Florida Statutes
Fla. Stat. § 627.7275 (2025)
Motor vehicle liability.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
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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.
(c) This subsection controls to the extent of any conflict with any other section.
(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.
Notes of Decisions
Cited in 4
cases (2 in the last 5 years), 2001–2026 · leading case: Allstate Indem. Co. v. Wise, 818 So. 2d 524 (Fla. 2d DCA 2001).
Allstate Indem. Co. v. Wise, 818 So. 2d 524 (Fla. 2d DCA 2001). “[3] See § 627.7275, Fla. Stat. (2000). Thus, I agree that Allstate could not enforce this exclusion for the first ,000 of property damage because of our financial responsibility laws.”
Freeburg Enter., Inc. v. Transp. Cas. Ins. Co., 993 So. 2d 1104 (Fla. 2d DCA 2008). “It acknowledges that Florida law requires every policy containing personal injury protection (PIP) coverage to afford at least ,000 in property damage coverage, per section 627.7275, Florida Statutes (2003), and that the Freeburg policy contained PIP coverage.”
Fether (M.D. Fla. 2026). “” Fla. Stat. §§ 627.7275 (2)(a)(2) and 324.”
Progressive Specialty Ins. Co. v. Florida Hosp. Ocala, Inc. D/B/A Adventhealth Ocala A/A/O Sandra Thomas (Fla. 6th DCA 2024). “§ 627.7275(1), Fla. Stat. (2019). Cf. 3 William J.”
— 627.7275(1) — 1 case
Progressive Specialty Ins. Co. v. Florida Hosp. Ocala, Inc. D/B/A Adventhealth Ocala A/A/O Sandra Thomas (Fla. 6th DCA 2024). “§ 627.7275(1), Fla. Stat. (2019). Cf. 3 William J.”
— 627.7275(2) — 1 case
Fether (M.D. Fla. 2026). “” Fla. Stat. §§ 627.7275 (2)(a)(2) and 324.”
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