Florida Auto Insurance Regulation Report: PIP Elimination and the 25/50/10 Fault-Based Transition (July 2026)
Market Disclaimer: This report uses real-time actuarial filings from FSRA (Ontario), Texas Department of Insurance, and FL-OIR for the April 2026 period. It does not constitute legal or licensed insurance advice.
Florida's July 1, 2026 elimination of Personal Injury Protection fundamentally restructures the legal and actuarial framework through which every Florida auto insurance claim is processed. The no-fault architecture that PIP created is being replaced by a fault-based system requiring bodily injury liability coverage of $25,000 per person and $50,000 per accident, with property damage liability of $10,000. Florida drivers who previously carried only PIP and property damage are structurally underinsured under the July 1, 2026 framework.
| Effective Date | July 1, 2026 |
|---|---|
| PIP Status | Eliminated |
| New System | Fault-Based Liability |
| BI Minimum Per Person | $25,000 |
| BI Minimum Per Accident | $50,000 |
| Property Damage Minimum | $10,000 |
| Regulator | FL-OIR |
| Legislative Basis | HB 837, SB 236 |
The 25/50/10 Minimum Liability Framework
The new Florida minimum liability framework requires bodily injury coverage of twenty-five thousand dollars per injured person and fifty thousand dollars per accident, paired with property damage liability coverage of ten thousand dollars. Every Florida driver who was previously operating with a PIP-only plus property damage policy is now legally required to add a bodily injury liability component or face an uninsured motorist classification under the new framework effective July 1, 2026. FL-OIR Rate Filing FR-2026-07 documents the carrier transition pricing schedules.
The Coverage Gap Window: April Through June 2026
Drivers whose policies are currently compliant under the PIP framework may become non-compliant on July 1 if they do not take proactive action to add bodily injury liability coverage before their next renewal. FL-OIR Guidance Letter GL-26-03 requires carriers to include a PIP-to-BI transition disclosure in all renewal documents issued on or after March 1, 2026 for policies that expire on or after July 1, 2026.