Fla. Stat. 627.7286
Renewal of policy and setting of rates; certain experience not a factor

No insurer providing motor vehicle liability coverage shall refuse to renew any policy providing coverage for a personal motor vehicle of any person based solely on such person’s experience while operating a vehicle as a part of her or his employment for any local transit system or as a part of her or his employment as a bus operator for any nonpublic sector bus company or as a law enforcement officer or firefighter; and no points assessed against such person under s. 322.27 in connection with such experience shall be considered as a factor in the setting of such person’s personal motor vehicle liability insurance rates. The burden of demonstrating that such points were assessed in connection with such experience shall lie with the insured.

Source: Section 627.7286 — Renewal of policy and setting of rates; certain experience not a factor, https://www.­flsenate.­gov/Laws/Statutes/2024/0627.­7286 (accessed Aug. 7, 2025).

627.727
Motor vehicle insurance 627.728
Cancellations 627.730
Florida Motor Vehicle No-Fault Law 627.731
Purpose 627.732
Definitions 627.733
Required security 627.734
Proof of security 627.736
Required personal injury protection benefits 627.737
Tort exemption 627.739
Personal injury protection 627.742
Nonpublic sector buses 627.743
Payment of third-party claims 627.744
Preinsurance inspection of private passenger motor vehicles 627.745
Mediation of claims 627.746
Coverage for minors who have a learner’s driver license 627.747
Named driver exclusion 627.748
Transportation network companies 627.749
Autonomous vehicles 627.7261
Refusal to issue policy 627.7263
Rental and leasing driver’s insurance to be primary 627.7275
Motor vehicle liability 627.7276
Notice of limited coverage 627.7277
Notice of renewal premium 627.7281
Cancellation notice 627.7282
Notice of additional premium 627.7283
Cancellation 627.7285
Experience while operating a train 627.7286
Renewal of policy and setting of rates 627.7288
Comprehensive coverage 627.7289
Assignment of post-loss motor vehicle glass benefits prohibited 627.7291
Motor vehicle windshield claims and practices 627.7295
Motor vehicle insurance contracts 627.7311
Effect of law on personal injury protection policies 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 627.7483
Peer-to-peer car sharing 627.7491
Official law enforcement vehicles 627.72951
Temporary binding permitted

Current through Fall 2025

§ 627.7286. Renewal of policy & setting of rates; certain experience not a factor's source at flsenate​.gov