Each year, FAIA devellops succint summaries of insurance-related issues ("300 Worders") to help lawmakers, the media, and the public better understand often-complicated insurance topics.

Post Legislative Session, FAIA produces line-by-line summaries analyzing legislation and how it will affect the insurance industry. 

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Florida Statutes do not require life insurance companies to use the Social Security Administration’s Death Master File (DMF) to find and begin payments to a deceased life-insurance policyholder’s beneficiaries, leaving too many Floridians—most of whom were not even aware a policy existed—without the financial protection their deceased their loved ones intended.

Staged accidents and other fraudulent activities, coupled with high attorney involvement in a supposedly no-fault system, continue to drive up the cost of personal injury protection (PIP) insurance to a level at which those Floridians who most need it can hardly afford it

CS/CS/CS/HB 1007

Effective date: June 27, 2017, except as otherwise provided
Chapter No. 2017-178, LOF

CS/HB 1009

p. 1, §626.9891(9)

Effective date: June 27, 2017
Chapter No. 2017-179, LOF

Until rules of the road are in place for ride-sharing services, the personal and financial safety of consumers, passengers, and drivers is at risk.

Regulation has not kept pace with the rapid growth of ride-sharing services such as Uber and Lyft. As such, there’s no statute that specifically addresses insurance coverage requirements for ride-sharing companies and/or drivers.

CS/CS/HB 465
Effective date: March 30, 2018
Chapter No. 2018-131, LOF

CS/CS/CS/HB 1073
Effective date: July 1, 2018
Chapter No. 2018-102, LOF

This infographic, developed by the Florida Property Casualty Association for the Consumer Protection Coalition, demonstrates how AOB litigation increases insurance premiums.

This two-page guide, developed for consumers by the Consumer Protection Coalition, explains how consumers can avoid falling victim to assignment of benefits fraud and abuse.

CS/CS/HB 465
Effective date: March 30, 2018
Chapter No. 2018-131, LOF

 Fear of being hit with awards far in excess of policy limits forces many insurers to settle and pay claims even when the insurer doubts the validity of the claim, increasing insurance premiums for everyone. 

CS/CS/CS/HB 1073
Effective date: July 1, 2018
Chapter No. 2018-102, LOF

CS/HB 359

Effective date: June 26, 2017
Chapter No. 2017-132, LOF

CS/CS/HB 465
Effective date: March 30, 2018
Chapter No. 2018-131, LOF

This four-page guide, developed for consumers by the Consumer Protection Coalition, explains how consumers can avoid falling victim to assignment of benefits fraud and abuse. 

CS/CS/CS/HB 1073
Effective date: July 1, 2018
Chapter No. 2018-102, LOF

This December 2018 report from the Insurance Information Institute discusses how AOB abuse works, how and why it is spreading, and how it is contributing to higher insurance costs for Florida consumers.

CS/CS/HB 465
Effective date: March 30, 2018
Chapter No. 2018-131, LOF

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