Florida Did Not Kill PIP. If Someone Told You to Drop It, That Advice Costs $150 and Your Plate.

If you drive in Florida and you’ve read that no-fault is dead and your $10,000 PIP is now optional, keep paying for it. The law never changed. Drop it and the state takes your plate.

There was a real bill. Senate Bill 522 would have repealed the Florida Motor Vehicle No-Fault Law. It died in the Senate Banking and Insurance Committee on March 13, 2026. Repeal bills died in committee in the 2025 session too. A repeal has made it through the full Legislature exactly once, back in 2021, and Governor Ron DeSantis vetoed it.

So the rumor came from somewhere real. It just never crossed the finish line.

Who told you it passed

Insurance Journal went looking for the source of the confusion in May and found it coming from people who are supposed to know better: the Aronberg & Aronberg law firm, the Brooks Law Group, and Jessica Lyng Insurance, a Panhandle agency. AI-generated search results stated it as settled fact, that “a 2025 law repealed the statute, effective July 1, 2026.”

That date is not a law. It’s a proposed effective date, lifted out of a bill that died, and repeated until it started sounding like a fact.

Lisa Miller, a former Florida deputy insurance commissioner, put it plainly: “Nothing happened with PIP this year.” She called the postings “misleading and potentially harmful for insureds.”

An insurance agency publishing that your required coverage is no longer required is a problem. An agency is where you’d call to cancel it.

What you’re actually still carrying

Florida Statute 627.736 hasn’t moved. You carry $10,000 in medical and disability benefits and $5,000 in death benefits.

Here’s where the money actually goes. PIP pays 80 percent of reasonable expenses for medically necessary care. Not all of it. Eighty percent, up to ten grand, and then you’re on your own.

And there’s a clock. To get those medical benefits at all, you have to receive initial services and care within 14 days of the crash. Miss the window and the coverage you’ve been paying for every month stops being worth much.

The repeal rumor costs you nothing if you ignore it. The 14-day clock costs you plenty if you miss it.

Do this

Pull your declarations page and confirm PIP is on it. That’s a two-minute job in your insurer’s app.

If anyone, an agent included, tells you Florida made PIP optional, ask them for the bill number and the effective date. Then look it up yourself at flsenate.gov. Bills that die stay dead, and the page says so in one line.

Cancel on bad information and Florida suspends your license and your registration. Reinstatement runs $150 the first time, $250 the second, and $500 for every one after that inside three years. That’s before you count whatever the uncovered ambulance ride costs.

Shopping your premium is the smart move here, not shrinking your coverage. Run your numbers through our insurance estimator, then compare what carriers will actually quote you on the auto insurance hub. Same coverage, lower price, is a real thing. Less coverage, lower price, is just a bet you’re making against yourself.

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