Florida Statutes

Chapter 627 INSURANCE RATES AND CONTRACTS

PART I RATES AND RATING ORGANIZATIONS(ss. 627.011-627.381)
- 627.011 Short title.
- 627.021 Scope of this part.
- 627.031 Purposes of this part; interpretation.
- 627.041 Definitions.
- 627.0612 Administrative proceedings in rating determinations.
- 627.0613 Consumer advocate.
- 627.062 Rate standards.
- 627.0621 Transparency in rate regulation.
- 627.0625 Commercial property and casualty risk management plans.
- 627.0628 Florida Commission on Hurricane Loss Projection Methodology; public records exemption; public meetings exemption.
- 627.06281 Public hurricane loss projection model; reporting of data by insurers.
- 627.0629 Residential property insurance; rate filings.
- 627.06291 Excess profits of residential property insurer; return.
- 627.06292 Reports of hurricane loss data and associated exposure data; public records exemption.
- 627.0645 Annual filings.
- 627.06501 Insurance discounts for certain persons completing driver improvement course.
- 627.0651 Making and use of rates for motor vehicle insurance.
- 627.0652 Insurance discounts for certain persons completing safety course.
- 627.0653 Insurance discounts for specified motor vehicle equipment.
- 627.06535 Electric vehicles; restrictions on imposing surcharges.
- 627.0654 Insurance discounts for buildings with fire sprinklers.
- 627.0655 Policyholder loss or expense-related premium discounts.
- 627.066 Excessive profits for motor vehicle insurance prohibited.
- 627.0665 Automatic bank withdrawal agreements; notification required.
- 627.072 Making and use of rates.
- 627.091 Rate filings; workers’ compensation and employer’s liability insurances.
- 627.0915 Rate filings; workers’ compensation, drug-free workplace, and safe employers.
- 627.0916 Agricultural horse farms.
- 627.092 Workers’ Compensation Administrator.
- 627.093 Application of s. 286.011 to workers’ compensation and employer’s liability insurances.
- 627.096 Workers’ Compensation Rating Bureau.
- 627.101 When filing becomes effective; workers’ compensation and employer’s liability insurances.
- 627.111 Effective date of filing.
- 627.141 Subsequent disapproval of filing; workers’ compensation and employer’s liability insurances.
- 627.151 Basis of approval or disapproval of workers’ compensation or employer’s liability insurance filing; scope of disapproval power.
- 627.1615 Workers’ compensation applicant discrimination.
- 627.162 Requirements for premium installments; delinquency, collection, and check return charges; attorney’s fees.
- 627.171 Excess rates.
- 627.191 Adherence to filings; workers’ compensation and employer’s liability insurances.
- 627.192 Workers’ compensation insurance; employee leasing arrangements.
- 627.211 Deviations; workers’ compensation and employer’s liability insurances.
- 627.212 Workplace safety program surcharge.
- 627.215 Excessive profits for workers’ compensation, employer’s liability, commercial property, and commercial casualty insurance prohibited.
- 627.221 Rating organizations; licensing; fee.
- 627.231 Subscribers to rating organizations.
- 627.241 Notice of changes.
- 627.251 Bureau rules not to affect dividends.
- 627.261 Actuarial and technical services.
- 627.281 Appeal from rating organization; workers’ compensation and employer’s liability insurance filings.
- 627.285 Independent actuarial peer review of workers’ compensation rating organization.
- 627.291 Information to be furnished insureds; appeal by insureds; workers’ compensation and employer’s liability insurances.
- 627.301 Advisory organizations.
- 627.311 Joint underwriters and joint reinsurers; public records and public meetings exemptions.
- 627.312 Transitional provisions.
- 627.3121 Public records and public meetings exemptions.
- 627.313 Workers’ Compensation Joint Underwriting Plan; audit requirements.
- 627.314 Concerted action by two or more insurers.
- 627.318 Records.
- 627.331 Recording and reporting of loss, expense, and claims experience; rating information.
- 627.351 Insurance risk apportionment plans.
- 627.3511 Depopulation of Citizens Property Insurance Corporation.
