If you have searched “did Florida repeal no-fault” or “Florida PIP 2026” recently, you have likely run into confusing or outright incorrect claims. Several websites have stated that Florida has repealed personal injury protection for auto insurance. Some AI-generated search summaries have echoed those claims. A handful of law firm and insurance agency pages have suggested the same.
Here is the verified answer based on public legislative records:
Florida’s no-fault personal injury protection (PIP) law has not been repealed. As of the close of the 2026 Florida legislative session (adjourned March 13, 2026), PIP remains the law in Florida, and the $10,000 minimum PIP coverage requirement still applies to most registered vehicles.
This blog walks through what Florida no-fault car insurance actually requires, what happened in the 2026 session, why the misinformation took hold, and what Florida drivers should do next.
What is Florida no-fault car insurance, or PIP?
Florida’s no-fault car insurance system is built on personal injury protection (PIP) and is codified at Florida Statutes §§ 627.730 through 627.7405. The law was enacted in 1971 and took effect in 1972, making Florida one of about a dozen no-fault states (the others include Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah).
Under no-fault, your own PIP coverage pays for a portion of your medical expenses and lost wages after a car accident, regardless of who caused the crash. You generally cannot sue another driver for non-economic damages such as pain and suffering unless your injuries meet a statutory threshold (significant and permanent loss of an important bodily function, permanent injury within a reasonable degree of medical probability, or significant and permanent scarring or disfigurement under Florida Statute § 627.737).
The full PIP benefits statute is at Florida Statute § 627.736, and the Florida Office of Insurance Regulation publishes a consumer-facing overview at floir.com.
What does Florida PIP cover?
Florida PIP, under Florida Statute § 627.736, covers:
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80% of necessary and reasonable medical expenses, up to the policy limit
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60% of lost wages, up to the policy limit
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A $5,000 death benefit for surviving family members (paid in addition to medical and disability benefits)
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Limited replacement services if you cannot perform regular household tasks
The standard PIP limit is $10,000. To access PIP medical benefits at all, you must receive initial services and care within 14 days of the accident. The full $10,000 medical benefit only unlocks if a qualified provider determines you have an Emergency Medical Condition (EMC). Without an EMC determination, the PIP medical benefit caps at $2,500.
PIP does not pay for pain and suffering, damage to your own vehicle, or damage to other people’s property. A licensed agent from SandStone Insurance Partners can confirm exactly what your PIP, property damage liability, and any optional medical payments coverage include.
Has Florida actually repealed no-fault insurance in 2026?
No. As of the close of the 2026 Florida legislative session (which adjourned sine die on March 13, 2026), the no-fault PIP law remains in force. The misinformation appearing online comes from a mix of pending bills that did not pass, AI-generated answers that surfaced outdated claims, and stale web copy that was never updated.
The verifiable history looks like this:
2021 (SB 54): Passed, vetoed. The Florida Legislature passed Senate Bill 54, which would have repealed PIP and replaced it with a mandatory bodily injury liability framework. Governor Ron DeSantis vetoed the bill on June 30, 2021, stating in his veto letter that the bill “does not adequately address the current issues facing Florida drivers” and could negatively impact both the market and consumers. The full bill record is at flsenate.gov/Session/Bill/2021/54.
2024 session (SB 464): Died in committee. A repeal effort filed in the 2024 session died in the Senate Banking and Insurance Committee on March 8, 2024.
2025 session (HB 1181 / SB 1256): Stalled. Companion bills filed in the 2025 session moved through some subcommittee hearings but did not reach the governor’s desk.
2026 session (SB 522 / HB 769): Died in committee. The most recent Senate effort to repeal Florida’s no-fault structure, Senate Bill 522, died in the Banking and Insurance Committee on March 13, 2026. The companion measure, House Bill 769, died in the House Civil Justice and Claims Subcommittee on the same date.
In other words, no bill has become law that repeals or replaces Florida PIP. The PIP statute that has governed Florida auto insurance since 1972 still governs it in 2026.
What Florida drivers should do in 2026
If you drive a vehicle registered in Florida, the practical points for 2026 are:
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Florida PIP is still required. Most vehicles registered in Florida must carry the statutory minimum $10,000 PIP and $10,000 property damage liability under Florida Statute § 627.736.
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The PIP rules have not changed. The 14-day initial treatment requirement, the Emergency Medical Condition rule that gates the full $10,000 medical benefit, the 80 percent medical / 60 percent wage replacement structure, and the verbal threshold for non-economic damages all remain in effect.
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PIP minimums often fall short of real medical bills. Many Florida drivers carry only the statutory minimum, which can leave a meaningful gap if a serious accident occurs. Bodily injury liability, medical payments coverage, and uninsured/underinsured motorist coverage exist to fill that gap.
