Florida Statute 627.731 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.731 Purpose.—The purpose of ss. 627.730-627.7405 is to provide for medical, surgical, funeral, and disability insurance benefits without regard to fault, and to require motor vehicle insurance securing such benefits, for motor vehicles required to be registered in this state and, with respect to motor vehicle accidents, a limitation on the right to claim damages for pain, suffering, mental anguish, and inconvenience.

History.—s. 2, ch. 71-252; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 550, 563, ch. 82-243; s. 19, ch. 2003-411; s. 9, ch. 2007-324.

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Amendments to 627.731

Annotations, Discussions, Cases:

Cases Citing Statute 627.731

Total Results: 42

Allstate Ins. Co. v. Kaklamanos

843 So. 2d 885, 2003 WL 1740882

Supreme Court of Florida | Filed: Apr 3, 2003 | Docket: 271161

Cited 254 times | Published

insurance benefits without regard to fault. See § 627.731, Fla. Stat. (2001); United Auto. Ins. Co. v. Rodriguez

State Farm Mut. Auto. Ins. Co. v. Nichols

932 So. 2d 1067, 31 Fla. L. Weekly Supp. 358, 2006 Fla. LEXIS 982, 2006 WL 1491542

Supreme Court of Florida | Filed: Jun 1, 2006 | Docket: 1072860

Cited 117 times | Published

suffering, mental anguish, and inconvenience." § 627.731, Fla. Stat. (2001). In order to accomplish this

Lasky v. State Farm Insurance Company

296 So. 2d 9

Supreme Court of Florida | Filed: May 28, 1974 | Docket: 2556516

Cited 113 times | Published

the constitutionality of the means chosen. F.S. § 627.731, F.S.A., which purports to state the purpose of

Menendez v. Progressive Express Insurance Co.

35 So. 3d 873, 35 Fla. L. Weekly Supp. 222, 2010 Fla. LEXIS 581, 2010 WL 1609785

Supreme Court of Florida | Filed: Apr 22, 2010 | Docket: 2515595

Cited 79 times | Published

vehicle insurance securing such *877 benefits." § 627.731, Fla. Stat. (2006); accord United Auto. Ins. Co

Reid v. State Farm Fire & Cas. Co.

352 So. 2d 1172

Supreme Court of Florida | Filed: Oct 31, 1977 | Docket: 1694081

Cited 50 times | Published

injury and property damage liability insurance. Section 627.731, Florida Statutes (1975). The policy in this

Nichols v. State Farm Mut.

851 So. 2d 742, 2003 Fla. App. LEXIS 8794, 2003 WL 21359343

District Court of Appeal of Florida | Filed: Jun 13, 2003 | Docket: 1691422

Cited 21 times | Published

suffering, mental anguish, and inconvenience." § 627.731, Fla. Stat. (2001). In order to accomplish this

Nichols v. State Farm Mut.

851 So. 2d 742, 2003 Fla. App. LEXIS 8794, 2003 WL 21359343

District Court of Appeal of Florida | Filed: Jun 13, 2003 | Docket: 1691422

Cited 21 times | Published

suffering, mental anguish, and inconvenience." § 627.731, Fla. Stat. (2001). In order to accomplish this

Palma v. State Farm Fire & Cas. Co.

489 So. 2d 147, 11 Fla. L. Weekly 1221

District Court of Appeal of Florida | Filed: May 28, 1986 | Docket: 1528829

Cited 13 times | Published

liberally in favor of the insured: First of all, § 627.731 thereof states that the purpose of the act is

Allstate Ins. Co. v. Holy Cross Hosp., Inc.

961 So. 2d 328, 32 Fla. L. Weekly Supp. 453, 2007 Fla. LEXIS 1228, 2007 WL 2002542

Supreme Court of Florida | Filed: Jul 12, 2007 | Docket: 1515751

Cited 11 times | Published

motor vehicle insurance securing such benefits." § 627.731, Fla. Stat. (2006); accord United Auto. Ins. Co

Stellas v. Alamo Rent-A-Car, Inc.

