Florida PIP Repeal: Still Not Law in 2026, and Every Attempt Since 2021

No, Florida has not repealed PIP. As of October 21, 2026, every Florida-registered car with four or more wheels still needs $10,000 of personal injury protection and $10,000 of property damage liability, and the no-fault statute (s. 627.736) is still in the 2026 Florida Statutes. The last change to it was a 2025 reviser's bill, not a repeal.

If you read somewhere that PIP is gone, or "goes away in 2027," you read about a bill. The 2026 bills that would have ended PIP on January 1, 2027 died in committee on March 13, 2026, without a hearing. That's six sessions in a row now with a repeal bill filed, and only one of them ever reached the governor's desk.

Here's what actually happened each year, what the 2026 bills would have done, what a repeal would change for you as a driver, and what I'd do with your policy in the meantime.

Source: Florida Statutes (2026), FLHSMV insurance requirements, Florida Senate bill pages 2021 to 2026.

Where repeal stands on October 21, 2026

Four checks, all on primary sources:

• The statute. The 2026 Florida Statutes still contain s. 627.736, the required PIP benefits section. Its history line ends with s. 19, ch. 2025-4, a reviser's bill. The no-fault law has been on the books since ch. 71-252 in 1971.
• The DMV. FLHSMV still says you must show proof of PIP and property damage liability (PDL) before you register a vehicle with at least four wheels, with minimums of $10,000 each, and the coverage has to stay in force even if the car sits in the driveway.
• The 2026 regular session. SB 522 died in the Senate Banking and Insurance Committee and HB 769 died in the House Civil Justice & Claims Subcommittee, both on March 13, 2026. Neither got a hearing or a vote.
• Special sessions and 2027. The 2026 special sessions D, E and F covered other subjects (maps, the budget, property taxes) and had no PIP bill (D, E, F). The 2027 bill list showed 17 bills on October 21, all Senate claim bills, and none from the House. No repeal bill has been filed for 2027 yet.

So where did the "PIP was repealed" story come from? In May 2026, Claims Journal reported that some law firm and agency websites, and at least one AI search answer, were telling people the no-fault law was gone, one of them claiming a 2025 law ended it effective July 1, 2026. That law doesn't exist. Bills that die in committee leave web pages behind, and those pages read a lot like laws if you skim them.

2021: the one repeal that passed, and the veto

The closest Florida has come is CS/CS/SB 54 in 2021, sponsored by Sens. Burgess and Rouson. It passed both chambers by wide margins. The House companion, HB 719, was laid on the table on April 23, 2021.

• Yes
• No

050100150

Sen. 4/14House 4/26Sen. 4/30House 4/30

Source: Florida Senate, CS/CS/SB 54 (2021) vote history

Show the numbers

	Yes	No
Sen. 4/14	38	1
House 4/26	99	11
Sen. 4/30	37	3
House 4/30	100	16

It was presented to the governor on June 28, 2021 and vetoed the next day. Gov. DeSantis's veto letter said the bill proposes to address Florida's Motor Vehicle No-Fault Law, replacing personal injury protection coverage with bodily injury coverage limits and requiring insurers to offer medical payments coverage. He wrote that while the PIP system has flaws and Florida law regarding bad faith is deficient, the bill does not adequately address the current issues facing Florida drivers and may have unintended consequences that would negatively impact both the market and consumers.

What the final 2021 bill would have done, per the enrolled bill text:

• Repeal the no-fault law and require bodily injury (BI) liability of $25,000 per person and $50,000 per crash.
• Require insurers to offer medical payments coverage (med-pay) at $5,000 and $10,000 with no deductible, and presume every policy carried $10,000 of med-pay unless the policyholder declined it or picked another option.
• Require every policy to carry a $5,000 death benefit per person, and require med-pay to include its own additional death benefit of at least $5,000.
• Make UM coverage pay for pain and suffering without the permanent-injury threshold.
• Let the at-fault party set off $10,000 from noneconomic damages awarded to someone hurt while driving without the required coverage, with exceptions, including when the at-fault driver was impaired or fled the scene.

