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Florida Statute 627.786 - Full Text and Legal Analysis Florida Statute 627.786 | Lawyer Caselaw & Research
Fla. Stat. § 627.786 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
627.786 Transaction of title insurance and any other kind of insurance prohibited.
(1) An insurer may not transact title insurance and any other kind of insurance in this state.
(2) Subsection (1) does not apply to any insurer actively transacting title insurance and any other kind of insurance in this state on January 1, 1965.
(3) Subsection (1) does not preclude a title insurer from providing instruments to any prospective insured, in the form and content approved by the office, under which the title insurer assumes liability for loss due to the fraud of, dishonesty of, misappropriation of funds by, or failure to comply with written closing instructions by, its contract agents, agencies, or approved attorneys in connection with a real property transaction for which the title insurer is to issue a title insurance policy.
History.s. 12, ch. 65-359; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 1, 2, ch. 79-16; ss. 2, 3, ch. 81-318; ss. 584, 809(2nd), ch. 82-243; s. 79, ch. 82-386; ss. 104, 114, ch. 92-318; s. 19, ch. 99-286; s. 1208, ch. 2003-261.

Cases Citing F.S. 627.786

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·Geico Gen. Ins. Co. v. Virtual Imaging Servs., Inc., 141 So. 3d 147 (Fla. 2013).

Cited 9 times | Published | Supreme Court of Florida | 38 Fla. L. Weekly Supp. 517, 2013 WL 3332385, 2013 Fla. LEXIS 1387

...The 2008 amendments provided, in part, more specific guidelines regarding a PIP insurer’s ability to limit reimbursements. *154 Specifically, these provisions provided that insurers “may limit reimbursement” to eighty percent of a schedule of maximum charges set forth in the PIP statute. § 627.786(5)(a)2., Fla....
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Cited as authority(citing case) (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2023)
phrase: "rule_authority"
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·Sommers v. Smith & Berman, PA, 637 So. 2d 60 (Fla. 4th DCA 1994).

Cited 6 times | Published | Florida 4th District Court of Appeal | 1994 WL 189632

...4th DCA 1991) (an agent can be the agent of the insurance company for one purpose and the agent of the insured for other purposes). Florida has a statute which authorizes a title insurer to undertake more responsibility in a closing besides issuing a title policy. Section 627.786(3), Florida Statutes (1987) authorizes the title insurance company to assume responsibility for losses arising out of a closing by "providing instruments to any prospective insured, in the form and content approved by the department [...
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Cited as authorityMazel (2020)
phrase: "rule_authority"
Cited as authority(citing case) (2012)
phrase: "rule_authority"
Cited as authorityProctor (2008)
phrase: "rule_authority"
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·Allstate Fire & Cas. Ins. Co. v. Perez, 111 So. 3d 960 (Fla. 2d DCA 2013).

Cited 4 times | Published | Florida 2nd District Court of Appeal | 2013 WL 1748554, 2013 Fla. App. LEXIS 6626

...As in this case, the insurer would have to look beyond the CPT code to determine whether the services represented in the code are reimbursable under Medicare Part B. We understand that this complicates the reimbursement process under the PIP statute. Nonetheless, we are bound by the plain language of section 627.786(5)(a)(2)(f), which does not require a CPT code to be recognized by Medicare Part B if the services are otherwise covered and reimbursable under Medicare Part B....
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Cited as authority(citing case) (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2022)
phrase: "rule_authority"
Cited as authority(citing case) (2022)
phrase: "rule_authority"
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·Nunez v. Geico Gen. Ins., 117 So. 3d 388 (Fla. 2013).

Cited 3 times | Published | Supreme Court of Florida | 38 Fla. L. Weekly Supp. 440, 2013 WL 3214401, 2013 Fla. LEXIS 1315

...575 , 577 n. 3 (Fla. 11th Cir.Ct. Apr. 7, 2011). More than just persuasive, Custer is correct under the terms of the PIP statute, its underlying purpose of swift and virtually automatic payment to the insured, and relevant caselaw. *393 1. The PIP Statute Section 627.786, Florida Statutes (2008), is silent regarding EUOs — it does not authorize their use, much less denial of benefits for failure to attend one....
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Cited as authority(citing case) (2024)
phrase: "rule_authority"
Cited as authority(citing case) (2022)
phrase: "rule_authority"
Cited as authority(citing case) (2021)
phrase: "rule_authority"
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·FCOA LLC v. Foremost Title & Escrow Servs. LLC (11th Cir. 2023).

