | Filed: Jun 7, 1989 | Docket: 820028

Cited 93 times | Published

entirety of its terms and conditions. Fla.Stat.Ann. § 627.419(1) (West 1986). A court should construe each sentence

General Star Indem. Co. v. W. Fla. Village Inn, Inc.

874 So. 2d 26, 2004 WL 912604

District Court of Appeal of Florida | Filed: Apr 30, 2004 | Docket: 1738250

Cited 34 times | Published

Ins. Co., 845 So.2d 161, 166 (Fla.2003) (citing § 627.419(1), Fla. Stat. (2002)); The Praetorians v. Fisher

Linda Swerhun v. The Guardian Life Ins. Co. Of America

979 F.2d 195, 1992 U.S. App. LEXIS 32491, 1992 WL 348169

Court of Appeals for the Eleventh Circuit | Filed: Dec 15, 1992 | Docket: 840004

Cited 26 times | Published

policy contrary to the provisions of Fla.Stat.Ann. § 627.419(4). 1 Count II al *197

Ellenwood v. Southern United Life Ins. Co.

373 So. 2d 392

District Court of Appeal of Florida | Filed: Jul 20, 1979 | Docket: 1772589

Cited 26 times | Published

ambiguous? First, we are enjoined both by statute, Section 627.419(1), Florida Statutes (1977), and by case law

Mathews v. Ranger Insurance Company

281 So. 2d 345, 1973 Fla. LEXIS 5012

Supreme Court of Florida | Filed: Jun 13, 1973 | Docket: 1261988

Cited 23 times | Published

endorsement thereto." (Emphasis supplied.) Section 627.419(1), Florida Statutes,[2] F.S.A. The application

Weldon v. All American Life Ins. Co.

605 So. 2d 911, 1992 Fla. App. LEXIS 9589, 1992 WL 220516

District Court of Appeal of Florida | Filed: Sep 11, 1992 | Docket: 1702105

Cited 22 times | Published

against chiropractic physicians in violation of section 627.419(4), Florida Statutes (1987). All American answered

Ernie Haire Ford, Inc. v. Universal Underwriters Insurance

541 F. Supp. 2d 1295

District Court, M.D. Florida | Filed: Mar 27, 2008 | Docket: 2131941

Cited 16 times | Published

meaning and operative effect." Id.; see also § 627.419(1), Fla. Stat. ("Every insurance contract shall

FIRST PROFESSIONAL INS. CO. v. McKinney

973 So. 2d 510, 2007 WL 4372744

District Court of Appeal of Florida | Filed: Dec 17, 2007 | Docket: 2516568

Cited 11 times | Published

Rainey, 890 So.2d 357, 359 (Fla. 1st DCA 2004). Section 627.419(1), Florida Statutes (2000), states: Every

State Farm Mutual Automobile Insurance v. Mashburn

15 So. 3d 701, 2009 Fla. App. LEXIS 8486, 2009 WL 1856046

District Court of Appeal of Florida | Filed: Jun 30, 2009 | Docket: 1660915

Cited 10 times | Published

thereto." McKinney, 973 So.2d at 514 (quoting § 627.419(1), Fla. Stat.). Endorsement 6910 expressly changes

Westport Ins. Corp. v. VN HOTEL GROUP, LLC

761 F. Supp. 2d 1337, 2010 U.S. Dist. LEXIS 140914, 2010 WL 5652435

District Court, M.D. Florida | Filed: Dec 9, 2010 | Docket: 2337370

Cited 9 times | Published

full meaning and operative effect" Id.; see also § 627.419(1), Fla. Stat. ("Every insurance contract shall

Penzer v. Transportation Insurance

545 F.3d 1303, 2008 U.S. App. LEXIS 22055, 2008 WL 4662164

Court of Appeals for the Eleventh Circuit | Filed: Oct 23, 2008 | Docket: 65658803

Cited 8 times | Published

So.2d 29, 34 (Fla.2000); see also Fla. Stat. § 627.419(1) (“Every insurance contract shall be construed

Walker v. State Farm Fire & Cas. Co.