673 So. 2d 940, 1996 Fla. App. LEXIS 5152, 1996 WL 267911

District Court of Appeal of Florida | Filed: May 22, 1996 | Docket: 845540

Cited 10 times | Published

suffering, mental anguish, and inconvenience." § 627.731, Fla.Stat. (1993). The instant case involves a

Geico General Insurance Co. v. Virtual Imaging Services, Inc.

141 So. 3d 147, 38 Fla. L. Weekly Supp. 517, 2013 WL 3332385, 2013 Fla. LEXIS 1387

Supreme Court of Florida | Filed: Jul 3, 2013 | Docket: 60241811

Cited 9 times | Published

vehicle insurance securing such benefits.” See § 627.731, Fla. Stat. (2008). The PIP statute, codified

Pasteur Health Plan, Inc. v. Salazar

658 So. 2d 543, 20 Fla. L. Weekly Fed. D 1083

District Court of Appeal of Florida | Filed: May 3, 1995 | Docket: 439212

Cited 9 times | Published

licensed for use on the highways of this state. ..." § 627.731, Fla. Stat. (1993) (emphasis added); see also

Malu v. SECURITY NAT. INS. CO.

898 So. 2d 69, 2005 WL 549933

Supreme Court of Florida | Filed: Mar 10, 2005 | Docket: 1732234

Cited 8 times | Published

suffering, mental anguish, and inconvenience. § 627.731, Fla. Stat. (2003). The statute is not reasonably

Farley v. Gateway Insurance Company

302 So. 2d 177

District Court of Appeal of Florida | Filed: Oct 30, 1974 | Docket: 1742496

Cited 8 times | Published

Automobile Reparations Reform Act. First of all, § 627.731[3] thereof states that the purpose of the act

Charter Oak Fire Ins. Co. v. Regalado

339 So. 2d 277, 1976 Fla. App. LEXIS 15945

District Court of Appeal of Florida | Filed: Nov 16, 1976 | Docket: 1436463

Cited 7 times | Published

made the following observations: "First of all, § 627.731 thereof states that the purpose of the act is

Progressive American Ins. Co. v. Stand-Up MRI of Orlando

990 So. 2d 3, 2008 Fla. App. LEXIS 10525, 2008 WL 2695876

District Court of Appeal of Florida | Filed: Jul 11, 2008 | Docket: 1374531

Cited 6 times | Published

motor vehicle insurance securing such benefits." § 627.731, Fla. Stat. (2006).... The "Required Personal

Reid v. Allstate Ins. Co.

344 So. 2d 877

District Court of Appeal of Florida | Filed: Mar 18, 1977 | Docket: 474656

Cited 6 times | Published

injury and property damage liability insurance. Section 627.731, Florida Statutes (1975). The policy in this

Central Magnetic Imaging Open MRI of Plantation, Ltd. v. State Farm Mutual Automobile Insurance

789 F. Supp. 2d 1311, 2011 U.S. Dist. LEXIS 63698, 2011 WL 2247821

District Court, S.D. Florida | Filed: Jun 3, 2011 | Docket: 1992045

Cited 3 times | Published

2d 328, 331-32 (Fla.2007) (quoting FLA. STAT. § 627.731 (2006)). The Florida No-Fault Law allows the "security"

Cavalier Ins. Corp. v. Myles

347 So. 2d 1060, 1977 Fla. App. LEXIS 16242

District Court of Appeal of Florida | Filed: Jun 24, 1977 | Docket: 1687359

Cited 2 times | Published

of the "no-fault act" as announced in Florida Statute 627.731, which provides as follows: "The purpose

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY v. M R I ASSOCIATES OF TAMPA, INC. D/ B/ A PARK PLACE M R I

252 So. 3d 773

District Court of Appeal of Florida | Filed: May 18, 2018 | Docket: 6775142

Cited 1 times | Published

securing such benefits." Id. at 152 (quoting § 627.731, Fla. Stat. (2008)). The mandate that an insurer

Florida Medical & Injury Center, Inc. v. Progressive Express Insurance Co.

