What changed in Florida
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inFlorida, when, and where to verify it.
October 1, 2026
Crash reportingCrash reporting threshold rises from $500 to $2,000
SB 488 (ch. 2026-39), approved April 21, 2026, amended s. 316.065(1) to raise the apparent property damage that obliges a driver to notify law enforcement of a crash from $500 to $2,000. Guides still quoting $500 describe the rule that applies only to crashes before October 1, 2026.
Laws of Florida ch. 2026-39 (SB 488)March 13, 2026
Minimum coveragePIP is still mandatory — the 2026 repeal bill died in committee
SB 522 (2026), which would have repealed the Florida Motor Vehicle No-Fault Law and replaced PIP with a bodily injury liability requirement, died in Banking and Insurance on March 13, 2026; the House companion HB 769 died the same day. This is the third failed attempt: SB 54 (2021) passed both chambers and was vetoed on June 29, 2021, and HB 1181 (2025) died in committee. Personal injury protection remains compulsory under s. 627.733.
Florida Senate — SB 522 (2026)March 24, 2023
Fault systemComparative fault changed from pure to modified with a 51% bar
HB 837 (ch. 2023-15) added s. 768.81(6): a party found more than 50 percent at fault for their own harm may not recover any damages. Before March 24, 2023 Florida was a pure comparative fault state where a claimant 90% at fault could still recover 10% of their damages. Medical negligence claims under chapter 766 are excluded from the new bar.
Florida Senate — CS/CS/HB 837 (2023)June 14, 2000
Moving hereMotor vehicle emissions inspection program repealed
SB 772 (ch. 2000-266) repealed the provisions requiring inspection of motor vehicle exhaust emissions. Florida has had no state emissions testing program since June 14, 2000.
Florida Senate — SB 772 (2000)