INSURANCE RATES AND CONTRACTS
F.S. Ch. 627
in effectContents
section627.011. Short title.section627.021. Scope of this part.section627.031. Purposes of this part; interpretation.section627.041. Definitions.section627.062. Rate standards.section627.066. Excessive profits for motor vehicle insurance prohibited.section627.072. Making and use of rates.section627.091. Rate filings; workers’ compensation and employer’s liability insurances.section627.092. Workers’ Compensation Administrator.section627.093. Application of s. 286.011 to workers’ compensation and employer’s liability insurances.section627.096. Workers’ Compensation Rating Bureau.section627.101. When filing becomes effective; workers’ compensation and employer’s liability insurances.section627.111. Effective date of filing.section627.141. Subsequent disapproval of filing; workers’ compensation and employer’s liability insurances.section627.151. Basis of approval or disapproval of workers’ compensation or employer’s liability insurance filing; scope of disapproval power.section627.162. Requirements for premium installments; delinquency, collection, and check return charges; attorney’s fees.section627.171. Excess rates.section627.191. Adherence to filings; workers’ compensation and employer’s liability insurances.section627.192. Workers’ compensation insurance; employee leasing arrangements.section627.211. Deviations; workers’ compensation and employer’s liability insurances.section627.212. Workplace safety program surcharge.section627.215. Excessive profits for commercial property and commercial casualty insurance prohibited.section627.221. Rating organizations; licensing; fee.section627.231. Subscribers to rating organizations.section627.241. Notice of changes.section627.251. Bureau rules not to affect dividends.section627.261. Actuarial and technical services.section627.281. Appeal from rating organization; workers’ compensation and employer’s liability insurance filings.section627.285. Independent actuarial peer review of workers’ compensation rating organization.section627.291. Information to be furnished insureds; appeal by insureds; workers’ compensation and employer’s liability insurances.section627.301. Advisory organizations.section627.311. Joint underwriters and joint reinsurers; public records and public meetings exemptions.section627.312. Transitional provisions.section627.313. Workers’ Compensation Joint Underwriting Plan; audit requirements.section627.314. Concerted action by two or more insurers.section627.318. Records.section627.331. Recording and reporting of loss, expense, and claims experience; rating information.section627.351. Insurance risk apportionment plans.section627.352. Security of data and information technology in Citizens Property Insurance Corporation.section627.357. Medical malpractice self-insurance.section627.361. False or misleading information.section627.371. Hearings.section627.381. Penalty for violation.section627.401. Scope of this part.section627.402. Definitions.section627.403. “Premium” defined.section627.404. Insurable interest; personal insurance.section627.405. Insurable interest; property.section627.406. Power to contract; purchase of insurance by or for minor.section627.407. Alteration of application.section627.408. Application as evidence.section627.409. Representations in applications; warranties.section627.410. Filing, approval of forms.section627.411. Grounds for disapproval.section627.412. Standard provisions, in general.section627.413. Contents of policies, in general; identification.section627.414. Additional policy contents.section627.415. Charter, bylaw provisions.section627.416. Execution of policies.section627.417. Underwriters’ and combination policies.section627.418. Validity of noncomplying contracts.section627.419. Construction of policies.section627.420. Binders.section627.421. Delivery of policy.section627.422. Assignment of policies or post-loss benefits.section627.423. Payment discharges insurer.section627.424. Minor may give acquittance.section627.425. Forms for proof of loss to be furnished.section627.426. Claims administration.section627.427. Payment of judgment by insurer; penalty for failure.section627.429. Medical tests for HIV infection and AIDS for insurance purposes.section627.441. Commercial general liability policies; coverage to contractors for completed operations.section627.442. Insurance contracts.section627.443. Essential health benefits.section627.444. Loss run statements for all lines of insurance.section627.445. Paid family leave insurance.section627.446. Advanced explanation of benefits.section627.451. Scope of this part.section627.452. Standard provisions required.section627.453. Grace period.section627.454. Entire contract; statements in application.section627.455. Incontestability.section627.456. Misstatement of age or sex.section627.457. Dividends.section627.458. Policy loan.section627.459. Reinstatement.section627.460. Authority to alter contract.section627.461. Settlement on proof of death.section627.462. Table of installments.section627.463. Excluded or restricted coverage.section627.464. Annuity contracts, pure