Florida Statute 627.7275 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.7275 Motor vehicle liability.—

(1) A motor vehicle insurance policy providing personal injury protection as set forth in s. 627.736 may not be delivered or issued for delivery in this state with respect to any specifically insured or identified motor vehicle registered or principally garaged in this state unless the policy also provides coverage for property damage liability as required by s. 324.022.

(2)(a) Insurers writing motor vehicle insurance in this state shall make available, subject to the insurers’ usual underwriting restrictions:

1. Coverage under policies as described in subsection (1) to an applicant for private passenger motor vehicle insurance coverage who is seeking the coverage in order to reinstate the applicant’s driving privileges in this state if the driving privileges were revoked or suspended pursuant to s. 316.646 or s. 324.0221 due to the failure of the applicant to maintain required security.

2. Coverage under policies as described in subsection (1), which also provides liability coverage for bodily injury, death, and property damage arising out of the ownership, maintenance, or use of the motor vehicle in an amount not less than the limits described in s. 324.021(7) and conforms to the requirements of s. 324.151, to an applicant for private passenger motor vehicle insurance coverage who is seeking the coverage in order to reinstate the applicant’s driving privileges in this state after such privileges were revoked or suspended under s. 316.193 or s. 322.26(2) for driving under the influence.

(b) The policies described in paragraph (a) shall be issued for at least 6 months. After the insurer has issued the policy, the insurer shall notify the Department of Highway Safety and Motor Vehicles that the policy is in full force and effect. Once the provisions of the policy become effective, the coverages for bodily injury, property damage, and personal injury protection may not be reduced below the minimum limits required under s. 324.021 or s. 324.023 during the policy period.

(d) An insurer issuing a policy subject to this section may cancel the policy if, during the policy term, the named insured, or any other operator who resides in the same household or customarily operates an automobile insured under the policy, has his or her driver license suspended or revoked.

(e) This subsection does not require an insurer to offer a policy of insurance to an applicant if such offer would be inconsistent with the insurer’s underwriting guidelines and procedures.

History.—s. 16, ch. 88-370; s. 3, ch. 89-238; s. 1, ch. 89-296; s. 2, ch. 91-106; s. 114, ch. 92-318; s. 29, ch. 95-211; s. 359, ch. 97-102; s. 90, ch. 98-199; s. 1191, ch. 2003-261; s. 3, ch. 2005-72; s. 6, ch. 2007-324; s. 1, ch. 2014-76; s. 10, ch. 2023-186.

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Amendments to 627.7275

Annotations, Discussions, Cases:

Cases Citing Statute 627.7275

Total Results: 3 | Sort by: Relevance | Newest First

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Allstate Indem. Co. v. Wise, 818 So. 2d 524 (Fla. 2d DCA 2001).

Cited 5 times | Published | Florida 2nd District Court of Appeal | 2001 WL 574907

...I am inclined to believe that if this policy had included such certification, this court would be authorized to override this exclusion. Likewise, Florida law does compel family automobiles to have $10,000 of compulsory liability insurance to cover property damage. [3] See § 627.7275, Fla....

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Freeburg Enter., Inc. v. Transp. Cas. Ins. Co., 993 So. 2d 1104 (Fla. 2d DCA 2008).

Published | Florida 2nd District Court of Appeal | 2008 Fla. App. LEXIS 15378, 2008 WL 4489069

...benefits “as required by Florida Law.” TCI hangs its hat on this last phrase. It acknowledges that Florida law requires every policy containing personal injury protection (PIP) coverage to afford at least $10,000 in property damage coverage, per section 627.7275, Florida Statutes (2003), and that the Freeburg policy contained PIP coverage....

...o the last sentence of the statute: “The policy, as to coverage of property damage liability, shall meet the applicable requirements of s. 324.151, subject to the usual policy exclusions such as have been approved in policy forms by the office.” § 627.7275 (emphasis supplied)....

...in the ambit of that provision and that the property damage and no fault benefits described therein are payable if they are otherwise required by law. Under the facts of this case, those benefits are payable because the policy includes PIP coverage. § 627.7275....

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Progressive Specialty Ins. Co. v. Florida Hosp. Ocala, Inc. D/B/A Adventhealth Ocala A/A/O Sandra Thomas (Fla. 6th DCA 2024).

Published | Florida 6th District Court of Appeal

...To be sure, the No-Fault Law effectively incorporates the compulsory liability insurance requirements of the Financial Responsibility Law into a single requirement by requiring Florida car insurance policies providing the compulsory PIP coverage to also include the compulsory liability coverage. § 627.7275(1), Fla....

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.