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Florida Statutes

Fla. Stat. § 627.835 (2025)

Excessive premium finance charge; penalty.

✓ 2025 Florida Statutes — current through the 2025 Regular Session
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627.835 Excessive premium finance charge; penalty.—Any person, premium finance company, or other legal entity who or which knowingly takes, receives, reserves, or charges a premium finance charge other than that authorized by this part shall thereby forfeit the entire premium finance charge to which such person, premium finance company, or legal entity would otherwise be entitled; and any person who has paid such unlawful finance charge may personally or by her or his legal or personal representative, by suit for recovery thereof, recover from such person, premium finance company, or legal entity twice the entire amount of the premium finance charge so paid.
History.—s. 1, ch. 63-16; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 599, 612, 809(2nd), ch. 82-243; s. 79, ch. 82-386; s. 114, ch. 92-318; s. 365, ch. 97-102.
Notes of Decisions
Cited in 4 cases, 2004–2012 · leading case: Sosa v. Safeway Premium Fin. Co., 73 So. 3d 91 (Fla. 2011).
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Sosa v. Safeway Premium Fin. Co., 73 So. 3d 91 (Fla. 2011). · cites it 40× “" § 627.835, Fla. Stat. (2003). After filing his complaint, Sosa moved for class certification.”
Safeway Premium Fin. Co. v. Sosa, 15 So. 3d 8 (Fla. 3d DCA 2009). · cites it 18× “§ 627.835, Fla. Stat. (2002) (emphasis added).”
Smith v. Foremost Ins. Co., 884 So. 2d 341 (Fla. 2d DCA 2004). “She sought a declaratory judgment and injunctive relief as well as statutory damages, pursuant to section 627.835, of twice the service fees paid.”
Sec. Life of Denver Ins. v. Shah, 906 F. Supp. 2d 1334 (S.D. Ga. 2012). · cites it 2× “Fla. Stat. § 627.835 . In addition, any interest charged by a premium finance company is subject to the interest rate requirements contained in Fla.”
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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 handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.