endowment contracts; standard provisions.section627.465. Annuity contracts, pure endowment contracts; grace period.section627.466. Annuity contracts, pure endowment contracts; incontestability.section627.467. Annuity contracts, pure endowment contracts; entire contract.section627.468. Annuity contracts, pure endowment contracts; misstatement of age or sex.section627.469. Annuity contracts, pure endowment contracts; dividends.section627.470. Annuity contracts, pure endowment contracts; reinstatement.section627.471. Reversionary annuities; standard provisions.section627.472. Incontestability after reinstatement.section627.473. Policy settlements.section627.474. Policy must contain entire contract.section627.475. Nonforfeiture benefits; certain interim policies.section627.476. Standard Nonforfeiture Law for Life Insurance.section627.479. Prohibited policy plans.section627.480. Cash payments of single-premium life policies.section627.481. Requirements for certain annuity agreements.section627.482. Interest payable on cash surrender of policy.section627.501. Scope of this part.section627.502. “Industrial life insurance” defined; reporting; prohibition on new policies after a certain date.section627.503. Required provisions.section627.504. Grace period.section627.505. Entire contract; statements in application.section627.506. Incontestability.section627.507. Misstatement of age or sex.section627.508. Dividends.section627.509. Reinstatement.section627.510. Settlement on proof of death.section627.511. Authority to alter contract.section627.512. Beneficiary.section627.513. Facility of payment.section627.514. Nonforfeiture benefits; certain interim policies.section627.515. Title of industrial life insurance policy.section627.516. Advance payment of premiums.section627.517. Conversion.section627.521. Disclosure statements.section627.522. Policy requirements and prohibitions.section627.551. Group contracts and plans of self-insurance must meet group requirements.section627.552. Employee groups.section627.553. Debtor groups.section627.554. Labor union groups.section627.555. Trustee groups.section627.556. Credit union groups.section627.558. Provisions required in group contracts.section627.559. Grace period.section627.560. Incontestability.section627.561. Application; statements deemed representations.section627.562. Insurability.section627.563. Misstatement of age.section627.564. Payment of benefits.section627.565. Certificate.section627.566. Conversion on termination of eligibility.section627.567. Conversion on termination of policy.section627.568. Death pending conversion.section627.569. Use of dividends, refunds, rate reductions, commissions, service fees.section627.570. Premium rates.section627.571. Assignment of incidents of ownership in group life insurance policies, including conversion privileges.section627.573. Replacement or termination of group life insurance; liability of prior insurer.section627.574. Liability of succeeding insurer on replacement of group policy.section627.575. Extension of benefits.section627.601. Scope of this part.section627.602. Scope, format of policy.section627.603. Death benefits.section627.604. Nonresident insured.section627.605. Required provisions; captions, omissions, substitutions.section627.606. Entire contract; changes.section627.607. Time limit on certain defenses.section627.608. Grace period.section627.609. Reinstatement.section627.610. Notice of claim.section627.611. Claim forms.section627.0612. Administrative proceedings in rating determinations.section627.612. Proof of loss.section627.613. Time of payment of claims.section627.0613. Consumer advocate.section627.614. Payment of claims.section627.615. Physical examination, autopsy.section627.616. Legal actions.section627.617. Change of beneficiary.section627.618. Optional policy provisions.section627.619. Change of occupation.section627.620. Misstatement of age or sex.section627.621. Other insurance with this insurer.section627.0621. Transparency in rate regulation.section627.622. Insurance with other insurers.section627.623. Insurance with other insurers; other benefits.section627.624. Relation of earnings to insurance.section627.625. Unpaid premiums.section627.0625. Commercial property and casualty risk management plans.section627.627. Conformity with statutes.section627.628. Illegal occupation.section627.0628. Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption.section627.629. Intoxicants and narcotics.section627.0629. Residential property insurance; rate filings.section627.630. Order of certain provisions.section627.631. Third-party ownership.section627.632. Requirements of other jurisdictions.section627.633. Other policy provisions.section627.634. Age limit.section627.635. Excess insurance.section627.636. Industrial health insurance.section627.637. Construction of noncomplying contracts.section627.638. Direct payment for hospital, medical services.section627.639. Application signed by agent.section627.640. Filing of classifications and rates.section627.641. Coverage for newborn children.section627.642. Outline of coverage.section627.643. Uniform minimum