Here’s where we stand on the issues shaping Florida’s insurance future:

Legal Reforms Protect Consumers

PIFF members support important legal reforms that passed in December 2022 and March 2023 and have dramatically improved the health of the auto and property insurance markets. These reforms reduced predatory litigation, resulting in meaningful premium decreases for Floridians, the creation of several new insurance companies, which increased consumer choice, and helped to lower reinsurance costs that are passed on to consumers.

These reforms must not be reversed or weakened by the creation of statutory loopholes. This will ensure that our stabilizing insurance market can become healthy and vibrant to the benefit of consumers. Read more about the history of reforms and why vigilance still matters.

PIP Repeal Harms Consumers

PIFF members are concerned about the implications of the repeal of the Florida Motor Vehicle No-Fault Law and the personal injury protection insurance (“PIP”) it provides. If the law is repealed, millions of motorists will be adversely impacted with higher rates. Our members believe that PIP is a valuable coverage that protects motorists, and with recent legal reforms, PIP is working as it was intended when it became law in the early 1970’s. PIP should be maintained in 2026. Learn more about the debate over PIP repeal and what is at stake.

Overregulation Harms Insurance Markets

PIFF members support an open, competitive insurance market with appropriately restrained regulatory oversight that is focused on solvency and consumer protection. Burdensome regulations hinder innovation, increase costs, and limit the ability of insurers to respond to market changes.

We urge the Legislature to allow free market competition and refrain from imposing unnecessary regulatory burdens on the market.

Stronger Homes Reduce Risk

PIFF members support home hardening, which reduces the risk of catastrophe loss and reduces the cost of insurance. We also support stronger building codes that lead to stronger homes, community resiliency, reduced risk and lower insurance costs.