The "opt-out" med-pay design matters for one number you'll see quoted a lot. More on that below.

2026: what SB 522 and HB 769 would have done

SB 522 was filed November 17, 2025 by Sen. Grall. HB 769, by Reps. Weinberger and Alvarez, D., was filed December 15, 2025 and is listed as similar. Reading the filed text of SB 522, here's what it would have done:

• Repeal the no-fault law: ss. 627.730 through 627.7405, including the PIP benefits section and the tort threshold in s. 627.737, plus s. 627.7407.
• Require BI for everyone. Starting January 1, 2027, every owner or operator of a vehicle that has to be registered would carry $25,000 BI per person, $50,000 per crash, and $10,000 property damage: 25/50/10. The combined single-limit option would have risen from $30,000 to $60,000.
• Stop selling PIP. Policies issued or renewed on or after January 1, 2027 "may not include personal injury protection." Existing PIP policies would count as compliant until renewed, nonrenewed or canceled, and insurers would have to let you drop PIP and refund the premium difference.
• Widen uninsured motorist (UM) coverage. Today, s. 627.727(7) says UM coverage doesn't pay for pain, suffering, mental anguish and inconvenience unless the injury meets the permanent-injury threshold. SB 522 would have made UM liable for those damages.
• Warn policyholders. Every auto insurer would have had to notify customers by October 1, 2026 that no-fault ends January 1, 2027. That deadline came and went with nothing to announce, because the bill died.

Unlike 2021, the 2026 bills did not require insurers to offer med-pay at set limits. And neither bill got a staff analysis, so there's no official estimate of what the 2026 version would have done to premiums. HB 769 had the same core: the same repeal list, 25/50 BI plus $10,000 property damage from January 1, 2027, and no PIP on new policies.

Source: s. 627.736, s. 324.022, s. 324.021, s. 627.727 (2026 Florida Statutes); SB 522 filed text; CS/CS/SB 54 (2021) enrolled text.

Every repeal attempt since 2021

The same idea has come back every session, mostly from the same sponsors. Only the 2021 bill reached a floor vote. The 2022 and 2025 bills cleared at least one committee; the 2023, 2024 and 2026 bills were never heard.

Source: Florida Senate bill pages for each bill (flsenate.gov/Session/Bill), checked October 21, 2026.

The 2025 House bill, HB 1181, went further than anything since 2021. It cleared the Civil Justice & Claims Subcommittee 13-2 and the Insurance & Banking Subcommittee 17-1, then died in the Judiciary Committee on June 16, 2025. Its Senate counterpart, SB 1256, was never heard.

Why repeal keeps stalling

I'm not going to tell you who's right. Here's what the official record shows on both sides.

The case for change. The 2025 House staff analysis notes critics' point that the $10,000 PIP limit hasn't changed since the 1970s and doesn't go far against today's medical bills. The same analysis counts 14 states plus Puerto Rico that require PIP, and five states and D.C. where it's optional, so no-fault is a minority approach.

The case for caution. The 2021 veto letter worried about "unintended consequences" for the market and consumers. Cost is the other worry. In 2021 OIR commissioned an actuarial study of that year's bill, and the House staff analysis reports its estimate: repeal would raise premiums for all coverages combined by 13.3%, about $202 per vehicle per year. That figure assumed the 2021 design, with $10,000 of med-pay on every policy unless the driver opted out. Drivers who rejected med-pay were estimated at +1.5% (about $23), and drivers who picked $5,000 at +8.6% (about $131).

Don't stretch that study onto the 2026 bills. They had no med-pay requirement, and per the House staff analysis OIR hadn't studied the 2025 version's premium effect; staff called its economic impact on the private sector "indeterminate." There is no official number for what repeal in its 2026 form would cost you.

