Florida Statutes

Fla. Stat. § 627.7281 (2025)

Cancellation notice.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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627.7281 Cancellation notice.—An insurer issuing a policy of motor vehicle insurance not covered under the cancellation provisions of s. 627.728 shall give the first-named insured notice of cancellation at least 45 days prior to the effective date of cancellation, except that, when cancellation is for nonpayment of premium, at least 10 days’ notice of cancellation accompanied by the reason therefor shall be given. As used in this section, “policy” does not include a binder as defined in s. 627.420 unless the duration of the binder period exceeds 60 days.

History.—ss. 546, 809(2nd), ch. 82-243; ss. 67, 79, ch. 82-386; s. 3, ch. 85-51; s. 114, ch. 92-318; s. 13, ch. 2011-174.

Notes of Decisions

Cited in 5 cases (1 in the last 5 years), 1986–2021 · leading case: Hepler v. Atlas Mut. Ins. Co., 501 So. 2d 681 (Fla. 1st DCA 1987).

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Hepler v. Atlas Mut. Ins. Co., 501 So. 2d 681 (Fla. 1st DCA 1987). · cites it 6× “, nonpayment of premium, pursuant to section 627.7281, Florida Statutes (1983).”

Martinez v. Gen. Ins. Co., 483 So. 2d 892 (Fla. 3d DCA 1986). · cites it 2× “" [2] This notice of cancellation was sent pursuant to Section 627.7281, Florida Statutes (1983), which requires that the insured be given at least forty-five days' notice before the cancellation becomes effective.”

Magee v. Am. S. Home Ins. Co., 982 So. 2d 1255 (Fla. 1st DCA 2008). · cites it 2× “See § 627.7281, Fla. Stat. Of particular relevance here, American Southern moved for summary judgment offering the following: (1) a portion of a certificate of mailing report dated May 7, 2004; and (2) a certificate of bulk mailing.”

Svetlana Spielberg v. Progressive Select Ins. Co. (Fla. 4th DCA 2021). · cites it 12× “§ 627.7281, Fla. Stat. (2017). We address both the plain language of the statutes and the language of the subject policy.”

Transp. Cas. Ins. Co. v. All Am. Air Freight, Inc., 925 So. 2d 396 (Fla. 4th DCA 2006). · cites it 3× “It was undisputed that the insurer did not give the notice required by the statute, but the insurer argues that it was governed by section 627.7281, Florida Statutes (2002), which does not require notice to the state: Cancellation notice.”

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