- 627.3512 Recoupment of residual market deficit assessments.
- 627.3513 Standards for sale of bonds by Citizens Property Insurance Corporation.
- 627.3515 Market assistance plan; property and casualty risks.
- 627.3517 Consumer choice.
- 627.3519 Annual report of aggregate net probable maximum losses, financing options, and potential assessments.
- 627.35193 Consumer reporting agency request for claims data from Citizens Property Insurance Corporation.
- 627.357 Medical malpractice self-insurance.
- 627.361 False or misleading information.
- 627.371 Hearings.
- 627.381 Penalty for violation.
PART II THE INSURANCE CONTRACT(ss. 627.401-627.442)
- 627.401 Scope of this part.
- 627.402 Definitions; specified certificates not included.
- 627.4025 Residential coverage and hurricane coverage defined.
- 627.403 “Premium” defined.
- 627.4035 Cash payment of premiums; claims.
- 627.404 Insurable interest; personal insurance.
- 627.405 Insurable interest; property.
- 627.406 Power to contract; purchase of insurance by or for minor.
- 627.407 Alteration of application.
- 627.408 Application as evidence.
- 627.4085 Insurer name, agent name, and license identification number required on application.
- 627.409 Representations in applications; warranties.
- 627.4091 Specific reasons for denial, cancellation, or nonrenewal.
- 627.40951 Standard personal lines residential insurance policy.
- 627.410 Filing, approval of forms.
- 627.4101 Credit insurance enrollment forms.
- 627.4105 Life and health insurance; reduced premiums upon rigorous physical examination.
- 627.4107 Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited.
- 627.411 Grounds for disapproval.
- 627.412 Standard provisions, in general.
- 627.413 Contents of policies, in general; identification.
- 627.4131 Telephone number required.
- 627.4132 Stacking of coverages prohibited.
- 627.4133 Notice of cancellation, nonrenewal, or renewal premium.
- 627.4135 Casualty insurance contracts subject to general provisions for insurance contracts.
- 627.4136 Nonjoinder of insurers.
- 627.4137 Disclosure of certain information required.
- 627.414 Additional policy contents.
- 627.4143 Outline of coverage.
- 627.4145 Readable language in insurance policies.
- 627.4147 Medical malpractice insurance contracts.
- 627.4148 Medical malpractice insurers; required offer of coverage limits.
- 627.41495 Public notice of medical malpractice rate filings.
- 627.415 Charter, bylaw provisions.
- 627.416 Execution of policies.
- 627.417 Underwriters’ and combination policies.
- 627.418 Validity of noncomplying contracts.
- 627.419 Construction of policies.
- 627.4195 Health insurance; claims for payment of psychotherapeutic services; confidentiality.
- 627.420 Binders.
- 627.4205 Coverage identification number required.
- 627.421 Delivery of policy.
- 627.422 Assignment of policies.
- 627.423 Payment discharges insurer.
- 627.4232 Health insurance out-of-hospital benefits.
- 627.4233 Total disability defined.
- 627.4234 Health insurance cost containment provisions required.
- 627.4235 Coordination of benefits.
- 627.4236 Coverage for bone marrow transplant procedures.
- 627.4237 Sickness disability or disability due to sickness.
- 627.4238 Health insurer examinations.
- 627.4239 Coverage for use of drugs in treatment of cancer.
- 627.42395 Coverage for certain prescription and nonprescription enteral formulas.
- 627.424 Minor may give acquittance.
- 627.425 Forms for proof of loss to be furnished.
- 627.426 Claims administration.
- 627.4265 Payment of settlement.
- 627.427 Payment of judgment by insurer; penalty for failure.
- 627.428 Attorney’s fee.
- 627.429 Medical tests for HIV infection and AIDS for insurance purposes.
- 627.4295 Dental procedures; anesthesia and hospitalization coverage.
- 627.4301 Genetic information for insurance purposes.
- 627.4302 Identification cards for processing prescription drug claims.
- 627.441 Commercial general liability policies; coverage to contractors for completed operations.