standards.section627.644. Discrimination against handicapped prohibited.section627.0645. Annual filings.section627.645. Denial of health insurance claims restricted.section627.646. Conversion on termination of eligibility.section627.647. Standard health claim form.section627.651. Group contracts and plans of self-insurance must meet group requirements.section627.0651. Making and use of rates for motor vehicle insurance.section627.0652. Insurance discounts for certain persons completing safety course.section627.652. Group health insurance; definitions.section627.653. Employee groups.section627.0653. Insurance discounts for specified motor vehicle equipment.section627.0654. Insurance discounts for buildings with fire sprinklers.section627.654. Labor union, association, and small employer health alliance groups.section627.0655. Policyholder loss or expense-related premium discounts.section627.655. Debtor groups.section627.656. Additional groups.section627.657. Provisions of group health insurance policies.section627.658. Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.section627.659. Blanket health insurance; eligible groups.section627.660. Conditions and provisions of blanket health insurance policies.section627.661. School accident insurance claims; policy service.section627.662. Other provisions applicable.section627.663. Franchise health insurance.section627.664. Assignment of incidents of ownership in group, blanket, or franchise health policies.section627.0665. Automatic bank withdrawal agreements; notification required.section627.666. Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy.section627.667. Extension of benefits.section627.668. Optional coverage for mental and nervous disorders required; exception.section627.669. Optional coverage required for substance abuse impaired persons; exception.section627.671. Medicare supplement reform; short title.section627.672. Definitions.section627.673. Designation as Medicare supplement policy; penalties for violations.section627.674. Minimum standards; filing requirements.section627.675. Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable.section627.676. Scope of this part.section627.677. Definitions.section627.678. Rules.section627.679. Amount of insurance; disclosure.section627.681. Term and evidence of insurance.section627.682. Filing, approval of forms.section627.683. Licensed agent required.section627.684. Premium not deemed loan or finance charge.section627.701. Liability of insureds; coinsurance; deductibles.section627.702. Valued policy law.section627.705. Return of unearned premium on overinsured personal property.section627.706. Sinkhole insurance; catastrophic ground cover collapse; definitions.section627.707. Investigation of sinkhole claims; insurer payment; nonrenewals.section627.711. Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.section627.712. Residential windstorm coverage required; availability of exclusions for windstorm or contents.section627.713. Report of hurricane loss data.section627.714. Residential condominium unit owner coverage; loss assessment coverage required.section627.715. Flood insurance.section627.727. Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.section627.728. Cancellations; nonrenewals.section627.730. Florida Motor Vehicle No-Fault Law.section627.731. Purpose.section627.732. Definitions.section627.733. Required security.section627.734. Proof of security; security requirements; penalties.section627.736. Required personal injury protection benefits; exclusions; priority; claims.section627.737. Tort exemption; limitation on right to damages; punitive damages.section627.739. Personal injury protection; optional limitations; deductibles.section627.742. Nonpublic sector buses; additional liability insurance coverage.section627.743. Payment of third-party claims.section627.744. Preinsurance inspection of private passenger motor vehicles.section627.745. Mediation of claims.section627.746. Coverage for minors who have a learner’s driver license; additional premium prohibited.section627.747. Named driver exclusion.section627.748. Transportation network companies.section627.749. Autonomous vehicles; insurance requirements.section627.751. Surety on required bonds; release.section627.752. Bonds in judicial proceedings.section627.754. Sureties upon official bonds.section627.756. Bonds for construction contracts; attorney fees in case of suit.section627.758. Surety on auto club traffic arrest bond; conditions, limit; bail bond.section627.759. Estoppel to deny power.section627.776. Applicability or inapplicability of Florida Insurance Code provisions to title insurers.section627.777. Approval of forms.section627.778. Limit of risk.section627.780. Illegal dealings in premium.section627.782. Adoption of rates.section627.783. Rate deviation.section627.784. Casualty title insurance prohibited.section627.785. Preemption by state.section627.786. Transaction of title insurance and any other kind of insurance prohibited.section627.791. Penalties against title insurers for violations by persons or entities not licensed.section627.792. Liability of title insurers for defalcation by title insurance