No. Florida has not repealed Personal Injury Protection. Every repeal bill since 2021 has either been vetoed or died in the Legislature, so PIP is still required to register a vehicle in Florida. Keep your PIP in force and treat headlines about repeal as proposals, not law.
Few insurance topics confuse Florida drivers more than PIP repeal. Every year or two a bill to scrap the no-fault system makes the news, and drivers reasonably wonder whether they still need the coverage, or whether their premium is about to change.
The short version is that nothing has changed for the driver yet. This guide walks through what PIP is, each recent attempt to repeal it, and what you should actually do with your policy while the debate continues.
Related: Florida auto insurance coverage you need today
See also: Florida PIP insurance explained · How much car insurance do I need in Florida?
Key takeaways
- Florida has not repealed PIP. It is still required to register a vehicle.
- The 2021 repeal bill (CS/CS/SB 54) passed the Legislature but was vetoed.
- Repeal bills in 2025 (HB 1181, SB 1256) and 2026 (SB 522, HB 769) died without becoming law.
- A bill only changes your obligations once it passes both chambers and becomes law.
What PIP is, and why repeal keeps coming up
Personal Injury Protection is the coverage at the center of Florida's no-fault system. It pays part of your own medical bills and lost wages after a crash, regardless of who caused it, up to a $10,000 limit. Florida requires $10,000 of PIP and $10,000 of property damage liability to register a vehicle.
Supporters of repeal argue the no-fault system invites fraud and litigation and that requiring bodily injury liability instead would better protect people who are hurt. Opponents warn that a sudden switch could raise premiums for many drivers. Because both sides have strong arguments, the issue returns to the Legislature regularly.
2021: the Legislature passed repeal, and the Governor vetoed it
The closest Florida has come to repealing PIP was CS/CS/SB 54 in 2021. According to the Florida Senate's bill summary, it would have repealed the No-Fault Law starting January 1, 2022, and replaced the PIP requirement with mandatory bodily injury liability of $25,000 per person and $50,000 per crash, while keeping the $10,000 property damage requirement.
The bill passed both chambers, but the Governor vetoed it, and the Senate's bill history records the veto. Because of that veto, none of its changes took effect and PIP stayed in place.
CS/CS/SB 54 (2021) bill page and historyFlorida Senate summary of CS/CS/SB 54 (2021)
2025: HB 1181 and SB 1256 died
In the 2025 session, House Bill 1181 and Senate Bill 1256 again proposed repealing the no-fault system. Neither bill passed. The Senate's records list both as having died in committee, so the law did not change.
2026: SB 522 and HB 769 died in committee
The 2026 session brought another pair of repeal bills, Senate Bill 522 and House Bill 769. Both died in committee when the regular session adjourned on March 13, 2026. As a result, PIP remains required for the rest of 2026 unless a future law changes it.
Bills that die in committee do not carry over automatically. Any future attempt would have to be filed as a new bill, pass both chambers, and be signed by the Governor (or survive a veto) before it could affect your policy.
What repeal would mean if it ever passes
Every bill depends on its own wording, so the details of any future repeal would matter. The 2021 bill shows the general shape these proposals have taken: drop the PIP requirement, require bodily injury liability instead, and give drivers a transition date to update their policies.
If a repeal does become law, insurers would have to rewrite policies, and drivers would likely receive notices explaining the changes before the effective date. We would contact our clients and review each policy, but no one has to act on a bill that has not passed.
What Florida drivers should do now
Because PIP is still law, the practical steps are about keeping your coverage solid today rather than predicting the next session.
- Keep PIP and property damage liability in force. Letting coverage lapse can lead to suspension of your license and registration.
- Look at bodily injury liability even though most drivers aren't required to carry it. It protects you if you injure someone, and it is what every recent repeal bill would have made mandatory.
- Consider uninsured motorist coverage, which protects you when the at-fault driver has little or no liability coverage.
- Treat news about repeal as a proposal until a bill passes and is signed. Check the official bill page for its status.
- Review your policy at each renewal so your limits keep up with your household, your vehicles and your savings.
Make sure your Florida auto policy is set up right
See how PIP, liability and uninsured motorist coverage fit together, or ask us to compare carriers for you.
Frequently asked questions
Sources
- Section 627.736, Florida Statutes: Required personal injury protection benefits
- Florida Senate: CS/CS/SB 54 (2021), Motor Vehicle Insurance
- Florida Senate: 2021 bill summary for CS/CS/SB 54
- Florida Senate: HB 1181 (2025)
- Florida Senate: SB 1256 (2025)
- Florida Senate: SB 522 (2026)
- Florida Senate: HB 769 (2026)
- FLHSMV: Florida insurance requirements
This guide is general information for Florida consumers, not a policy or legal advice. Coverage terms vary by carrier and policy form — your declarations page controls. Last updated October 13, 2026.