- 627.442 Insurance contracts.
PART III LIFE INSURANCE AND ANNUITY CONTRACTS(ss. 627.451-627.482)
- 627.451 Scope of this part.
- 627.452 Standard provisions required.
- 627.453 Grace period.
- 627.454 Entire contract; statements in application.
- 627.455 Incontestability.
- 627.4554 Annuity investments by seniors.
- 627.4555 Secondary notice.
- 627.4556 Life insurance automatic policy loan provision.
- 627.456 Misstatement of age or sex.
- 627.457 Dividends.
- 627.458 Policy loan.
- 627.4585 Maximum rate of interest on policy loans.
- 627.459 Reinstatement.
- 627.460 Authority to alter contract.
- 627.4605 Replacement notice.
- 627.461 Settlement on proof of death.
- 627.4615 Interest payable on death claim payments.
- 627.462 Table of installments.
- 627.463 Excluded or restricted coverage.
- 627.464 Annuity contracts, pure endowment contracts; standard provisions.
- 627.465 Annuity contracts, pure endowment contracts; grace period.
- 627.466 Annuity contracts, pure endowment contracts; incontestability.
- 627.467 Annuity contracts, pure endowment contracts; entire contract.
- 627.468 Annuity contracts, pure endowment contracts; misstatement of age or sex.
- 627.469 Annuity contracts, pure endowment contracts; dividends.
- 627.470 Annuity contracts, pure endowment contracts; reinstatement.
- 627.471 Reversionary annuities; standard provisions.
- 627.472 Incontestability after reinstatement.
- 627.473 Policy settlements.
- 627.474 Policy must contain entire contract.
- 627.475 Nonforfeiture benefits; certain interim policies.
- 627.476 Standard Nonforfeiture Law for Life Insurance.
- 627.479 Prohibited policy plans.
- 627.480 Cash payments of single-premium life policies.
- 627.481 Requirements for certain annuity agreements.
- 627.482 Interest payable on cash surrender of policy.
PART IV INDUSTRIAL LIFE INSURANCE POLICIES(ss. 627.501-627.522)
- 627.501 Scope of this part.
- 627.502 “Industrial life insurance” defined; reporting.
- 627.503 Required provisions.
- 627.504 Grace period.
- 627.5045 Secondary notice.
- 627.505 Entire contract; statements in application.
- 627.506 Incontestability.
- 627.507 Misstatement of age or sex.
- 627.508 Dividends.
- 627.509 Reinstatement.
- 627.510 Settlement on proof of death.
- 627.511 Authority to alter contract.
- 627.512 Beneficiary.
- 627.513 Facility of payment.
- 627.514 Nonforfeiture benefits; certain interim policies.
- 627.515 Title of industrial life insurance policy.
- 627.516 Advance payment of premiums.
- 627.517 Conversion.
- 627.521 Disclosure statements.
- 627.522 Policy requirements and prohibitions.
PART IX CREDIT LIFE AND DISABILITY INSURANCES(ss. 627.676-627.6845)
- 627.676 Scope of this part.
- 627.677 Definitions.
- 627.678 Rules.
- 627.6785 Filing of rates with department.
- 627.679 Amount of insurance; disclosure.
- 627.681 Term and evidence of insurance.
- 627.682 Filing, approval of forms.
- 627.683 Licensed agent required.
- 627.684 Premium not deemed loan or finance charge.
- 627.6841 Credit insurance consolidations; general requirements.
- 627.6842 Group-to-group consolidations.
- 627.6843 Consolidation disclosure requirements.
- 627.6844 Replacement rules.
- 627.6845 Policy forms used in connection with consolidations.
PART V GROUP LIFE INSURANCE POLICIES(ss. 627.551-627.575)
- 627.551 Group contracts and plans of self-insurance must meet group requirements.
- 627.5515 Out-of-state groups.
- 627.552 Employee groups.
- 627.553 Debtor groups.
- 627.554 Labor union groups.
- 627.555 Trustee groups.
- 627.556 Credit union groups.
- 627.5565 Additional groups.
- 627.5567 Group life insurance; association groups.