agents or agencies.section627.796. Errors and omissions policy requirements.section627.797. Exempt agent list.section627.798. Rulemaking authority.section627.801. Application of this part.section627.802. Establishment and maintenance of separate accounts.section627.803. Statement of value of benefits.section627.804. Investment of assets.section627.805. Regulation of variable and indeterminate value contracts; rules.section627.806. Applicability of code to indeterminate value contracts and variable life insurance contracts and accounts.section627.807. Variable or indeterminate value contract reserve requirements.section627.826. “Premium finance company” defined.section627.827. “Premium finance agreement” defined.section627.828. License required.section627.829. Approval, disapproval of application; license renewal.section627.832. Grounds for refusal, suspension, or revocation of license.section627.833. Administrative fine and probation in lieu of suspension, revocation, or refusal to renew license.section627.834. Examinations.section627.835. Excessive premium finance charge; penalty.section627.836. Licensee’s books and records; reports.section627.838. Filing and approval of forms; service charges.section627.839. Form and content of premium finance agreements.section627.840. Limitation on service and other charges.section627.841. Delinquency, collection, cancellation, and check return charges; attorney’s fees.section627.842. Restrictions on premium finance agreements.section627.843. Delivery of copy of premium finance agreement.section627.844. Assignment of premium finance agreement.section627.845. Statement of account; receipts.section627.847. Extensions or deferrals.section627.848. Cancellation of insurance contract upon default.section627.849. Fees.section627.901. Premium financing by an insurance agent or agency.section627.902. Premium financing by an insurer or subsidiary.section627.903. Premium finance cost specified.section627.904. Insurer filing; approval of forms; service charge filing.section627.911. Scope of this part.section627.912. Professional liability claims and actions; reports by insurers and health care providers; annual report by office.section627.913. Reports by products liability insurers.section627.914. Reports of information by workers’ compensation insurers required.section627.0915. Rate filings; workers’ compensation, drug-free workplace, and safe employers.section627.915. Insurer experience reporting.section627.0916. Agricultural horse farms.section627.917. Uniform risk classification reporting system for motor vehicle insurance.section627.918. Reporting formats.section627.919. Maintenance of insurance data.section627.941. Purpose.section627.942. Definitions.section627.943. Risk retention groups certified in Florida.section627.944. Risk retention groups not certificated in this state.section627.945. Compulsory association.section627.946. Countersignatures not required.section627.947. Purchasing groups; exemption from certain insurer provisions.section627.948. Notice and registration requirements of purchasing groups.section627.949. Restrictions on insurance purchased by purchasing groups.section627.950. Administrative and procedural authority regarding risk retention and purchasing groups.section627.951. Penalties; cease and desist orders; injunctions.section627.952. Risk retention and purchasing group agents.section627.953. Binding effect of orders issued in United States District Court.section627.954. Rules.section627.955. Limitation on deductibles.section627.971. Definitions.section627.972. Organization; financial requirements.section627.973. Limitations.section627.974. Filing of policy forms and rates.section627.975. Reinsurance.section627.981. Scope of part.section627.982. Definitions.section627.983. General requirements.section627.984. Group-to-group consolidations.section627.985. Disclosure requirements.section627.986. Replacement rules.section627.987. Policy forms.section627.1615. Workers’ compensation applicant discrimination.section627.3121. Public records and public meetings exemptions.section627.3511. Depopulation of Citizens Property Insurance Corporation.section627.3512. Recoupment of residual market deficit assessments.section627.3513. Standards for sale of bonds by Citizens Property Insurance Corporation.section627.3515. Market assistance plan; property and casualty risks.section627.3517. Consumer choice.section627.3518. Citizens Property Insurance Corporation policyholder eligibility clearinghouse program.section627.4025. Residential coverage and hurricane coverage defined.section627.4035. Payment of premiums; claims.section627.4085. Insurer name, agent name, and license identification number required on application.section627.4091. Specific reasons for denial, cancellation, or nonrenewal.section627.4101. Credit insurance enrollment forms.section627.4102. Informational filing of forms.section627.4105. Life and health insurance; reduced premiums upon rigorous physical examination.section627.4107. Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited.section627.4108. Claims-handling manuals; submission; attestation.section627.4131. Telephone number required.section627.4132. Stacking of coverages prohibited.section627.4133. Notice of cancellation, nonrenewal, or renewal premium.section627.4135. Casualty insurance contracts subject to general provisions for insurance contracts.section627.4136. Nonjoinder of insurers.section627.4137. Disclosure of certain information required.section627.4138. Wrap-up insurance policies for nonpublic construction projects.section627.4143. Outline of coverage.section627.4145. Readable language in insurance policies.section627.4147. Medical malpractice insurance contracts.section627.4148. Medical malpractice insurers; required offer of coverage limits.section627.4195. Health insurance; claims for payment of psychotherapeutic services; confidentiality.section627.4205. Coverage identification number required.section627.4215. Disclosures to policyholders; coverage of behavioral health care services.section627.4232. Health insurance out-of-hospital benefits.section627.4233. Total disability defined.section627.4234. Health insurance cost containment provisions required.section627.4235. Coordination of benefits.section627.4236. Coverage for bone marrow transplant procedures.section627.4237. Sickness disability or disability due to sickness.section627.4238. Health insurer examinations.section627.4239. Coverage for use of drugs in treatment of cancer.section627.4265. Payment of settlement.section627.4295. Dental procedures; anesthesia and hospitalization coverage.section627.4301. Genetic information for insurance purposes.section627.4302. Identification cards for processing prescription drug claims.section627.4553. Recommendations to surrender.section627.4554. Suitability in annuity transactions.section627.4555. Secondary notice.section627.4556. Life insurance automatic policy loan provision.section627.4585. Maximum rate of interest on policy loans.section627.4605. Replacement notice.section627.4615. Interest payable on death claim payments.section627.5045. Secondary notice.section627.5515. Out-of-state groups.section627.5565. Additional groups.section627.5567. Group life insurance; association groups.section627.5575. Group life insurance for dependents.section627.5685. Continuance of coverage during disability.section627.5686. Waiver of premium for disabled insured.section627.5725. Notification to insureds of cancellation or expiration.section627.6011. Mandated coverages.section627.6041. Children with disabilities; continuation of coverage.section627.6043. Notification of cancellation, nonrenewal, or change in rates.section627.6044. Use of a specific methodology for payment of claims.section627.6045. Preexisting condition.section627.6046. Limit on preexisting conditions.section627.6056. Coverage for ambulatory surgical center service.section627.6131. Payment of claims.section627.6141. Denial of claims.section627.6265. Cancellation or nonrenewal prohibited.section627.06281. Public hurricane loss projection model; reporting of data by insurers.section627.06291. Excess profits of residential property insurer; return.section627.06292. Reports of hurricane loss data and associated exposure data; public records exemption.section627.6385. Disclosures to policyholders; calculations of cost sharing.section627.6387. Shared savings incentive program.section627.6401. Refunds for persons age 64.section627.6402. Insurance rebates for healthy lifestyles.section627.6403. Payment of acupuncture benefits to certified acupuncturists.section627.6405. Decreasing inappropriate utilization of emergency care.section627.6406. Maternity care.section627.6407. Massage.section627.6408. Diabetes treatment services.section627.6409. Coverage for osteoporosis screening, diagnosis, treatment, and management.section627.6415. Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.section627.6416. Coverage for child health supervision services.section627.6417. Coverage for surgical procedures and devices incident to mastectomy.section627.6418. Coverage for mammograms.section627.6419. Requirements with respect to breast cancer.section627.6425. Renewability of individual coverage.section627.6426. Short-term health insurance.section627.6471. Contracts for reduced rates of payment; limitations; coinsurance and deductibles.section627.6472. Exclusive provider organizations.section627.6473. Combined preferred provider and exclusive provider policies.section627.6474. Provider contracts.section627.6475. Individual reinsurance pool.section627.6487. Guaranteed availability of individual health insurance coverage to eligible individuals.section627.06501. Insurance discounts for certain persons completing driver improvement course.section627.6512. Exemption of certain group health insurance policies.section627.6513. Scope.section627.6515. Out-of-state groups.section627.6516. Trustee groups.section627.6525. Short-term health insurance.section627.06535. Electric vehicles; restrictions on imposing surcharges.section627.6551. Teacher and student groups.section627.6561. Preexisting conditions.section627.6562. Dependent coverage.section627.6563. Full-time employment defined.section627.6571. Guaranteed renewability of coverage.section627.6572. Pharmacy benefit manager contracts.section627.6574. Maternity care.section627.6575. Coverage for newborn children.section627.6577. Dental care.section627.6578. Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.section627.6579. Coverage for child health supervision services.section627.6612. Coverage for surgical procedures and devices incident to mastectomy.section627.6613. Coverage for mammograms.section627.6615. Children with disabilities; continuation of coverage under group policy.section627.6616. Coverage for ambulatory surgical center service.section627.6617. Coverage for home health care services.section627.6618. Payment of acupuncture benefits to certified acupuncturists.section627.6619. Massage.section627.6621. Advanced practice registered nurse services.section627.6645. Notification of cancellation, expiration, nonrenewal, or change in rates.section627.6646. Cancellation or nonrenewal prohibited.section627.6648. Shared savings incentive program.section627.6651. Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer.section627.6675. Conversion on termination of eligibility.section627.6686. Coverage for individuals with autism spectrum disorder required; exception.section627.6691. Coverage for osteoporosis screening, diagnosis, treatment, and management.section627.6692. Florida Health Insurance Coverage Continuation Act.section627.6698. Attorney’s fees.section627.6699. Employee Health Care Access Act.section627.6735. Order to discontinue certain advertising.section627.6736. Filing requirements for out-of-state group policies.section627.6737. Reporting of multiple policies.section627.6741. Issuance, cancellation, nonrenewal, and replacement.section627.6742. Permitted compensation arrangements.section627.6743. Standards for marketing.section627.6744. Recommended purchase and excessive insurance.section627.6745. Loss ratio standards; public rate hearings.section627.6746. Compliance with Omnibus Budget Reconciliation Acts.section627.6785. Filing of rates with department.section627.6841. Credit insurance consolidations; general requirements.section627.6842. Group-to-group consolidations.section627.6843. Consolidation disclosure requirements.section627.6844. Replacement rules.section627.6845. Policy forms used in connection with consolidations.section627.7011. Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.section627.7015. Alternative procedure for resolution of disputed property insurance claims.section627.7016. Insurer contracts with building contractors.section627.7017. Hurricane loss mitigation projects.section627.7018. Standards for determining risk of coverage.section627.7019. Standardization of requirements applicable to insurers after natural disasters.section627.7061. Coverage inquiries.section627.7063. Building code effectiveness grading schedule.section627.7072. Testing standards for sinkholes.section627.7073. Sinkhole reports.section627.7074. Alternative procedure for resolution of disputed sinkhole insurance claims.section627.7142. Homeowner Claims Bill of Rights.section627.7151. Limited sinkhole coverage insurance.section627.7152. Assignment agreements.section627.7153. Policies restricting assignment of post-loss benefits under a property insurance policy.section627.7154. Property Insurer Stability Unit; duties and required reports.section627.7155. Wind and flood coverage in residential and commercial property insurance policies.section627.7261. Refusal to issue policy.section627.7263. Rental and leasing driver’s insurance to be primary; exception.section627.7275. Motor vehicle liability.section627.7276. Notice of limited coverage.section627.7277. Notice of renewal premium.section627.7281. Cancellation notice.section627.7282. Notice of additional premium; cancellation upon nonpayment.section627.7283. Cancellation; return of unearned premium.section627.7285. Experience while operating a train.section627.7286. Renewal of policy and setting of rates; certain experience not a factor.section627.7288. Comprehensive coverage; deductible not to apply to motor vehicle glass.section627.7289. Assignment of post-loss motor vehicle glass benefits prohibited.section627.7291. Motor vehicle windshield claims and practices; steering prohibited; exceptions.section627.7295. Motor vehicle insurance contracts.section627.7311. Effect of law on personal injury protection policies.section627.7401. Notification of insured’s rights.section627.7403. Mandatory joinder of derivative claim.section627.7405. Insurers’ right of reimbursement.section627.7407. Application of the Florida Motor Vehicle No-Fault Law.section627.7415. Commercial motor vehicles; additional liability insurance coverage.section627.7483. Peer-to-peer car sharing; insurance requirements.section627.7491. Official law enforcement vehicles; motor vehicle insurance requirements.section627.7711. Definitions.section627.7773. Accounting and auditing of forms by title insurers.section627.7776. Furnishing of supplies; civil liability.section627.7831. Commitments; charges; collection.section627.7841. Insurance against adverse matters or defects in the title.section627.7842. Policy