Published | Court of Appeals for the Eleventh Circuit

...ame from Florida policies. How- ever, one thing FIC does not offer is title insurance. Under Florida law, entities that issue title insurance are prohibited from selling any other type of insurance, and vice versa. Fla. Stat. § 627.786....
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Cited as authorityCarter (2026)
phrase: "rule_authority"
Cited as authority(citing case) (2025)
phrase: "rule_authority"
Cited as authorityDrummond (2025)
phrase: "rule_authority"
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·State Farm Mut. Auto. Ins. Co. v. Delray Med. Ctr., Inc., 178 So. 3d 511 (Fla. 4th DCA 2015).

Published | Florida 4th District Court of Appeal | 2015 Fla. App. LEXIS 16568, 2015 WL 6735339

DCA 2001), also examined the parameters of section 627.786(6)(b). In that case, the court found good cause
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Distinguished(citing case) (2017)
phrase: "distinguishing"
Cited as authority(citing case) (2016)
phrase: "rule_authority"
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·State Farm Mut. Auto. Ins. v. Nicholson, 337 So. 2d 860 (Fla. Dist. Ct. App. 1976).

Published | District Court of Appeal of Florida | 1976 Fla. App. LEXIS 15503

...excepted from such coverage. Thereafter the trial court, as a result of this interpretation of the exclusionary term “motorcycle,” held that Nicholson was entitled to recover PIP benefits from State Farm. The relevant statute in the Act is F.S. § 627.786(4)(d)(l) which provides that benefits obtain for, “Accidental bodily injury sustained in this state by the owner while occupying a motor vehicle or while not an occupant of a motor vehicle or motorcycle if the injury is caused by physica...
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Cited as authorityO'KELLEY (1977)
phrase: "rule_authority"
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State Farm Mut. Auto. Ins. v. Jenkins, 767 So. 2d 622 (Fla. 4th DCA 2000).

Published | Florida 4th District Court of Appeal | 2000 Fla. App. LEXIS 11913, 2000 WL 1345932

...Without reaching the legal analysis in the circuit court opinion, we deny the petition for writ of certiorari. By the time State Farm requested an examination *623 ■under oath on June 4, the claim filed on April 29 was already overdue under the thirty day provision of section 627.786(4)(b), Florida Statutes (1999)....
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State Farm Mut. Auto. Ins. Co. v. Gonzalez, 178 So. 3d 448 (Fla. 3d DCA 2015).

Published | Florida 3rd District Court of Appeal | 2015 Fla. App. LEXIS 15185, 2015 WL 5965211

PIP benefits were overdue). Although section 627.786(4)(b) provides that PIP benefits “shall be
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Escrow Disbursement Ins. Agency, Inc. v. Am. Title & Ins., 551 F. Supp. 302 (S.D. Fla. 1982).

Published | District Court, S.D. Florida | 11 Fed. R. Serv. 1767, 1982 U.S. Dist. LEXIS 15750

...*304 ISSUES In this case, a hearing was requested by Escrow Disbursement Insurance Agency, Inc. (EDI) to resolve three issues. The first issue was whether "escrow letters" or "insured closing letters" issued by title insurance companies in the state of Florida are prohibited by Fla.Stat. § 627.786....
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Granada Ins. Co. v. Mark A. Cereceda, D.C., P.A., 997 So. 2d 1243 (Fla. 3d DCA 2008).

Published | Florida 3rd District Court of Appeal | 2008 Fla. App. LEXIS 20377

wrote the “plain and unambiguous terms [of] section 627.786(7)(a) do[] not address situations in which

This Florida statute resource is curated by Graham Syfert, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). 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.