- 627.5575 Group life insurance for dependents.
- 627.558 Provisions required in group contracts.
- 627.559 Grace period.
- 627.560 Incontestability.
- 627.561 Application; statements deemed representations.
- 627.562 Insurability.
- 627.563 Misstatement of age.
- 627.564 Payment of benefits.
- 627.565 Certificate.
- 627.566 Conversion on termination of eligibility.
- 627.567 Conversion on termination of policy.
- 627.568 Death pending conversion.
- 627.5685 Continuance of coverage during disability.
- 627.5686 Waiver of premium for disabled insured.
- 627.569 Use of dividends, refunds, rate reductions, commissions, service fees.
- 627.570 Premium rates.
- 627.571 Assignment of incidents of ownership in group life insurance policies, including conversion privileges.
- 627.5725 Notification to insureds of cancellation or expiration.
- 627.573 Replacement or termination of group life insurance; liability of prior insurer.
- 627.574 Liability of succeeding insurer on replacement of group policy.
- 627.575 Extension of benefits.
PART VI HEALTH INSURANCE POLICIES(ss. 627.601-627.6499)
- 627.601 Scope of this part.
- 627.602 Scope, format of policy.
- 627.603 Death benefits.
- 627.604 Nonresident insured.
- 627.6041 Handicapped children; continuation of coverage.
- 627.6043 Notification of cancellation, nonrenewal, or change in rates.
- 627.6044 Use of a specific methodology for payment of claims.
- 627.6045 Preexisting condition.
- 627.605 Required provisions; captions, omissions, substitutions.
- 627.6056 Coverage for ambulatory surgical center service.
- 627.606 Entire contract; changes.
- 627.607 Time limit on certain defenses.
- 627.608 Grace period.
- 627.609 Reinstatement.
- 627.610 Notice of claim.
- 627.611 Claim forms.
- 627.612 Proof of loss.
- 627.613 Time of payment of claims.
- 627.6131 Payment of claims.
- 627.614 Payment of claims.
- 627.6141 Denial of claims.
- 627.615 Physical examination, autopsy.
- 627.616 Legal actions.
- 627.617 Change of beneficiary.
- 627.618 Optional policy provisions.
- 627.619 Change of occupation.
- 627.620 Misstatement of age or sex.
- 627.621 Other insurance with this insurer.
- 627.622 Insurance with other insurers.
- 627.623 Insurance with other insurers; other benefits.
- 627.624 Relation of earnings to insurance.
- 627.625 Unpaid premiums.
- 627.6265 Cancellation or nonrenewal prohibited.
- 627.627 Conformity with statutes.
- 627.628 Illegal occupation.
- 627.629 Intoxicants and narcotics.
- 627.630 Order of certain provisions.
- 627.631 Third-party ownership.
- 627.632 Requirements of other jurisdictions.
- 627.633 Other policy provisions.
- 627.634 Age limit.
- 627.635 Excess insurance.
- 627.636 Industrial health insurance.
- 627.637 Construction of noncomplying contracts.
- 627.638 Direct payment for hospital, medical services.
- 627.639 Application signed by agent.
- 627.640 Filing of classifications and rates.
- 627.6401 Refunds for persons age 64.
- 627.6402 Insurance rebates for healthy lifestyles.
- 627.6403 Payment of acupuncture benefits to certified acupuncturists.
- 627.6405 Decreasing inappropriate utilization of emergency care.
- 627.6406 Maternity care.
- 627.6407 Massage.
- 627.6408 Diabetes treatment services.
- 627.6409 Coverage for osteoporosis screening, diagnosis, treatment, and management.
- 627.641 Coverage for newborn children.
- 627.6415 Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.
- 627.6416 Coverage for child health supervision services.
- 627.6417 Coverage for surgical procedures and devices incident to mastectomy.
- 627.64171 Coverage for length of stay and outpatient postsurgical care.
- 627.64172 Requirements with respect to breast cancer and routine followup care.
- 627.6418 Coverage for mammograms.
- 627.6419 Requirements with respect to breast cancer.