Florida has actually lived without PIP once, briefly. The law expired October 1, 2007 under a 2003 sunset, after a veto of an extension, and a special session revived it effective January 1, 2008 (s. 627.7407; 2025 House staff analysis, p. 6).

What a repeal would change for you

If a bill like SB 522 ever passes and is signed, four things change for an ordinary driver.

Your own injuries stop being paid "no matter who caused it." Today PIP pays 80% of reasonable medical expenses and 60% of lost income, up to $10,000, plus a $5,000 death benefit, whoever was at fault. It covers you, resident relatives, people driving your car, passengers, and pedestrians your car hits. Without PIP, your medical bills after a crash would go to your health insurance, any med-pay you bought, or the at-fault driver's BI coverage.

BI becomes the floor. Right now you can register a private car in Florida without BI. Under the 2026 bills, everyone would carry 25/50, which protects the people you hurt and protects your assets from their claims.

The tort threshold goes away. Under s. 627.737(2), you can sue an insured driver for pain and suffering only for significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death. Repeal removes that bar, which cuts both ways: easier to sue, easier to be sued.

UM gets more valuable. If UM pays pain and suffering without the threshold, the coverage limit you pick matters more.

And some PIP rules you may know would disappear with it: the 14-day window to get initial treatment and the $2,500 cap when no emergency medical condition is found. My Florida no-fault law explainer covers how those work today.

The uninsured-driver problem doesn't wait for Tallahassee

Whatever happens to PIP, the driver who hits you may not have BI coverage today, because Florida doesn't require it up front. The Insurance Research Council estimates 20.6% of Florida motorists were uninsured in 2023, seventh highest among the states and D.C., against 15.4% nationally (via Triple-I).

Florida20.6%United States15.4%

Source: Insurance Research Council, via Triple-I (IRC study released Feb 17, 2025)

Show the numbers

Item	Uninsured
Florida	20.6%
United States	15.4%

Two caveats. IRC estimates the rate from the ratio of UM claims to BI claims, and its own footnote says that in Florida, "compulsory auto laws apply to personal injury protection (PIP) and physical damage, but not to third party bodily injury coverage," so the Florida number measures something a little different there. FLHSMV publishes its own rate, which only counts registered vehicles without minimum PIP/PDL. The two answer different questions. Nationally, the trend has gone the wrong way:

10.0%12.0%14.0%16.0%

15.4%

2017201920212023

Source: Insurance Research Council, via Triple-I

Show the numbers

	United States
2017	12.4%
2018	12.1%
2019	11.6%
2020	14.3%
2021	14.6%
2022	15.2%
2023	15.4%

That's 5.2 points between Florida and the national rate, and it's the practical reason a repeal debate shouldn't change what you carry right now.

What I'd do with your policy now

1. Keep PIP and PDL in force. They're required, and FLHSMV can suspend your license and registration if they lapse, with a $150 to $500 reinstatement fee. Don't drop PIP because a website said it was repealed.
2. Look at your BI limits. Florida doesn't make you carry BI to register, but the financial responsibility law can require 10/20/10 proof after certain crashes (s. 324.021(7), s. 324.051). If you own a home or have savings, 10/20 is thin. My notes on Florida car insurance requirements walk through the minimums.
3. Look at UM. With one in five Florida drivers estimated uninsured, UM is what pays for your injuries when the other driver can't. See how UM works in Florida, including stacked vs. non-stacked.
4. Know whether you have med-pay. It's optional today. It's also the coverage repeal debates keep coming back to, so it's worth knowing what yours says.
5. Check any "PIP is gone" claim yourself. Search the bill on flsenate.gov and read the last line of its history. "Died in committee" means nothing changed.

If you want a second set of eyes on your declarations page, my Florida auto insurance page explains what we review, and an umbrella policy is worth a look if your BI limits are high and your assets are higher.

