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The Florida Statutes

The 2023 Florida Statutes (including Special Session C)

Chapter 627
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F.S. 627.747
627.747 Named driver exclusion.
(1) A private passenger motor vehicle policy may exclude the following coverages for all claims or suits resulting from the operation of a motor vehicle by an identified individual who is not a named insured, provided the identified individual is named on the declarations page or by endorsement and the named insured consents in writing to such exclusion:
(a) Notwithstanding the Florida Motor Vehicle No-Fault Law, the personal injury protection coverage specifically applicable to the identified individual’s injuries, lost wages, and death benefits.
(b) Property damage liability coverage.
(c) Bodily injury liability coverage, if required by law and purchased by the named insured.
(d) Uninsured motorist coverage for any damages sustained by the identified excluded individual, if the named insured has purchased such coverage.
(e) Any coverage the named insured is not required by law to purchase.
(2) A private passenger motor vehicle policy may not exclude coverage when:
(a) The identified individual is injured while not operating a motor vehicle;
(b) The identified individual is being excluded solely because of his or her race, color, religion, sex, national origin, age, handicap, pregnancy, or marital status; or
(c) The exclusion is inconsistent with the underwriting rules filed by the insurer pursuant to s. 627.0651(13)(a).
(3) A driver excluded pursuant to this section must:
(a) Establish, maintain, and show proof of financial ability to respond for damages arising out of the ownership, maintenance, or use of a motor vehicle as required by chapter 324; and
(b) Maintain security as required by s. 627.733.
History.s. 1, ch. 2021-96.