758 So. 2d 1161, 2000 WL 390290

District Court of Appeal of Florida | Filed: Apr 19, 2000 | Docket: 1404157

Cited 8 times | Published

reviewed as a whole, viewing all words in context. § 627.419(1), Fla. Stat. (1997); Nationwide Mut. Fire Ins

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

provisions, we must comply with the requirement in section 627.419(1) that "every insurance contract shall be

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

provisions, we must comply with the requirement in section 627.419(1) that "every insurance contract shall be

Princeton Express v. DM Ventures USA LLC

209 F. Supp. 3d 1252, 2016 U.S. Dist. LEXIS 98740, 2016 WL 3950933

District Court, S.D. Florida | Filed: Jul 19, 2016 | Docket: 64310441

Cited 6 times | Published

rider *1256or endorsement thereto.” Fla. Stat. § 627.419. Under Florida law, a clear and unambiguous policy

Tdc v. Hma

943 So. 2d 807

District Court of Appeal of Florida | Filed: Sep 13, 2006 | Docket: 2484604

Cited 6 times | Published

Co., 845 So.2d 161, 166 (Fla.2003) (quoting § 627.419(1), Fla. Stat. (2002)). Ambiguity does not exist

Barcelona Hotel, LLC v. Nova Casualty Co.

57 So. 3d 228, 2011 Fla. App. LEXIS 2653, 2011 WL 709992

District Court of Appeal of Florida | Filed: Mar 2, 2011 | Docket: 60298972

Cited 5 times | Published

provision and the policy declarations”); see also § 627.419(1), Fla. Stat. (2010); State Farm Fire & Cas.

STATE FARM MUT. AUTO. INS. v. Mallard

548 So. 2d 733, 14 Fla. L. Weekly 1977, 1989 Fla. App. LEXIS 4715, 1989 WL 97669

District Court of Appeal of Florida | Filed: Aug 22, 1989 | Docket: 1333193

Cited 5 times | Published

coverage exists under both alternative prongs. Section 627.419(1), Florida Statutes (1987) provides: Every

ST. PAUL GUARDIAN INS. v. Canterbury Sch.

548 So. 2d 1159, 14 Fla. L. Weekly 1907, 1989 Fla. App. LEXIS 4556, 1989 WL 89673

District Court of Appeal of Florida | Filed: Aug 11, 1989 | Docket: 1699273

Cited 5 times | Published

therefor or any rider or endorsement thereto." § 627.419(1), Fla. Stat. (1987). See Ellenwood v. Southern

Penzer v. Transportation Insurance

509 F. Supp. 2d 1278, 2007 U.S. Dist. LEXIS 72845, 2007 WL 2713594

District Court, S.D. Florida | Filed: Jul 16, 2007 | Docket: 2518557

Cited 4 times | Published

161, 165, 166 (Fla.2003). See also Fla. Stat. § 627.419(1) ("Every insurance contract shall be construed

United Services Auto. Ass'n v. McCray

348 So. 2d 6

District Court of Appeal of Florida | Filed: Mar 8, 1977 | Docket: 1760284

Cited 4 times | Published

Omaha, 279 So.2d 897 (Fla.3d DCA 1973) and Section 627.419(1), Florida Statutes (1975). Further, an insurance

American Empire Surplus Lines Insurance v. Chabad House of North Dade, Inc.

771 F. Supp. 2d 1336, 2011 U.S. Dist. LEXIS 28844, 2011 WL 1085558

District Court, S.D. Florida | Filed: Mar 21, 2011 | Docket: 2343371

Cited 3 times | Published

1072, 1075 (Fla.1998); see also Fla. Stat. Ann. § 627.419(1) ("Every insurance contract shall be construed

Dickson v. Economy Premier Assurance Co.

36 So. 3d 789, 2010 Fla. App. LEXIS 6959, 2010 WL 1923960

District Court of Appeal of Florida | Filed: May 14, 2010 | Docket: 1119925

Cited 3 times | Published

provision its full meaning and operative effect. § 627.419(1), Fla. Stat. (2009); First Prof'ls Ins. Co.

Keenan Hopkins Schmidt & Stowell Contractors, Inc. v. Continental Casualty Co.

