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Fla. Stat. § 627.682 (2025)

Filing, approval of forms.

✓ 2025 Florida Statutes — current through the 2025 Regular Session
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627.682 Filing, approval of forms.—All forms of policies, certificates of insurance, statements of insurance, applications for insurance, binders, endorsements, and riders of credit life or disability insurance delivered or issued for delivery in this state shall be filed with and approved by the office before use as provided in ss. 627.410 and 627.411. In addition to grounds as specified in s. 627.411, the office, upon compliance with the procedures set forth in s. 627.410, shall disapprove any such form and may withdraw any previous approval thereof if the benefits provided therein are not reasonable in relation to the premiums charged, or if it contains provisions which are unjust, unfair, inequitable, misleading, or deceptive or which encourage misrepresentation of such policy.
History.—s. 601, ch. 59-205; ss. 13, 35, ch. 69-106; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 537, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318; s. 1180, ch. 2003-261.
Notes of Decisions
Cited in 2 cases, 2004–2006 · leading case: Gonzalez v. Eagle Ins. Co., 948 So. 2d 1 (Fla. 3d DCA 2006).
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Gonzalez v. Eagle Ins. Co., 948 So. 2d 1 (Fla. 3d DCA 2006). “2d at 594-95 , that, if a violation of section 627.682 renders the insurance contract void, the insureds would be entitled to restitution of the premiums paid on the insurance contract.”
Trotter v. Ford Motor Credit Corp., 868 So. 2d 593 (Fla. 2d DCA 2004). “Another law, section 627.682, requires that insurance companies file certain forms pertaining to credit life and credit disability insurance with the Florida Department of Insurance.”
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This Florida statute resource is curated by Graham Syfert, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.