- 627.64193 Required coverage for cleft lip and cleft palate.
- 627.642 Outline of coverage.
- 627.6425 Renewability of individual coverage.
- 627.643 Uniform minimum standards.
- 627.644 Discrimination against handicapped prohibited.
- 627.645 Denial of health insurance claims restricted.
- 627.646 Conversion on termination of eligibility.
- 627.647 Standard health claim form.
- 627.6471 Contracts for reduced rates of payment; limitations; coinsurance and deductibles.
- 627.6472 Exclusive provider organizations.
- 627.64725 Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan.
- 627.6473 Combined preferred provider and exclusive provider policies.
- 627.64731 Leasing, renting, or granting access to a participating provider.
- 627.6474 Provider contracts.
- 627.6475 Individual reinsurance pool.
- 627.648 Florida Comprehensive Health Association Act.
- 627.6482 Definitions.
- 627.6484 Termination of enrollment; availability of other coverage.
- 627.6486 Eligibility.
- 627.6487 Guaranteed availability of individual health insurance coverage to eligible individuals.
- 627.64871 Certification of coverage.
- 627.64872 Florida Health Insurance Plan.
- 627.6488 Florida Comprehensive Health Association.
- 627.6489 Disease Management Program.
- 627.649 Administrator.
- 627.6492 Participation of insurers.
- 627.6494 Assessments; deferment, limitation.
- 627.6496 Issuing of policies.
- 627.6498 Minimum benefits coverage; exclusions; premiums; deductibles.
- 627.6499 Reporting by insurers and third-party administrators.
PART VII GROUP, BLANKET, AND FRANCHISE HEALTH INSURANCE POLICIES(ss. 627.651-627.6699)
- 627.651 Group contracts and plans of self-insurance must meet group requirements.
- 627.6512 Exemption of certain group health insurance policies.
- 627.6515 Out-of-state groups.
- 627.6516 Trustee groups.
- 627.652 Group health insurance; definitions.
- 627.653 Employee groups.
- 627.654 Labor union, association, and small employer health alliance groups.
- 627.655 Debtor groups.
- 627.6551 Teacher and student groups.
- 627.656 Additional groups.
- 627.6561 Preexisting conditions.
- 627.65615 Special enrollment periods.
- 627.6562 Dependent coverage.
- 627.65625 Prohibiting discrimination against individual participants and beneficiaries based on health status.
- 627.65626 Insurance rebates for healthy lifestyles.
- 627.6563 Full-time employment defined.
- 627.657 Provisions of group health insurance policies.
- 627.6571 Guaranteed renewability of coverage.
- 627.65735 Nondiscrimination of coverage for surgical procedures.
- 627.6574 Maternity care.
- 627.65745 Diabetes treatment services.
- 627.6575 Coverage for newborn children.
- 627.65755 Dental procedures; anesthesia and hospitalization coverage.
- 627.6577 Dental care.
- 627.6578 Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.
- 627.6579 Coverage for child health supervision services.
- 627.658 Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.
- 627.659 Blanket health insurance; eligible groups.
- 627.660 Conditions and provisions of blanket health insurance policies.
- 627.661 School accident insurance claims; policy service.
- 627.6612 Coverage for surgical procedures and devices incident to mastectomy.
- 627.66121 Coverage for length of stay and outpatient postsurgical care.
- 627.66122 Requirements with respect to breast cancer and routine followup care.
- 627.6613 Coverage for mammograms.
- 627.6615 Handicapped children; continuation of coverage under group policy.
- 627.6616 Coverage for ambulatory surgical center service.
- 627.6617 Coverage for home health care services.
- 627.6618 Payment of acupuncture benefits to certified acupuncturists.
- 627.6619 Massage.
- 627.662 Other provisions applicable.
- 627.663 Franchise health insurance.
- 627.664 Assignment of incidents of ownership in group, blanket, or franchise health policies.
- 627.6645 Notification of cancellation, expiration, nonrenewal, or change in rates.
- 627.6646 Cancellation or nonrenewal prohibited.
- 627.6647 Release of claims experience.
