Florida’s No-Fault Repeal Died Again in 2026: What That Means for Your Next Crash on I-275

Scroll through enough insurance blogs and social media posts, and you might come away believing that Florida’s PIP requirement is already history. It is not. The bill that would have ended it never made it out of its first Senate committee, and the House version stalled the same day.

What Happened to the Repeal Bill

Senate Bill 522 (2026) proposed repealing the Florida Motor Vehicle No-Fault Law, including section 627.736, Florida Statutes, which sets out the required personal injury protection benefits. It also would have changed minimum liability coverage and uninsured motorist provisions. As written, it would have taken effect on January 1, 2027.

The Senate’s bill page shows the bill was filed in November 2025, introduced in January 2026, and died in the Banking and Insurance Committee on March 13, 2026. It never received a floor vote. A similar House bill, H 769, died the same day in the House Civil Justice & Claims Subcommittee. Repeal proposals have surfaced before without becoming law, which is why “died again” fits.

What Stays the Same for Drivers

Since nothing passed, the current statutes still apply to a crash on I-275, the Selmon Expressway, or a side street in Brandon. In general:

• Owners and registrants of motor vehicles required to be registered in Florida must keep the required security in effect continuously throughout the registration period, under section 627.733(1)(a), Florida Statutes.
• PIP is still governed by section 627.736, which provides medical and disability benefits up to $10,000 and death benefits up to $5,000 for bodily injury.
• PIP medical benefits are generally paid at 80 percent of reasonable expenses for medically necessary care, and the statute ties that benefit to receiving initial services and care within 14 days after the accident.
• The no-fault framework, including its rules on who can provide initial care, still shapes how claims are handled.

Why the Rumors Keep Spreading

A bill that is filed, debated, or even scheduled for a hearing can read like a done deal in a headline. Until a bill passes both chambers and becomes law, though, the existing statutes remain in force. Lawmakers can also file similar proposals in later sessions, so the topic is likely to resurface. Online summaries also tend to blur the line between a proposal and a statute. A post written in early 2026 about what the bill would do may still be circulating long after the bill died, and a reader who finds it later may never see the March date.

Can a Tampa Car Accident Attorney Help Me?

Anyone hurt in a Tampa Bay collision today is still dealing with PIP as it has existed for years, including its deadlines and benefit limits. Those details can shape how a claim unfolds from the first week forward, so understanding the system as it actually stands matters more than any rumor about where it is headed.

If you were injured in a wreck and want to understand how the current rules apply to your situation, the Tampa car accident lawyers at Anderson & Anderson would be glad to talk it through. Reach out to us and we will explain where PIP fits in your claim.

Sources:

flsenate.gov/Session/Bill/2026/522

leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.733.html leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.736.html