Florida Statutes
Fla. Stat. § 627.7415 (2025)
Commercial motor vehicles; additional liability insurance coverage.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
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627.7415 Commercial motor vehicles; additional liability insurance coverage.—Commercial motor vehicles, as defined in s. 207.002 or s. 320.01, operated upon the roads and highways of this state shall be insured with the following minimum levels of combined bodily liability insurance and property damage liability insurance in addition to any other insurance requirements:
(1) Fifty thousand dollars per occurrence for a commercial motor vehicle with a gross vehicle weight of 26,000 pounds or more, but less than 35,000 pounds.
(2) One hundred thousand dollars per occurrence for a commercial motor vehicle with a gross vehicle weight of 35,000 pounds or more, but less than 44,000 pounds.
(3) Three hundred thousand dollars per occurrence for a commercial motor vehicle with a gross vehicle weight of 44,000 pounds or more.
(4) All commercial motor vehicles subject to regulations of the United States Department of Transportation, 49 C.F.R. part 387, subparts A and B, and as may be hereinafter amended, shall be insured in an amount equivalent to the minimum levels of financial responsibility as set forth in such regulations.
A violation of this section is a noncriminal traffic infraction, punishable as a nonmoving violation as provided in chapter 318.
History.—s. 5, ch. 86-18; s. 47, ch. 87-198; s. 313, ch. 99-248; s. 91, ch. 2013-160; s. 12, ch. 2022-175.
Civil Citations under F.S. 627.7415
Driver's license points · R = revocation · S = suspension§627.7415INSURANCE - Operating CMV NOT PROPERLY insured (See 627.742 Nonpublic Sector Buses)
§627.7415(1)INSURANCE - Operating CMV Not Properly insured
§627.7415(2)INSURANCE - Operating CMV Not Properly insured
§627.7415(3)INSURANCE - Operating CMV Not Properly insured
§627.7415(4)INSURANCE - Operating CMV Not Properly insured
Notes of Decisions
Cited in 5
cases (2 in the last 5 years), 1989–2025 · leading case: Kraemer v. GMAC, 556 So. 2d 431 (Fla. 2d DCA 1989).
Kraemer v. GMAC, 556 So. 2d 431 (Fla. 2d DCA 1989). “See § 627.7415, Fla. Stat. (1987). There is no question in my mind that legislative financial responsibility is, both legally and politically, a superior method to address the public concerns arising from the negligent operation of motor vehicles.”
Suazo Ex Rel. Suazo v. Del Busto, 587 So. 2d 480 (Fla. 3d DCA 1991). “(a) In the amount of ,000 because of bodily injury to, or death of, one person in any one accident; * * * * * * (d) With respect to commercial motor vehicles and non-public-sector buses, in the amounts specified in §§ 627.7415 and 627.742, respectively. (8) MOTOR VEHICLE…”
Gen. Accident Ins. Co. of Am. v. S. Ins. Co., 563 So. 2d 186 (Fla. 5th DCA 1990). “; ⅝ * ⅜ 8⅞! ⅝ ⅝ (d) With respect to commercial motor vehicles and non-public-sector buses, in the amounts specified in §§ 627.7415 and 627.742, respectively. Both parties agree the truck-tractor in question is a “commercial vehicle.”
Sanchez v. State Farm Mut. Auto. Ins. Co. (M.D. Fla. 2025). “in any one crash; (b) Subject to such limits for one person, in the amount of ,000 because of bodily injury to, or death of, two or more persons in any one crash; (c) In the amount of ,000 because of injury to, or destruction of, property of others in any one crash; and…”
Sanchez v. State Farm Mut. Auto. Ins. Co. (M.D. Fla. 2025). “in any one crash; (b) Subject to such limits for one person, in the amount of ,000 because of bodily injury to, or death of, two or more persons in any one crash; (c) In the amount of ,000 because of injury to, or destruction of, property of others in any one crash; and…”
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