Florida Statutes
Fla. Stat. § 627.421 (2025)
Delivery of policy.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
Find cases:
SyfertCases citing this section
FL-LEGleg.state.fl.us
JustiaFla. Statutes
CornellLII Search
CasesGoogle Scholar
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.
Notes of Decisions
Cited in 16
cases (2 in the last 5 years), 1979–2025 · leading case: Essex Ins. Co. v. Zota, 985 So. 2d 1036 (Fla. 2008).
Essex Ins. Co. v. Zota, 985 So. 2d 1036 (Fla. 2008). “922 or section 627.421, Florida Statutes (2003), or both, require delivery of evidence of insurance directly to the insured, so that delivery to the insured's representativeacting as an independent insurance broker in the transactionis insufficient.”
ZC Ins. Co. v. Brooks, 847 So. 2d 547 (Fla. 4th DCA 2003). “We conclude that the general statement in the rental agreement that SLI coverage is subject to other specific exclusions, which are summarized in a separate document available on request, does not satisfy the requirements of section 627.421, Florida Statutes (2002).”
The Ins. v. Dollar Rent-A-Car Sys., 900 So. 2d 694 (Fla. 5th DCA 2005). “The trial court granted summary judgment in which it found coverage for two reasons: (1) section 627.421, Florida Statutes (2004), required T.”
Lloyds Underwriters at London v. Keystone Equip. Fin. Corp., 25 So. 3d 89 (Fla. 4th DCA 2009). “Section 627.421 requires delivery of the insurance policy not more than sixty days after effectuation of coverage.”
Cont'l Cas. Co. v. United Pac. Ins. Co., 637 So. 2d 270 (Fla. 5th DCA 1994). “1st DCA 1985), for the proposition that section 627.421 does not authorize the indemnification of attorney's fees from one insurer to another when both have a duty to defend.”
Pennsylvania Lumbermens Mut. Ins. Co. v. Indiana Lumbermens Mut. Ins. Co., 43 So. 3d 182 (Fla. 4th DCA 2010). “(citing section 627.421(1), Florida Statutes).”
Argonaut Ins. Co. v. Maryland Cas. Co., 372 So. 2d 960 (Fla. 3d DCA 1979). “, Section 627.421(1), Florida Statutes) by the insured.”
State Farm Fire & Cas. Co. v. Oliveras, 441 So. 2d 175 (Fla. 4th DCA 1983). “This is a goal the legislature had set for automobile insurance in Section 627.421, Florida Statutes (1981), and made more explicit via Section 627.”
Essex Ins. v. Zota, 607 F. Supp. 2d 1340 (S.D. Fla. 2009). “922 or § 627.421, or both, require delivery of evidence of insurance directly to the insured, so that delivery to the insured’s agent is insufficient.”
Essex Ins. Co. v. Mercedes Zota, 466 F.3d 981 (11th Cir. 2006). “” Fla. Stat. § 627.421 (1). The district court interpreted these two statutory provisions to require delivery of the policy directly to the insured.”
Miller v. Am. Banker's Ins. Grp., 85 F. Supp. 2d 1297 (S.D. Fla. 1999). “Therefore, Fla. Stat. § 627.421 , requiring that the insurer provide a copy of the insurance policy to the insured within 60 days after coverage begins, is inapplicable to this Court’s consideration.”
High Definition Mobile Mri, Inc. a/a/o Louima Susette v. State Farm Mut. Auto. Ins. Co. (Fla. 4th DCA 2021). “Section 627.421, in turn, governs delivery of an insurance policy.”
— 627.421(1) — 7 cases
Essex Ins. Co. v. Zota, 985 So. 2d 1036 (Fla. 2008). “922 or section 627.421, Florida Statutes (2003), or both, require delivery of evidence of insurance directly to the insured, so that delivery to the insured's representativeacting as an independent insurance broker in the transactionis insufficient.”
Pennsylvania Lumbermens Mut. Ins. Co. v. Indiana Lumbermens Mut. Ins. Co., 43 So. 3d 182 (Fla. 4th DCA 2010). “(citing section 627.421(1), Florida Statutes).”
Argonaut Ins. Co. v. Maryland Cas. Co., 372 So. 2d 960 (Fla. 3d DCA 1979). “, Section 627.421(1), Florida Statutes) by the insured.”
Lloyds Underwriters at London v. Keystone Equip. Fin. Corp., 25 So. 3d 89 (Fla. 4th DCA 2009). “Section 627.421 requires delivery of the insurance policy not more than sixty days after effectuation of coverage.”
Cont'l Cas. Co. v. United Pac. Ins. Co., 637 So. 2d 270 (Fla. 5th DCA 1994). “1st DCA 1985), for the proposition that section 627.421 does not authorize the indemnification of attorney's fees from one insurer to another when both have a duty to defend.”
— 627.421(3) — 1 case
High Definition Mobile Mri, Inc. a/a/o Louima Susette v. State Farm Mut. Auto. Ins. Co. (Fla. 4th DCA 2021). “Section 627.421, in turn, governs delivery of an insurance policy.”
— 627.421(4)(e) — 1 case
High Definition Mobile Mri, Inc. a/a/o Louima Susette v. State Farm Mut. Auto. Ins. Co. (Fla. 4th DCA 2021). “Section 627.421, in turn, governs delivery of an insurance policy.”
Annotations are extracted automatically from the opinions in the
Syfert caselaw corpus and ranked by authority, recency, and
treatment. Dots show Syfertize treatment of the citing case itself.