Florida lawmakers are again moving to dismantle the state’s no-fault auto insurance system, reviving a debate that has surfaced repeatedly in recent years amid concerns about costs, coverage, and litigation.
The latest effort comes with the filing of Senate Bill 522, which would repeal more than a dozen statutes that form the framework of Florida’s personal injury protection, or PIP, requirements and no-fault rules, according to the bill’s text. The measure mirrors proposals that have stalled or failed in prior sessions.
Under the bill, drivers would no longer be required to carry PIP coverage. Instead, motorists would have to carry minimum liability limits of $25,000 for bodily injury or death of one person, $50,000 for accidents involving multiple injuries or deaths, and $10,000 for property damage.
The 108-page proposal also makes a series of conforming changes to insurance law, including updates to coverage requirements and exclusions for recreational vehicle dealers, reflecting what lawmakers describe as a post-PIP regulatory environment.
Efforts to repeal Florida’s no-fault system have become a perennial issue in Tallahassee, despite resistance from parts of the insurance industry and from Gov. Ron DeSantis. In 2025, the House Commerce Committee’s Insurance Subcommittee approved a no-fault repeal bill that also included changes affecting agents and property insurance. That measure later died in the House Judiciary Committee, according to the legislative record.
DeSantis and several industry trade groups opposed that 2025 proposal, warning it would likely lead to higher rates, more uninsured drivers, and an increase in litigation, BestWire reported. Similar concerns were raised in earlier debates.
Lawmakers did pass a repeal bill in 2021, but DeSantis vetoed it, saying at the time he feared the change could bring unintended consequences. An analysis of that measure found the impact on the private insurance market would depend largely on how premiums respond to the new rules, while state courts and the insurance department would see some fiscal effects.
Supporters of repeal have argued that the current system has failed to control costs and fraud, while critics say eliminating PIP could shift expenses to drivers and courts. The filing of Senate Bill 522 signals that the issue is again likely to draw heavy debate in the weeks ahead.