- 627.6651 Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer.
- 627.666 Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy.
- 627.667 Extension of benefits.
- 627.6675 Conversion on termination of eligibility.
- 627.668 Optional coverage for mental and nervous disorders required; exception.
- 627.6686 Coverage for individuals with autism spectrum disorder required; exception.
- 627.669 Optional coverage required for substance abuse impaired persons; exception.
- 627.6691 Coverage for osteoporosis screening, diagnosis, treatment, and management.
- 627.66911 Required coverage for cleft lip and cleft palate.
- 627.6692 Florida Health Insurance Coverage Continuation Act.
- 627.6698 Attorney’s fees.
- 627.6699 Employee Health Care Access Act.
PART VIII MEDICARE SUPPLEMENT POLICIES(ss. 627.671-627.675)
- 627.671 Medicare supplement reform; short title.
- 627.672 Definitions.
- 627.673 Designation as Medicare supplement policy; penalties for violations.
- 627.6735 Order to discontinue certain advertising.
- 627.6736 Filing requirements for out-of-state group policies.
- 627.6737 Reporting of multiple policies.
- 627.674 Minimum standards; filing requirements.
- 627.6741 Issuance, cancellation, nonrenewal, and replacement.
- 627.6742 Permitted compensation arrangements.
- 627.6743 Standards for marketing.
- 627.6744 Recommended purchase and excessive insurance.
- 627.6745 Loss ratio standards; public rate hearings.
- 627.6746 Compliance with Omnibus Budget Reconciliation Acts.
- 627.675 Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable.
PART X PROPERTY INSURANCE CONTRACTS(ss. 627.701-627.714)
- 627.701 Liability of insureds; coinsurance; deductibles.
- 627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.
- 627.70121 Payment of claims for dual interest property.
- 627.70131 Insurer’s duty to acknowledge communications regarding claims; investigation.
- 627.7015 Alternative procedure for resolution of disputed property insurance claims.
- 627.7016 Insurer contracts with building contractors.
- 627.70161 Family day care insurance.
- 627.7017 Hurricane loss mitigation projects.
- 627.7018 Standards for determining risk of coverage.
- 627.7019 Standardization of requirements applicable to insurers after natural disasters.
- 627.702 Valued policy law.
- 627.705 Return of unearned premium on overinsured personal property.
- 627.706 Sinkhole insurance; catastrophic ground cover collapse; definitions.
- 627.7061 Coverage inquiries.
- 627.7063 Building code effectiveness grading schedule.
- 627.7065 Database of information relating to sinkholes; the Department of Financial Services and the Department of Environmental Protection.
- 627.707 Standards for investigation of sinkhole claims by insurers; nonrenewals.
- 627.7072 Testing standards for sinkholes.
- 627.7073 Sinkhole reports.
- 627.7074 Alternative procedure for resolution of disputed sinkhole insurance claims.
- 627.7077 Florida Sinkhole Insurance Facility and other matters related to affordability and availability of sinkhole insurance; feasibility study.
- 627.711 Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.
- 627.712 Residential windstorm coverage required; availability of exclusions for windstorm or contents.
- 627.713 Report of hurricane loss data.
- 627.714 Residential condominium unit owner coverage; loss assessment coverage required.
PART XI MOTOR VEHICLE AND CASUALTY INSURANCE CONTRACTS(ss. 627.7261-627.746)
- 627.7261 Refusal to issue policy.
- 627.7263 Rental and leasing driver’s insurance to be primary; exception.
- 627.727 Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.
- 627.7275 Motor vehicle liability.
- 627.7276 Notice of limited coverage.
- 627.7277 Notice of renewal premium.
- 627.728 Cancellations; nonrenewals.
- 627.7281 Cancellation notice.
- 627.7282 Notice of additional premium; cancellation upon nonpayment.
- 627.7283 Cancellation; return of premium.
- 627.7285 Experience while operating a train.
- 627.7286 Renewal of policy and setting of rates; certain experience not a factor.
- 627.7288 Comprehensive coverage; deductible not to apply to motor vehicle glass.
- 627.7295 Motor vehicle insurance contracts.