653 F. Supp. 2d 1255, 2009 U.S. Dist. LEXIS 78278

District Court, M.D. Florida | Filed: Sep 1, 2009 | Docket: 2289760

Cited 3 times | Published

by any endorsement thereto" (citing Fla. Stat. § 627.419(1))). On the other hand, "Florida law is equally

Med Imaging Center, Inc. v. Allstate Insurance

818 F. Supp. 333, 1993 U.S. Dist. LEXIS 5226, 1993 WL 125142

District Court, M.D. Florida | Filed: Apr 13, 1993 | Docket: 978168

Cited 3 times | Published

should be made based on the policy as a whole, § 627.419(1), Florida Statutes, this "except" clause is

PRUD. PROP. & CAS. INS. v. Bonnema

601 So. 2d 269, 1992 WL 118353

District Court of Appeal of Florida | Filed: Jun 5, 1992 | Docket: 1710929

Cited 3 times | Published

legislature and the courts have made this clear. Section 627.419(1), Florida Statutes (Supp. 1990), provides

Nugget Oil, Inc. v. Universal SEC. Ins. Co.

584 So. 2d 1068, 1991 WL 146632

District Court of Appeal of Florida | Filed: Aug 5, 1991 | Docket: 466761

Cited 3 times | Published

read in conjunction with the application. Section 627.419(1), Florida Statutes, provides, *1070 "Every

Landmark American Insurance Company v. Pin-Pon Corporation and Lexington Insurance Company

155 So. 3d 432, 2015 Fla. App. LEXIS 189, 2015 WL 71849

District Court of Appeal of Florida | Filed: Jan 7, 2015 | Docket: 2621554

Cited 2 times | Published

Anderson, 756 So.2d 29, 34 (Fla.2000). Indeed, section 627.419(1), Florida Statutes (2004), requires that

Itnor Corp. v. MARKEL INTERN. INS. CO.

981 So. 2d 661, 2008 Fla. App. LEXIS 7212, 2008 WL 2120826

District Court of Appeal of Florida | Filed: May 21, 2008 | Docket: 468174

Cited 2 times | Published

an insurance contract must be read as a whole. § 627.419(1), Fla. Stat. (2007). Where policy language is

First Protective Ins. Co. v. Featherston

906 So. 2d 1242, 2005 WL 1761937

District Court of Appeal of Florida | Filed: Jul 27, 2005 | Docket: 1775690

Cited 2 times | Published

Ins. Co., 463 So.2d 1153, 1157 (Fla.1985). Section 627.419(1), Florida Statutes (1999), provides that

CTC Development Corp. v. State Farm

704 So. 2d 579, 1997 WL 525237

District Court of Appeal of Florida | Filed: Aug 26, 1997 | Docket: 1354483

Cited 2 times | Published

printed in bold type face. [1] As stated in section 627.419(1), Florida Statutes (1995), governing construction

Essex Insurance v. Zota

607 F. Supp. 2d 1340, 2009 U.S. Dist. LEXIS 29108, 2009 WL 959917

District Court, S.D. Florida | Filed: Apr 8, 2009 | Docket: 2281562

Cited 1 times | Published

policies must be read as a whole. Fla. Stat. § 627.419(1); see also Mathews v. Ranger Ins. Co., 281 So

Catalina West Homeowners Association, Inc. v. First Community Insurance Company

District Court of Appeal of Florida | Filed: Jun 18, 2025 | Docket: 70572365

Published

view them in context of the policy as a whole. § 627.419(1), Fla. Stat. (2019) (“Every insurance contract

Spartan Services Corp. v. People's Trust Insurance Company

District Court of Appeal of Florida | Filed: May 7, 2025 | Docket: 70188174

Published

bargained for by the parties.”) (citing first § 627.419(1), Fla. Stat. (2016) (requiring every insurance

Prime Property and Casualty Insurance Company v. Kepali Group, Inc.

