Florida Statute 627.421 | Lawyer Caselaw & Research

The 2024 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 Casetext

Amendments to 627.421

Arrestable Offenses / Crimes under Fla. Stat. 627.421

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

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 627.421.

Annotations, Discussions, Cases:

Cases Citing Statute 627.421

Total Results: 9

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

Court: Fla. Dist. Ct. App. | Date Filed: 2021-06-02T00:53:00-07:00

Snippet: violate anything in section 627.421. State Farm complied with section 627.421(3) because, at a minimum, …violated the plain language of sections 627.413, 627.421, and 627.736(5)(a)5., Florida Statutes, “by not…Fla. Stat. (2012) (emphasis added). Section 627.421, in turn, governs delivery of an insurance policy…the summary, provide a readable policy. § 627.421(3), Fla. Stat. (2012) (emphasis added). Finally…provided a “readable policy.” Moreover, section 627.421(4)(e) does not apply in this case. 2 1This provision

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

Court: Fla. Dist. Ct. App. | Date Filed: 2010-09-15T00:00:00-07:00

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

Snippet: enforce all necessary rights.” Id. (citing section 627.421(1), Florida Statutes). No. 4D09-1382

Lloyds Underwriters at London v. Keystone Equipment Finance Corp.

Court: Fla. Dist. Ct. App. | Date Filed: 2009-12-23T00:00:00-08:00

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

Snippet: delivery requirements of Florida Statutes sections 627.421 and 626.922, and the insured had not otherwise …provided notice of the garaging warranty. Section 627.421 requires delivery of the insurance policy not more…sixty days after effectuation of coverage. See § 627.421(1), Fla. Stat. (2008). Section 626.922 requires…consequence of any failure to comply with sections 627.421 and 626.922 because Florida law expressly provides…regardless of any failure to comply with sections 627.421 and 626.922, or the failure to provide the insured

Essex Ins. Co. v. Zota

Court: Fla. | Date Filed: 2008-06-26T00:53:00-07:00

Citation: 985 So. 2d 1036

Snippet: rather, sections 627.421 and 627.428 appear in part II of that chapter.[8]See §§ 627.421 ("Delivery…coverage." § 627.421(1), Fla. Stat. (2003) (emphasis supplied). Section 627.421 does not state that…upon an interpretation of sections 626.922 and 627.421, Florida Statutes (2003), that would alter our …Essex had violated Florida Statutes §§ 626.922 and 627.421 by not delivering the policy to Lighthouse and,…required by Florida Statutes *1041 §§ 626.922 and 627.421.[[4]] The defendants subsequently filed a motion

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

Court: Fla. Dist. Ct. App. | Date Filed: 2005-04-22T00:53:00-07:00

Citation: 900 So. 2d 694

Snippet: it found coverage for two reasons: (1) section 627.421, Florida Statutes (2004), required T.H.E. to deliver…Garner, 416 So.2d 503 (Fla. 5th DCA 1982). Section 627.421 (1) Delivery of Copy of Policy We disagree with… print and in plain language. Although section 627.421 requires delivery of a copy of an automobile policy…deliver a policy of insurance as required by section 627.421. McGrath cannot show that he was prejudiced by

ZC Ins. Co. v. Brooks

Court: Fla. Dist. Ct. App. | Date Filed: 2003-05-14T00:00:00-07:00

Citation: 847 So. 2d 547

Snippet: the requirements of section 627.421, Florida Statutes (2002). Section 627.421 requires delivery of every…sixty days after the effectuation of coverage. § 627.421(1). The statute also requires that: [a]ny automobile…be the "summary" mandated by section 627.421. Instead, contrary to the statutory requirement…x27;s thoughtful dissent observes that section 627.421 grants sixty days to provide a copy of the policy…regarding coverage. I do not think that section 627.421, Florida Statutes (1999), forms a basis for creating

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

Court: Fla. Dist. Ct. App. | Date Filed: 1994-04-22T00:53:00-07:00

Citation: 637 So. 2d 270

Snippet: suit with other statutory remedies (e.g., Section 627.421(1), Florida Statutes) by the insured. An insured…1st DCA 1985), for the proposition that section 627.421 does not authorize the indemnification of attorney

State Farm Fire & Cas. Co. v. Oliveras

Court: Fla. Dist. Ct. App. | Date Filed: 1983-11-15T23:53:00-08:00

Citation: 441 So. 2d 175

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

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

Court: Fla. Dist. Ct. App. | Date Filed: 1979-06-19T00:53:00-07:00

Citation: 372 So. 2d 960

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