The American Property Casualty Insurance Association (APCIA) is urging Florida lawmakers to oppose House Bill 1181, warning that the proposed repeal of the state’s no-fault auto insurance system could drive up costs and reverse recent improvements in the state’s insurance market.
In a statement following HB 1181’s advancement out of the Florida House Insurance & Banking Subcommittee, APCIA senior vice president of state government relations Adam Shores cautioned that the repeal could lead to increased litigation and higher premiums, particularly affecting low-income drivers.
“Efforts to repeal Florida’s no-fault auto insurance system could result in higher auto insurance costs and increased litigation at a time when the state’s insurance market is in recovery,” Shores said. “Several major auto insurers have filed for rate reductions recently ranging from 6% to 10.5%. These positive trends could be reversed.”
HB 1181 would raise the minimum required auto insurance coverage levels, which APCIA says would disproportionately impact low-income drivers who currently purchase only the minimum limits. “If coverage becomes unaffordable, drivers may opt to go without coverage,” Shores said.
APCIA credited the 2022–2023 legal system abuse reforms with helping to stabilize Florida’s insurance landscape, reduce litigation, and lower insurance costs. The association believes that repealing the no-fault system now could undermine those gains.
“We urge the Florida Legislature to hold the line and vote no on HB 1181,” Shores said.
APCIA represents home, auto, and business insurers nationwide and advocates for competitive private insurance markets. Its members include insurers of all sizes and structures, serving families, communities, and businesses across the US and globally.
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