- 627.72951 Temporary binding permitted.
- 627.730 Florida Motor Vehicle No-Fault Law.
- 627.731 Purpose.
- 627.732 Definitions.
- 627.733 Required security.
- 627.734 Proof of security; security requirements; penalties.
- 627.736 Required personal injury protection benefits; exclusions; priority; claims.
- 627.737 Tort exemption; limitation on right to damages; punitive damages.
- 627.739 Personal injury protection; optional limitations; deductibles.
- 627.7401 Notification of insured’s rights.
- 627.7403 Mandatory joinder of derivative claim.
- 627.7405 Insurers’ right of reimbursement.
- 627.7407 Application of the Florida Motor Vehicle No-Fault Law.
- 627.7415 Commercial motor vehicles; additional liability insurance coverage.
- 627.742 Nonpublic sector buses; additional liability insurance coverage.
- 627.743 Payment of third-party claims.
- 627.744 Required preinsurance inspection of private passenger motor vehicles.
- 627.745 Mediation of claims.
- 627.746 Coverage for minors who have a learner’s driver’s license; additional premium prohibited.
PART XII SURETY INSURANCE CONTRACTS(ss. 627.751-627.759)
- 627.751 Surety on required bonds; release.
- 627.752 Bonds in judicial proceedings.
- 627.754 Sureties upon official bonds.
- 627.756 Bonds for construction contracts; attorney fees in case of suit.
- 627.758 Surety on auto club traffic arrest bond; conditions, limit; bail bond.
- 627.759 Estoppel to deny power.
PART XIII TITLE INSURANCE CONTRACTS(ss. 627.7711-627.798)
- 627.7711 Definitions.
- 627.776 Applicability or inapplicability of Florida Insurance Code provisions to title insurers.
- 627.777 Approval of forms.
- 627.7773 Accounting and auditing of forms by title insurers.
- 627.7776 Furnishing of supplies; civil liability.
- 627.778 Limit of risk.
- 627.780 Illegal dealings in premium.
- 627.782 Adoption of rates.
- 627.783 Rate deviation.
- 627.7831 Commitments; charges; collection.
- 627.784 Casualty title insurance prohibited.
- 627.7841 Insurance against adverse matters or defects in the title.
- 627.7842 Policy exceptions.
- 627.7843 Ownership and encumbrance reports.
- 627.7845 Determination of insurability required; preservation of evidence of title search and examination.
- 627.785 Preemption by state.
- 627.786 Transaction of title insurance and any other kind of insurance prohibited.
- 627.7865 Title insurer assessments.
- 627.791 Penalties against title insurers for violations by persons or entities not licensed.
- 627.792 Liability of title insurers for defalcation by title insurance agents or agencies.
- 627.793 Rulemaking authority.
- 627.796 Errors and omissions policy requirements.
- 627.797 Exempt agent list.
- 627.798 Rulemaking authority.
PART XIV VARIABLE OR INDETERMINATE VALUE CONTRACTS(ss. 627.801-627.807)
- 627.801 Application of this part.
- 627.8015 “Indeterminate value contracts” and “variable contracts” defined.
- 627.802 Establishment and maintenance of separate accounts.
- 627.803 Statement of value of benefits.
- 627.804 Investment of assets.
- 627.805 Regulation of variable and indeterminate value contracts; rules.
- 627.8055 Qualification of companies to issue variable or indeterminate value contracts.
- 627.806 Applicability of code to indeterminate value contracts and variable life insurance contracts and accounts.
- 627.807 Variable or indeterminate value contract reserve requirements.
PART XIX PURCHASING GROUPS AND RISK RETENTION GROUPS(ss. 627.941-627.955)
- 627.941 Purpose.
- 627.942 Definitions.
- 627.943 Risk retention groups certified in Florida.
- 627.944 Risk retention groups not certificated in this state.
- 627.945 Compulsory association.
- 627.946 Countersignatures not required.
- 627.947 Purchasing groups; exemption from certain insurer provisions.
- 627.948 Notice and registration requirements of purchasing groups.