Court of Appeals for the Eleventh Circuit | Filed: May 2, 2025 | Docket: 68425493

Published

Argued: Mar 6, 2025

948 (Fla. 2013). See also Fla. Stat. § 627.419(1) (“Every insurance contract shall be construed

Elizabeth Fojon v. Ascendant Commercial Insurance Company

District Court of Appeal of Florida | Filed: Aug 28, 2024 | Docket: 68448573

Published

the plain meaning of the contract’s text.”); § 627.419(1), Fla. Stat.

PEOPLE'S TRUST INSURANCE COMPANY v. PAUL GUNNSSER

District Court of Appeal of Florida | Filed: Nov 9, 2023 | Docket: 67174373

Published

, Inc., 979 So. 2d 871, 877 (Fla. 2007); see § 627.419(1), Fla. Stat. (2019) (requiring every insurance

Shiloh Christian Center v. Aspen Specialty Insurance Company

Court of Appeals for the Eleventh Circuit | Filed: Apr 13, 2023 | Docket: 66764281

Published

Argued: Jan 26, 2023

or modif[y]” the policy. Fla. Stat. § 627.419(1). Florida law is clear, though, that in the

MARISOL ROSA vs SAFEPOINT INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Nov 14, 2022 | Docket: 68035044

Published

meaning as bargained for by the parties. See § 627.419(1), Fla. Stat. (2016) (requiring every insurance

GEICO INDEMNITY COMPANY v. MURANSKY CHIROPRACTIC P.A. a/a/o CARLOS DIESTE

District Court of Appeal of Florida | Filed: Jun 24, 2021 | Docket: 60009948

Published

therefor or any rider or endorsement thereto.” § 627.419(1), Fla. Stat. (2017); see also Geico Gen. Ins

Jacob Horn v. Liberty Insurance Underwriters, Inc.

Court of Appeals for the Eleventh Circuit | Filed: Jun 1, 2021 | Docket: 59952723

Published

2d 29, 34 (Fla. 2000); see also Fla. Stat. § 627.419(1) (“Every insurance contract shall be construed

EXTREME EMERGENCY FIRE & WATER RESTORATION LLC v. CERTAIN UNDERWRITERS AT LLOYD'S OF LONDON

District Court of Appeal of Florida | Filed: Dec 16, 2020 | Docket: 18747980

Published

together constitute the insurance contract. See § 627.419(1), Fla. Stat. (2018) (providing: “Every insurance

UPRIGHT OPEN MRI, LLC a/a/o VIRGINIA JURADO v. INFINITY AUTO INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Sep 23, 2020 | Docket: 18465796

Published

114 So. 3d 286, 288 (Fla. 4th DCA 2013). Section 627.419(1), Florida Statutes (2018), requires every

Scottsdale Ins. Co. v. Outrigger Beach Club Condo. Ass'n, Inc.

304 F. Supp. 3d 1208

District Court, M.D. Florida | Filed: Jan 5, 2018 | Docket: 64318175

Published

CTC Dev. Corp., 720 So.2d at 1075 ; see also § 627.419(1), Fla. Stat. (1997). But, the "terms of an insurance

Scottsdale Ins. Co. v. Outrigger Beach Club Condo. Ass'n, Inc.

304 F. Supp. 3d 1208

District Court, M.D. Florida | Filed: Jan 5, 2018 | Docket: 64318175

Published

CTC Dev. Corp., 720 So.2d at 1075 ; see also § 627.419(1), Fla. Stat. (1997). But, the "terms of an insurance

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

any rider or endorsement thereto." Fla. Stat. § 627.419(1). The parties are in agreement that the FLPIP

Tudor Insurance Co. v. American Casualty Co. of Reading Pennsylvania

274 F. Supp. 3d 1278

District Court, N.D. Florida | Filed: Mar 31, 2017 | Docket: 64315800

Published

498 S.E.2d 492, 494 (1998) see also Fla. Stat. § 627.419(1); O.C.G.A § 13-2-2(4). III. Discussion Tudor

Steadfast Insurance Co. v. Celebration Source, Inc.

