Did Florida Repeal PIP? No, $10,000 PIP and the 14-Day Rule Still Apply in 2026

This article was checked against the 2026 Florida Statutes, official Florida bill histories and Florida Highway Safety and Motor Vehicles guidance. The bill histories are the source for the legislative status.

No. Florida did not repeal personal injury protection (PIP) in 2026. House Bill 1181 from the 2025 session, and Senate Bill 522 and House Bill 769 from the 2026 session, did not become law. As of October 10, 2026, drivers registering a covered vehicle with four or more wheels must still carry at least $10,000 in PIP and $10,000 in property damage liability coverage.

Did Florida Repeal PIP in 2026?

No. Florida’s Motor Vehicle No-Fault Law and its PIP requirements remain in force. The Florida Senate’s official bill histories show that SB 522 and its related House bill, HB 769, both died in committee on March 13, 2026. The 2025 proposal, HB 1181, also failed to become law.

PIP is first-party, no-fault coverage for covered benefits, subject to the statute’s eligibility rules, exclusions and limits. The repeal proposals’ proposed effective dates did not take effect because the bills did not become law.

Why Do Some Websites Say PIP Ended on July 1, 2026?

The date came from House Bill 1181, filed in the 2025 session. The filed bill included July 1, 2026 as its proposed effective date, but the official bill history records that it died in the House Judiciary Committee on June 16, 2025. A date in a bill that does not become law does not change the statute.

Insurance Journal reported on May 5, 2026 that some law-firm and insurance-agency websites had incorrectly suggested that Florida’s PIP law had been repealed. The report checked the House and Senate bill histories and quoted former Florida deputy insurance commissioner Lisa Miller saying, “Nothing happened with PIP this year.”

Repeal has been proposed before. Insurance Journal reported that a repeal measure passed the Legislature in 2021 but was vetoed by Governor Ron DeSantis. Proposals filed in 2025 and 2026 did not pass. Always check the official bill history rather than treating an effective date printed in a proposal as proof that a law took effect.

What Does Florida PIP Still Pay?

Under section 627.736 of the 2026 Florida Statutes, PIP provides up to $10,000 in combined medical and disability benefits plus a separate $5,000 death benefit that is additional to those medical and disability benefits.

Medical benefits generally reimburse 80% of reasonable expenses for medically necessary covered care, subject to statutory requirements and applicable limits. Medical reimbursement can reach $10,000 if a qualifying provider determines that the injured person had an emergency medical condition (EMC). If a qualifying provider determines there was no EMC, medical reimbursement is limited to $2,500. The $10,000 medical-and-disability limit is not an automatic payment and does not mean every medical bill will be paid in full.

The statute requires initial qualifying services and care within 14 days after the crash. Qualifying initial care can involve specified physicians, dentists, chiropractic physicians, advanced practice registered nurses, a hospital or a qualifying emergency transportation and treatment provider. The law’s provider and setting requirements are specific; check the current statute or consult a qualified professional about an individual situation.

Worked Examples: How the Limits Affect PIP Medical Benefits

These examples show why both the 14-day initial-care requirement and the emergency medical condition determination matter. Do not delay medically appropriate care; the provider makes the clinical determination, and the statute defines which initial care qualifies for PIP.

Do I Still Need PIP to Register a Car in Florida?

Yes. FLHSMV states that the standard requirement for registering a vehicle with four or more wheels is at least $10,000 in PIP and $10,000 in property damage liability (PDL).

A lapse in required coverage can lead to suspension of driving privileges and registration, along with reinstatement fees. FLHSMV lists fees of $150 for a first reinstatement, $250 for a second and $500 for a third.

Bodily injury liability is not part of the standard PIP-and-PDL registration requirement described above. Separate financial-responsibility requirements may apply after certain crashes. FLHSMV explains that a driver deemed at fault and cited for a moving violation in a crash involving injuries may have to demonstrate bodily injury liability coverage of $10,000 per person and $20,000 per crash, or face suspension, depending on the applicable circumstances.

This guidance concerns Florida. Drivers who mistakenly believe PIP was repealed could leave required coverage in place incorrectly or make a policy change based on false information.

What Should Florida Drivers Do Now?

Keep the required PIP and PDL coverage in place unless and until the law changes. Do not cancel or reduce PIP because of a website claiming that repeal took effect; confirm legislative changes through official Florida sources or with your insurer or agent.

Could Florida Repeal PIP Later?

A future repeal would require legislation to become law. SB 522 and HB 769 proposed changes that could have taken effect on January 1, 2027, but both died in committee and their proposed date is not operative.

As of October 10, 2026, we could not confirm a filed PIP repeal bill for the 2027 session. New proposals may be introduced later, so check the official Legislature pages for updates instead of assuming the current requirements have changed.

How We Verified This

We checked the official Florida Senate histories for HB 1181 (2025), SB 1256 (2025), SB 522 (2026) and HB 769 (2026); the 2026 edition of Florida Statute 627.736; FLHSMV’s insurance requirements and crash-related guidance; and Insurance Journal’s May 5, 2026 report explaining how claims about repeal spread online.

This article covers Florida’s PIP requirements for standard registration of covered four-wheel vehicles. It does not replace the full statute or address every PIP exclusion, provider qualification, billing rule, fee schedule or claim dispute. The examples are simplified illustrations, not a prediction of any real benefit amount.

Frequently Asked Questions About Florida PIP Repeal

The Bottom Line: Florida Still Requires PIP

Florida did not repeal PIP in 2026. The $10,000 PIP and $10,000 property damage liability requirements remain in force for covered four-wheel vehicle registrations. The statute’s 14-day initial-care requirement also remains, along with the emergency medical condition rules and other benefit limits.

Before changing your policy, check the current statute and official bill history. After a crash, seek medically appropriate initial care promptly and confirm coverage details with your insurer or a qualified Florida professional.