29 So. 3d 329, 2010 Fla. App. LEXIS 420, 2010 WL 198459

District Court of Appeal of Florida | Filed: Jan 22, 2010 | Docket: 1643596

Cited 1 times | Published

actually more akin to the D & A form. [7] See § 627.731, Fla. Stat. (2008). [8] Ivey v. Allstate Ins

Padilla v. LIBERTY MUT.

934 So. 2d 511, 2005 WL 1965863

District Court of Appeal of Florida | Filed: Aug 17, 2005 | Docket: 2522970

Cited 1 times | Published

suffering, mental anguish, and inconvenience. § 627.731, Fla. Stat. (2003). In Florida, however, there

Progressive Specialty Insurance Company v. Florida Hospital Ocala, Inc. D/B/A Adventhealth Ocala A/A/O Sandra Thomas

District Court of Appeal of Florida | Filed: Oct 14, 2024 | Docket: 69257779

Published

motor vehicle insurance securing such benefits.” § 627.731, Fla. Stat. (2019). The No-Fault Law requires

MERCURY IDEMNITY COMPANY OF AMERICA vs CENTRAL FLORIDA MEDICAL & CHIROPRACTIC CENTER, INC. D/B/A STERLING MEDICAL GROUP A/A/O STHEFANY SANTIAGO

District Court of Appeal of Florida | Filed: Oct 27, 2023 | Docket: 68034059

Published

mentions the statute’s express purpose stated in section 627.731. But again, the text in that section does not

MERCURY INDEMNITY COMPANY OF AMERICA v. PAN AM DIAGNOSTIC OF ORLANDO, a/a/o JOCELINE PIERRILUS

District Court of Appeal of Florida | Filed: Jun 7, 2023 | Docket: 67482044

Published

insurance benefits without regard to fault. . . .” § 627.731, Fla. Statutes (2017). The Florida Supreme Court

HERMAN COLE v. UNIVERSAL PROPERTY & CASUALTY INSURANCE COMPANY

District Court of Appeal of Florida | Filed: May 3, 2023 | Docket: 67068638

Published

securing such benefits.” Id. at 876- 87 (quoting § 627.731, Fla. Stat. (2006)). The same considerations are

COMPREHENSIVE HEALTH CENTER, LLC, A/A/O ANGELA COOPER v. STAR CASUALTY INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Feb 22, 2023 | Docket: 66833831

Published

motor vehicle insurance securing such benefits.” § 627.731, Fla. Stat. The Florida Supreme Court has stated

LIBERTY MUTUAL INSURANCE COMPANY v. PAN AM DIAGNOSTIC SERVICES, INC. d/b/a PAN AM DIAGNOSTIC OF ORLANDO a/a/o CLAUDINE JEAN

District Court of Appeal of Florida | Filed: Aug 17, 2022 | Docket: 64898837

Published

suffering, mental anguish, and inconvenience. § 627.731, Fla. Stat. (2019) (emphasis added). The

BARTOW HMA, INC. d/b/a BARTOW REGIONAL CENTER, etc. v. SECURITY NATIONAL INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Jul 14, 2021 | Docket: 60057006

Published

benefits.’” Virtual III, 141 So. 3d at 152 (quoting § 627.731, Fla. Stat. (2008)). “The PIP statute, codified

FLORIDA PAIN & REHABILITATION OF WEST DADE v. INFINITY AUTO INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Apr 21, 2021 | Docket: 59840436

Published

vehicles required to be registered in this state.” § 627.731, Fla. Stat. (2018). To comply with these sections

DAVID RIVERA v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

District Court of Appeal of Florida | Filed: Feb 24, 2021 | Docket: 59678199

Published

vehicle insurance securing such benefits . . . .” § 627.731, Fla. Stat. (2014). “Without a doubt, the purpose

Gov't Emps. Ins. Co. v. Quality Diagnostic Health Care, Inc.

