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Florida Statute 627.421 - Full Text and Legal Analysis
Florida Statute 627.421 | 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. 627.421
627.421 Delivery of policy.
(1) Subject to the insurer’s requirement as to payment of premium, every policy shall be mailed, delivered, or electronically transmitted to the insured or to the person entitled thereto not later than 60 days after the effectuation of coverage. Notwithstanding any other provision of law, an insurer may allow a policyholder of personal lines insurance to affirmatively elect delivery of the policy documents, including, but not limited to, policies, endorsements, notices, or documents, by electronic means in lieu of delivery by mail. Electronic transmission of a policy, related notices, and other documents for individual and group health insurance policies or certificates of coverage pursuant to parts VI and VII of this chapter, respectively; health maintenance contracts or certificates of coverage pursuant to part I of chapter 641; prepaid limited health service contracts pursuant to part I of chapter 636; and commercial risks, including, but not limited to, workers’ compensation and employers’ liability, commercial automobile liability, commercial automobile physical damage, commercial lines residential property, commercial nonresidential property, farmowners insurance, and the types of commercial lines risks set forth in s. 627.062(3)(d), constitutes delivery to the insured or to the person entitled to delivery, unless the insured or the person entitled to delivery communicates to the insurer in writing or electronically that he or she does not agree to delivery by electronic means.
(2) In the event the original policy is delivered or is so required to be delivered to or for deposit with any vendor, mortgagee, or pledgee of any motor vehicle, and in which policy any interest of the vendee, mortgagor, or pledgor in or with reference to such vehicle is insured, a duplicate of such policy setting forth the name and address of the insurer, insurance classification of vehicle, type of coverage, limits of liability, premiums for the respective coverages, and duration of the policy, or memorandum thereof containing the same such information, shall be delivered by the vendor, mortgagee, or pledgee to each such vendee, mortgagor, or pledgor named in the policy or coming within the group of persons designated in the policy to be so included. If the policy does not provide coverage of legal liability for injury to persons or damage to the property of third parties, a statement of such fact shall be printed, written, or stamped conspicuously on the face of such duplicate policy or memorandum. This subsection does not apply to inland marine floater policies.
(3) Any automobile liability or physical damage policy shall contain on the front page a summary of major coverages, conditions, exclusions, and limitations contained in that policy. Any such summary shall state that the issued policy should be referred to for the actual contractual governing provisions. The company may, in lieu of the summary, provide a readable policy.
(4) Notwithstanding subsections (1) and (2), property and casualty insurance policies and endorsements that do not contain personally identifiable information may be posted on the insurer’s Internet website. If the insurer elects to post insurance policies and endorsements on its Internet website in lieu of mailing or delivery to insureds, the insurer must comply with the following:
(a) Each policy and endorsement must be easily accessible on the insurer’s Internet website for as long as the policy and endorsement remain in force.
(b) The insurer must archive all of its expired policies and endorsements on its Internet website and make any expired policy and endorsement available upon an insured’s request for at least 5 years after expiration of the policy and endorsement.
(c) Each policy and endorsement must be posted in a manner that enables the insured to print and save the policy and endorsement using a program or application that is widely available on the Internet without charge.
(d) When the insurer issues an initial policy or any renewal, the insurer must notify the insured, in the manner the insurer customarily uses to communicate with the insured, that the insured has the right to request and obtain without charge a paper or electronic copy of the insured’s policy and endorsements.
(e) On each declarations page issued to the insured, the insurer must clearly identify the exact policy form and endorsement form purchased by the insured.
(f) If the insurer changes any policy form or endorsement, the insurer must notify the insured, in the manner the insurer customarily uses to communicate with the insured, that the insured has the right to request and obtain without charge a paper or electronic copy of such form or endorsement.
(5) An electronically delivered document satisfies any font, size, color, spacing, or other formatting requirement for printed documents if the format in the electronically delivered document has reasonably similar proportions or emphasis of the characters relative to the rest of the electronic document or is otherwise displayed in a reasonably conspicuous manner.
History.s. 470, ch. 59-205; s. 1, ch. 75-218; 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. 18, ch. 86-160; s. 114, ch. 92-318; s. 1, ch. 2013-190; s. 1, ch. 2013-191; s. 1, ch. 2015-170; s. 12, ch. 2017-132; s. 7, ch. 2023-217.