- 627.949 Restrictions on insurance purchased by purchasing groups.
- 627.950 Administrative and procedural authority regarding risk retention and purchasing groups.
- 627.951 Penalties; cease and desist orders; injunctions.
- 627.952 Risk retention and purchasing group agents.
- 627.953 Binding effect of orders issued in United States District Court.
- 627.954 Rules.
- 627.955 Limitation on deductibles.
PART XV PREMIUM FINANCE COMPANIES AND AGREEMENTS(ss. 627.826-627.849)
- 627.826 “Premium finance company” defined.
- 627.827 “Premium finance agreement” defined.
- 627.828 License required.
- 627.8281 Levy upon deposit.
- 627.829 Approval, disapproval of application; license renewal.
- 627.832 Grounds for refusal, suspension, or revocation of license.
- 627.833 Administrative fine and probation in lieu of suspension, revocation, or refusal to renew license.
- 627.834 Examinations.
- 627.835 Excessive premium finance charge; penalty.
- 627.836 Licensee’s books and records; reports.
- 627.838 Filing and approval of forms; service charges.
- 627.839 Form and content of premium finance agreements.
- 627.840 Limitation on service and other charges.
- 627.8405 Prohibited acts; financing companies.
- 627.841 Delinquency, collection, cancellation, and check return charges; attorney’s fees.
- 627.842 Restrictions on premium finance agreements.
- 627.843 Delivery of copy of premium finance agreement.
- 627.844 Assignment of premium finance agreement.
- 627.845 Statement of account; receipts.
- 627.847 Extensions or deferrals.
- 627.848 Cancellation of insurance contract upon default.
- 627.849 Fees.
PART XVI PREMIUM FINANCING(ss. 627.901-627.904)
- 627.901 Premium financing by an insurance agent or agency.
- 627.902 Premium financing by an insurer or subsidiary.
- 627.903 Premium finance cost specified.
- 627.904 Insurer filing; approval of forms; service charge filing.
PART XVII INSURER REPORTING(ss. 627.911-627.919)
- 627.911 Scope of this part.
- 627.912 Professional liability claims and actions; reports by insurers and health care providers; annual report by office.
- 627.9122 Officers’ and directors’ liability claims; reports by insurers.
- 627.9126 Reports by liability insurers.
- 627.913 Reports by products liability insurers.
- 627.914 Reports of information by workers’ compensation insurers required.
- 627.915 Insurer experience reporting.
- 627.917 Uniform risk classification reporting system for motor vehicle insurance.
- 627.9175 Reports of information on health and accident insurance.
- 627.918 Reporting formats.
- 627.919 Maintenance of insurance data.
PART XVIII LONG-TERM CARE INSURANCE POLICIES(ss. 627.9401-627.9408)
- 627.9401 Short title.
- 627.9402 Purpose.
- 627.9403 Scope.
- 627.9404 Definitions.
- 627.9405 Authorized groups; filing requirements.
- 627.9406 Out-of-state group long-term care insurance.
- 627.9407 Disclosure, advertising, and performance standards for long-term care insurance.
- 627.94071 Minimum standards for home health care benefits.
- 627.94072 Mandatory offers.
- 627.94073 Notice of cancellation; grace period.
- 627.94074 Standards for benefit triggers.
- 627.94075 A qualified state Long-Term Care Insurance Partnership Program in Florida.
- 627.94076 Time limit on certain defenses.
- 627.9408 Rules.
PART XX FINANCIAL GUARANTY INSURANCE(ss. 627.971-627.975)
- 627.971 Definitions.
- 627.972 Organization; financial requirements.
- 627.973 Limitations.
- 627.974 Filing of policy forms and rates.
- 627.975 Reinsurance.
PART XXI MORTGAGE INSURANCE CONSOLIDATIONS(ss. 627.981-627.987)
- 627.981 Scope of part.
- 627.982 Definitions.
- 627.983 General requirements.
- 627.984 Group-to-group consolidations.
- 627.985 Disclosure requirements.
- 627.986 Replacement rules.
- 627.987 Policy forms.