369 F. Supp. 3d 1292

District Court, S.D. Florida | Filed: Feb 25, 2019 | Docket: 64323554

Published

for Health Care Administration."); Fla. Stat. § 627.731 ("The purpose of ss. 627.730-627.7405 is to provide

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY v. M R I ASSOCIATES OF TAMPA, INC. D/ B/ A PARK PLACE M R I

District Court of Appeal of Florida | Filed: May 18, 2018 | Docket: 6831815

Published

securing such benefits." Id. at 152 (quoting § 627.731, Fla. Stat. (2008)). The mandate that an insurer

Sheldon v. United Services Automobile Ass'n

55 So. 3d 593, 2010 Fla. App. LEXIS 20245

District Court of Appeal of Florida | Filed: Dec 28, 2010 | Docket: 60298427

Published

forced to sue to recover those benefits. See § 627.731 Fla. Stat. (2008). As Dr. Sheldon acknowledges

Sheldon v. UNITED SERVICES AUTO. ASS'N

55 So. 3d 593, 2010 WL 5306461

District Court of Appeal of Florida | Filed: Dec 28, 2010 | Docket: 2408101

Published

forced to sue to recover those benefits. See § 627.731 Fla. Stat. (2008). As Dr. Sheldon acknowledges

DWFII Corp. v. State Farm Mutual Automobile Insurance

271 F.R.D. 676, 2010 U.S. Dist. LEXIS 133676, 2010 WL 5094242

District Court, S.D. Florida | Filed: Dec 10, 2010 | Docket: 66043717

Published

insurance without regard to fault. Fla. Stat. § 627.731 (2006). Every policy under the No-Fault Statute

Coastal Neurology, Inc. v. State Farm Mutual Automobile Insurance

271 F.R.D. 538, 78 Fed. R. Serv. 3d 21, 2010 U.S. Dist. LEXIS 128031, 2010 WL 4878573

District Court, S.D. Florida | Filed: Nov 30, 2010 | Docket: 66043697

Published

insurance without regard to fault. Fla. Stat. § 627.731 (2006). Every policy under the No-Fault Statute

General Accident Insurance Co. of America v. Southern Insurance Co.

563 So. 2d 186, 1990 Fla. App. LEXIS 4459, 1990 WL 83618

District Court of Appeal of Florida | Filed: Jun 21, 1990 | Docket: 64651192

Published

motoring public on our public streets and highways. § 627.731, Fla.Stat. (1989). Section 324.021(7), Florida

Julian v. Johnson

438 So. 2d 503, 1983 Fla. App. LEXIS 24451

District Court of Appeal of Florida | Filed: Sep 29, 1983 | Docket: 64599838

Published

PIP coverage under the facts of this case. Section 627.-731, Florida Statutes (1981), applies the No-Fault

Ochoa v. Lopez

358 So. 2d 1173, 1978 Fla. App. LEXIS 16001

District Court of Appeal of Florida | Filed: May 23, 1978 | Docket: 64564570

Published

insurance policy' which provides PIP benefits. See Section 627.731, .733, and .736, Florida Statutes (1975). The

Deel Motors, Inc. v. Carrington

305 So. 2d 811, 1974 Fla. App. LEXIS 7470

District Court of Appeal of Florida | Filed: Dec 10, 1974 | Docket: 64543660

Published

question is a public livery conveyance. Fla.Stat. § 627.731 states the purpose of the “no-fault” act is to

McKinney v. O'Malley

379 F. Supp. 135, 1974 U.S. Dist. LEXIS 7272

District Court, M.D. Florida | Filed: Aug 6, 1974 | Docket: 66097811

Published

lias since adopted such requirements. P.S.A. § 627.731 et seq. (1972).

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.