F.S. 627.421 on Google Scholar

F.S. 627.421 on CourtListener

Amendments to 627.421


Annotations, Discussions, Cases:

Cases Citing Statute 627.421

Total Results: 13

State Farm Fire & Cas. Co. v. Oliveras

441 So. 2d 175, 1983 Fla. App. LEXIS 24107

District Court of Appeal of Florida | Filed: Nov 16, 1983 | Docket: 1332717

Cited 16 times | Published

legislature had set for automobile insurance in Section 627.421, Florida Statutes (1981), and made more explicit

Essex Ins. Co. v. Zota

985 So. 2d 1036, 33 Fla. L. Weekly Supp. 425, 2008 Fla. LEXIS 1112, 2008 WL 2520879

Supreme Court of Florida | Filed: Jun 26, 2008 | Docket: 2518508

Cited 15 times | Published

this Court: 1. Whether Fla. Stat. § 626.922 or § 627.421, or both, require delivery of evidence of insurance

Argonaut Ins. Co. v. Maryland Cas. Co.

372 So. 2d 960

District Court of Appeal of Florida | Filed: Jun 19, 1979 | Docket: 1325663

Cited 13 times | Published

suit with other statutory remedies (e.g., Section 627.421(1), Florida Statutes) by the insured. An insured

ZC Ins. Co. v. Brooks

847 So. 2d 547, 2003 WL 21076668

District Court of Appeal of Florida | Filed: May 14, 2003 | Docket: 1289969

Cited 9 times | Published

satisfy the requirements of section 627.421, Florida Statutes (2002). Section 627.421 requires delivery of every

Continental Cas. Co. v. United Pacific Ins. Co.

637 So. 2d 270, 1994 Fla. App. LEXIS 3726, 1994 WL 140728

District Court of Appeal of Florida | Filed: Apr 22, 1994 | Docket: 1521606

Cited 8 times | Published

suit with other statutory remedies (e.g., Section 627.421(1), Florida Statutes) by the insured. An insured

Pennsylvania Lumbermens Mutual Insurance Co. v. Indiana Lumbermens Mutual Insurance Co.

43 So. 3d 182, 2010 Fla. App. LEXIS 13622, 2010 WL 3564711

District Court of Appeal of Florida | Filed: Sep 15, 2010 | Docket: 60295432

Cited 5 times | Published

enforce all necessary rights.” Id. (citing section 627.421(1), Florida Statutes).

The Ins. v. Dollar Rent-A-Car Systems

900 So. 2d 694, 2005 Fla. App. LEXIS 5542, 2005 WL 924316

District Court of Appeal of Florida | Filed: Apr 22, 2005 | Docket: 257260

Cited 5 times | Published

which it found coverage for two reasons: (1) section 627.421, Florida Statutes (2004), required T.H.E. to

Lloyds Underwriters at London v. Keystone Equipment Finance Corp.

25 So. 3d 89, 2009 Fla. App. LEXIS 20016, 2009 WL 4927917

District Court of Appeal of Florida | Filed: Dec 23, 2009 | Docket: 1193946

Cited 2 times | Published

provided notice of the garaging warranty. Section 627.421 requires delivery of the insurance policy not

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

questions include: 1. Whether Fla. Stat. § 626.922 or § 627.421, or both, require delivery of evidence of insurance

Essex Ins. Co. v. Mercedes Zota

466 F.3d 981, 2006 U.S. App. LEXIS 25255, 2006 WL 2847811

Court of Appeals for the Eleventh Circuit | Filed: Oct 6, 2006 | Docket: 398817

Cited 1 times | Published

Also relevant to the dispute is Florida Statute § 627.421, which provides: “Subject to the insurer’s requirement

Miller v. American Banker's Ins. Group

85 F. Supp. 2d 1297, 1999 U.S. Dist. LEXIS 21593, 1999 WL 1036262

District Court, S.D. Florida | Filed: Apr 30, 1999 | Docket: 2367935

Cited 1 times | Published

the flood insurance policy to the Plaintiff. Section 627.421 of the Florida Statutes provides that "every

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

413(1), Fla. Stat. (2012) (emphasis added). Section 627.421, in turn, governs delivery of an insurance

Nationwide Mut. Ins. Co. v. Nelson

369 F. Supp. 3d 1249

District Court, M.D. Florida | Filed: Sep 27, 2018 | Docket: 64323550

Published

policy to Cooper as required by Florida Statute § 627.421. (Dkt. 40 at 16-20) The Court notes that neither