What to watch in 2027

Under the Florida Constitution (Art. III, s. 3(b)), the regular session in odd-numbered years convenes on the first Tuesday after the first Monday in March, which puts the 2027 session on March 2, 2027. It can run 60 consecutive days.

Repeal sponsors have refiled every year since 2021, but as of today there's no 2027 bill, and I won't guess whether one passes. What I'll watch: whether a bill gets filed, whether it gets a first committee hearing (2023, 2024 and 2026 bills never did), and whether it brings back a med-pay requirement like 2021's. I'll update this page when any of that happens.

FAQ

Did Florida repeal PIP in 2026?

No. The 2026 repeal bills, SB 522 and HB 769, died in committee on March 13, 2026 without a hearing. Florida still requires $10,000 of PIP and $10,000 of property damage liability to register a vehicle with four or more wheels.

Is PIP going away in Florida in 2027?

Not under current law. SB 522 would have ended PIP on new and renewed policies from January 1, 2027, but it died. As of October 21, 2026, no repeal bill had been filed for the 2027 session.

Has a Florida PIP repeal ever passed?

Once. CS/CS/SB 54 passed both chambers in 2021, and Gov. DeSantis vetoed it on June 29, 2021. Repeal bills filed from 2022 through 2026 all died in committee.

What would replace PIP if Florida repealed it?

The 2026 bills would have required bodily injury liability of $25,000 per person and $50,000 per crash plus $10,000 of property damage liability. Unlike 2021, the 2026 bills did not require insurers to offer med-pay at set limits.

Your own policy wording and Florida law control what your coverage pays. Confirm your situation with a licensed agent, the Florida Office of Insurance Regulation or Department of Financial Services, or, for legal questions, an attorney.

Sources

1. Florida Statutes s. 627.736, required personal injury protection benefits (2026)
2. Florida Statutes s. 627.737, tort exemption and threshold (2026)
3. Florida Statutes s. 627.727, uninsured motorist coverage (2026)
4. Florida Statutes s. 627.7407, 2007 sunset and revival of no-fault (2026)
5. Florida Statutes s. 324.022, property damage liability (2026)
6. Florida Statutes s. 324.021, definitions incl. proof of financial responsibility (2026)
7. Florida Statutes s. 324.051, reports of crashes; suspensions (2026)
8. Florida Constitution, Art. III, s. 3 (sessions of the Legislature)
9. FLHSMV: insurance requirements
10. FLHSMV: uninsured motorist rate
11. Florida Senate: SB 522 (2026)
12. Florida Senate: SB 522 (2026), filed bill text
13. Florida Senate: HB 769 (2026)
14. Florida Senate: HB 769 (2026), filed bill text
15. Florida Senate: 2027 session bill list
16. Florida Senate: 2026 Special Session D bill list
17. Florida Senate: 2026 Special Session E bill list
18. Florida Senate: 2026 Special Session F bill list
19. Florida Senate: CS/CS/SB 54 (2021)
20. Florida Senate: HB 719 (2021)
21. Florida Senate: CS/CS/SB 54 (2021), enrolled bill text
22. Florida Senate Banking and Insurance staff summary of CS/CS/SB 54 (2021)
23. Gov. DeSantis veto letter, CS/CS/SB 54 (June 29, 2021)
24. Florida Senate: SB 150 (2022)
25. Florida Senate: HB 1525 (2022)
26. Florida Senate: SB 586 (2023)
27. Florida Senate: HB 429 (2023)
28. Florida Senate: SB 464 (2024)
29. Florida Senate: HB 653 (2024)
30. Florida Senate: HB 1181 (2025)
31. Florida Senate: SB 1256 (2025)
32. Florida House Insurance & Banking Subcommittee staff analysis of HB 1181 (2025)
33. Triple-I: Facts and statistics, uninsured motorists (Insurance Research Council data)
34. Insurance Research Council: news releases
35. Claims Journal: claims that Florida's no-fault law was repealed (May 6, 2026)