No. Florida has not repealed PIP. The no-fault system is still the law as of August 2026, and every Florida auto policy still has to carry $10,000 of Personal Injury Protection.
We’re writing this down plainly because a surprising number of Florida websites currently say otherwise, and some of them appear to be AI-generated. If you read somewhere that Florida got rid of no-fault, that page is wrong.
Where the confusion comes from
Repeal is a real, recurring effort. Bills to end PIP and replace it with mandatory bodily injury liability coverage get filed nearly every session in Tallahassee, and they get a lot of coverage when they do.
They keep dying. HB 1181 died in the Judiciary Committee on June 16, 2025. The 2026 attempts died in committee as well. A bill being filed, debated, and even passing one chamber is not the same as becoming law — but headlines don’t always make that distinction, and once a “Florida repeals PIP” article exists it gets copied, summarized, and eventually fed to something that repeats it as fact.
There’s also a legitimate near-miss in the history: a repeal bill did pass the Legislature in 2021 and was vetoed. That one came genuinely close, and a lot of the confusion traces back to it.
What Florida actually requires right now
- $10,000 Personal Injury Protection (PIP) — pays your own medical bills regardless of who caused the crash
- $10,000 Property Damage Liability (PDL) — pays for damage you cause to someone else’s property
And that’s the entire legal requirement. Florida does not require bodily injury liability coverage. If you cause a crash that seriously injures someone, the state does not require you to carry any coverage for their injuries. That obligation doesn’t vanish — it becomes yours personally.
The 14-day rule people miss
PIP has a condition that catches people at the worst possible moment: you generally must seek initial medical care within 14 days of the crash for PIP to pay at all. Wait longer and the benefit can be lost entirely, even though you paid for it.
PIP also covers 80% of reasonable medical expenses up to the limit, and there’s a distinction between an “emergency medical condition” and a non-emergency one that can cap benefits at $2,500 rather than $10,000. Worth knowing before you need it rather than after.
Why this matters more than it sounds
Here’s the practical consequence of Florida’s setup, and it’s the reason we bring it up with nearly every auto client.
Because Florida requires no bodily injury liability, a lot of drivers carry none. Combine that with a state where roughly one in five drivers has no insurance at all, and the person who hits you may have nothing available to pay your injuries.
Uninsured motorist coverage is what fills that hole. But Florida law only requires insurers to offer uninsured motorist coverage on policies that carry bodily injury liability. A bare legal-minimum policy has no BI, so no UM offer is owed and none is made. The driver carrying exactly what the state requires ends up with $10,000 of PIP and nothing else.
That’s not a sales pitch. It’s how the statutes interact, and most Florida drivers have never had it explained to them.
If a rule does change, we’ll update this page
PIP repeal will come back. When something actually passes and is signed, this page will say so, with the bill number and the date. Until then, treat any page claiming Florida repealed no-fault as out of date or simply wrong — and check the date on it.
Questions about what your own policy actually covers? Call 941-312-5771. We’re at 62 Sarasota Center Blvd, Sarasota, Monday through Friday, 8:30 am to 4:30 pm.
Sources: Florida Motor Vehicle No-Fault Law, Fla. Stat. ch. 627 pt. XI · Florida Senate bill history for HB 1181 (2025) · Florida DHSMV insurance requirements · Fla. Stat. 627.727 (uninsured motorist).
Related reading
- Why is car insurance so expensive in Florida?
- Tricks of the trade: missing coverages on auto insurance quotes
- Auto insurance in Sarasota and Lakewood Ranch
- All Florida insurance news and guides
Last reviewed August 26, 2026