exceptions.section627.7843. Property information reports.section627.7845. Determination of insurability required; preservation of evidence of title search and examination.section627.7865. Title insurer assessments.section627.8015. “Indeterminate value contracts” and “variable contracts” defined.section627.8055. Qualification of companies to issue variable or indeterminate value contracts.section627.8281. Levy upon deposit.section627.8405. Prohibited acts; financing companies.section627.9122. Officers’ and directors’ liability claims; reports by insurers.section627.9126. Reports by liability insurers.section627.9175. Reports of information on health and accident insurance.section627.9401. Short title.section627.9402. Purpose.section627.9403. Scope.section627.9404. Definitions.section627.9405. Authorized groups; filing requirements.section627.9406. Out-of-state group long-term care insurance.section627.9407. Disclosure, advertising, and performance standards for long-term care insurance.section627.9408. Rules.section627.9901. Purpose.section627.9902. Scope.section627.9903. Definitions.section627.9904. Term of insurance policy.section627.9905. Calculation of coverage and payment of premiums.section627.9906. Prohibited practices.section627.9907. Noncircumvention.section627.9908. Evidence of coverage.section627.9909. Filing, approval, and withdrawal of forms and rates.section627.9911. Enforcement; proceedings; penalties.section627.9912. Rulemaking.section627.9913. Severability.section627.35191. Required reports.section627.35193. Consumer reporting agency request for claims data from Citizens Property Insurance Corporation.section627.40951. Standard personal lines residential insurance policy.section627.40952. Savings reflections in residential property and motor vehicle insurer rate filings related to specified chapter laws.section627.41495. Public notice of medical malpractice rate filings.section627.42391. Insurance policies; cancer treatment parity; orally administered cancer treatment medications.section627.42392. Prior authorization.section627.42393. Step-therapy protocol.section627.42395. Coverage for certain prescription and nonprescription enteral formulas.section627.42396. Reimbursement for telehealth services.section627.42397. Coverage for air ambulance services.section627.43141. Notice of change in policy terms.section627.64025. Advanced practice registered nurse services.section627.64171. Coverage for length of stay and outpatient postsurgical care.section627.64172. Requirements with respect to breast cancer and routine followup care.section627.64193. Required coverage for cleft lip and cleft palate.section627.64194. Coverage requirements for services provided by nonparticipating providers; payment collection limitations.section627.64195. Requirements for opioid coverage.section627.64196. Medication synchronization.section627.64197. Coverage for organ transplants.section627.64725. Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan.section627.64731. Leasing, renting, or granting access to a participating provider.section627.64741. Pharmacy benefit manager contracts.section627.64995. Restrictions on use of state and federal funds for state exchanges.section627.65612. Limit on preexisting conditions.section627.65615. Special enrollment periods.section627.65625. Prohibiting discrimination against individual participants and beneficiaries based on health status.section627.65626. Insurance rebates for healthy lifestyles.section627.65735. Nondiscrimination of coverage for surgical procedures.section627.65736. Coverage for organ transplants.section627.65745. Diabetes treatment services.section627.65755. Dental procedures; anesthesia and hospitalization coverage.section627.66121. Coverage for length of stay and outpatient postsurgical care.section627.66122. Requirements with respect to breast cancer and routine followup care.section627.66911. Required coverage for cleft lip and cleft palate.section627.66996. Restrictions on use of state and federal funds for state exchanges.section627.66997. Stop-loss insurance.section627.70121. Payment of claims for dual interest property.section627.70131. Insurer’s duty to acknowledge communications regarding claims; investigation.section627.70132. Notice of property insurance claim.section627.70151. Appraisal; conflicts of interest.section627.70152. Suits arising under a property insurance policy.section627.70153. Consolidation of residential property insurance actions.section627.70154. Mandatory binding arbitration.section627.70161. Family day care insurance.section627.71545. Pet insurance; noninsurance wellness programs.section627.72951. Temporary binding permitted.section627.94071. Minimum standards for home health care benefits.section627.94072. Mandatory offers.section627.94073. Notice of cancellation; grace period.section627.94074. Standards for benefit triggers.section627.94075. A qualified state Long-Term Care Insurance Partnership Program in Florida.section627.94076. Time limit on certain defenses.
Source: FL Statutes (Official Site)URL: https://www.flsenate.gov/Laws/Statutes/2025/Chapter627/AllFetched: 7/8/2026