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Verify any “PIP repealed” claim. Before changing or canceling any coverage, check the Florida Senate, the Florida House, or LegiScan to confirm what a website is telling you.
A licensed agent from SandStone can review your Florida auto policy in detail and explain how PIP works alongside your other coverages.
How to verify Florida insurance legislation yourself
If you read another claim that PIP, the no-fault law, or any other Florida insurance statute has changed, you can confirm the truth in a few minutes using primary sources:
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Florida Senate: flsenate.gov (search by bill number, sponsor, or topic)
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Florida House of Representatives: myfloridahouse.gov
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Florida Office of Insurance Regulation: floir.com
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Florida Statutes (the actual law): leg.state.fl.us/statutes
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LegiScan (multi-state bill tracking): legiscan.com
If a website cites a specific bill number, look it up. If it cites a statute, read the statute. Primary sources beat secondary commentary every time, especially when AI-generated summaries are surfacing outdated material.
How SandStone helps Florida drivers stay informed
SandStone Insurance Partners serves households across Florida, Georgia, South Carolina, and other states across the Southeast. When material changes to Florida insurance law occur, SandStone’s team monitors the situation and notifies clients about anything that affects their auto, home, or other policies. When misinformation circulates, our agents are happy to verify what is and is not true with a phone call.
If you have questions about Florida PIP, the minimum coverages required for your vehicle, or whether your current auto policy provides enough protection given today’s medical and litigation costs, contact a licensed agent from SandStone for a complimentary policy review.
Florida No-Fault and PIP FAQs
Has Florida repealed no-fault insurance in 2026?
No. As of the close of the 2026 Florida legislative session on March 13, 2026, the state’s no-fault personal injury protection (PIP) law remains in effect. The most recent Senate effort to repeal it, Senate Bill 522, died in committee. The companion House Bill 769 died on the same date. PIP coverage is still required on most vehicles registered in Florida.
Is PIP still mandatory in Florida in 2026?
Yes. PIP is mandatory on most vehicles registered in Florida in 2026. Florida Statute § 627.736 requires registered owners to carry at least $10,000 in personal injury protection, plus $10,000 in property damage liability. The requirement has not changed despite legislative repeal attempts.
What is the Florida 14-day rule for PIP?
The Florida 14-day rule requires drivers to receive initial medical services and care within 14 days of an accident in order to access any PIP medical benefits. If a qualified provider determines you have an Emergency Medical Condition, the full $10,000 PIP medical limit is available; otherwise the medical benefit caps at $2,500. The rule is set by Florida Statute § 627.736(1)(a).
What is Florida’s PIP minimum coverage requirement?
Florida law requires most registered vehicles to carry at least $10,000 in personal injury protection and $10,000 in property damage liability. The requirement is set by Florida Statute § 627.736 and remains unchanged in 2026.
What does PIP cover in Florida?
Florida PIP covers up to 80% of necessary and reasonable medical expenses and up to 60% of lost wages, subject to the $10,000 PIP aggregate limit, regardless of fault. A $5,000 death benefit is also payable to surviving family members. Non-emergency medical benefits require initial treatment within 14 days of the accident, and the full $10,000 medical benefit requires an Emergency Medical Condition determination.
Why did Governor DeSantis veto the 2021 PIP repeal bill?
Governor DeSantis vetoed Senate Bill 54 in 2021, stating in his veto letter that the bill “does not adequately address the current issues facing Florida drivers” and could negatively impact both the market and consumers. The veto kept PIP in place, and no subsequent repeal bill has reached the governor’s desk.
Where can I verify the status of Florida insurance legislation?
You can verify Florida bill status at flsenate.gov, myfloridahouse.gov, or legiscan.com. The Florida Office of Insurance Regulation also publishes consumer-facing guidance on current law.
Is $10,000 in PIP enough for a serious accident?
For many Florida drivers, $10,000 in PIP does not cover the full cost of a serious accident. Emergency care, surgery, and rehabilitation can easily exceed that amount. A licensed agent from SandStone can review your full coverage stack and explain how medical payments coverage, bodily injury liability, and uninsured motorist coverage can supplement PIP.
What should I do if I read that Florida has repealed PIP?
Verify the claim against primary sources before changing your coverage. Check the Florida Senate or Florida House website for the bill number cited, or contact a licensed agent from SandStone for a confirmed answer. Do not change or cancel your auto coverage based on uncited or AI-generated summary claims.
Have questions about your Florida auto coverage? Visit the SandStone auto insurance page or find your nearest SandStone office to talk with a licensed agent.