240 F. Supp. 3d 1295, 2017 WL 416118, 2017 U.S. Dist. LEXIS 130811

District Court, S.D. Florida | Filed: Jan 27, 2017 | Docket: 64313159

Published

any rider or endorsement thereto.” Fla. Stat. § 627.419 (2010). All the same, the Defendants correctly

Southern Owners Insurance Co. v. Cooperativa De Seguros Multiples

143 So. 3d 439

District Court of Appeal of Florida | Filed: Jul 14, 2014 | Docket: 452962

Published

policy in isolation to the rest of the provisions. § 627.419(1), Fla. Stat. (2013) (“Every insurance contract

PENZER v. Transportation Ins. Co.

605 F.3d 1112, 2010 WL 1850194

Court of Appeals for the Eleventh Circuit | Filed: Oct 23, 2008 | Docket: 399240

Published

So.2d 29, 34 (Fla.2000); see also Fla. Stat. § 627.419(1) ("Every insurance contract shall be construed

National Union Fire Insurance Co. of Pittsburgh, P.A. v. Underwriters at Lloyd's, London

971 So. 2d 885, 2007 Fla. App. LEXIS 18750, 2007 WL 4179675

District Court of Appeal of Florida | Filed: Nov 28, 2007 | Docket: 64853545

Published

So.2d 1068, 1070 (Fla. 1st DCA 1991); see also § 627.419(1), Fla. Stat. (2001) (“Every insurance contract

The Doctors Co. v. Health Management Associates, Inc.

943 So. 2d 807, 2006 Fla. App. LEXIS 15191

District Court of Appeal of Florida | Filed: Sep 13, 2006 | Docket: 64848047

Published

Co., 845 So.2d 161, 166 (Fla.2003) (quoting § 627.419(1), Fla. Stat. (2002)). Ambiguity does not exist

Zenith Insurance Co. v. Commercial Forming Corp.

850 So. 2d 568, 2003 Fla. App. LEXIS 8250, 2003 WL 21275973

District Court of Appeal of Florida | Filed: Jun 4, 2003 | Docket: 64824104

Published

therefor or any rider or endorsement thereto-.” § 627.419(1), Fla. Stat. (1993). Over thirty years ago,

Metropolitan Life Insurance Co. v. Daniels

745 So. 2d 1062, 1999 Fla. App. LEXIS 14805, 1999 WL 1016239

District Court of Appeal of Florida | Filed: Nov 10, 1999 | Docket: 64792685

Published

together with the permanent policy, because of section 627.419(1), Florida Statutes, which provides: Every

Petrulis v. Owners Insurance

779 So. 2d 307, 1999 Fla. App. LEXIS 10078, 1999 WL 542198

District Court of Appeal of Florida | Filed: Jul 28, 1999 | Docket: 64804101

Published

as a whole, viewing all words in context. See § 627.419(1), Fla. Stat. (1997) (“Every insurance contract

AAA Life Insurance Co. v. Nicolas

603 So. 2d 622, 1992 Fla. App. LEXIS 8409, 1992 WL 185032

District Court of Appeal of Florida | Filed: Aug 4, 1992 | Docket: 64669291

Published

St. Paul Guardian, 548 So.2d at 1160 (quoting § 627.419(1), Fla.Stat. (1987). The term “pedestrian” from

National Union Fire Insurance Co. v. Chase

575 So. 2d 720, 1991 Fla. App. LEXIS 1325, 1991 WL 18246

District Court of Appeal of Florida | Filed: Feb 20, 1991 | Docket: 64656855

Published

and also makes up part of the entire contract. § 627.419(1), Fla.Stat. (Supp.1984). Therefore, the endorsement/rejection

Illinois Mutual Life & Casualty Co. v. Stein

379 So. 2d 449, 1980 Fla. App. LEXIS 23333

District Court of Appeal of Florida | Filed: Feb 5, 1980 | Docket: 64574122

Published

Myles, 347 So.2d 1060 (Fla. 1st DCA 1977); Section 627.419(2), Florida Statutes (1977).

Insurance Co. of North America v. Coates

318 So. 2d 474, 1975 Fla. App. LEXIS 15200

District Court of Appeal of Florida | Filed: Sep 5, 1975 | Docket: 64549034

Published

modified by the exclusionary endorsement. Fla.Stat. § 627.419(1). Moreover, the validity of such a provision