No, Florida Lawmakers Did Not Repeal the No-Fault Auto Insurance Law
Did you hear that Florida’s 55-year-old “no-fault” auto insurance statute has been repealed?
Most people in the Florida insurance industry probably know that is not true. But a number of recent websites and postings by Florida plaintiffs’ law firms and even those of a few insurance agencies have suggested otherwise, leading to some confusion and questions about the state’s personal injury protection law.
“Florida No Fault Insurance Repeal 2026,” reads a search-engine headline from the Aronberg & Aronberg law firm website. “Florida Senate Votes to End No-Fault Insurance,” reads another, posted on the Brooks Law Group site.
“If you have owned a vehicle in the Sunshine State, you are familiar with Personal Injury Protection (PIP). But as we move through 2026, that foundation is undergoing a seismic shift,” notes the website for Jessica Lyng Insurance, an agency in the Florida Panhandle.
Florida lawmakers in recent years have, in fact, considered repealing the personal injury protection, or PIP law. But it passed the Legislature only once, in 2021, when Gov. Ron DeSantis famously vetoed the bill. And more bills were introduced in the 2025 and 2026 legislative sessions.
But those bills died in committee, according to information from the Florida Senate and the House of Representatives, and from lobbyists, officials and others who have followed legislation closely.
“Nothing happened with PIP this year,” said Lisa Miller, former Florida deputy insurance commissioner.
She said the postings suggesting the law has been changed are misleading and potentially harmful for insureds who may be prompted to change their insurance policies or consider litigation after an accident.
Supporters of the PIP law, a no-fault plan that began in Florida in 1971 and is found in only a handful of other states, say it discourages lawsuits and, to some degree, hinders auto insurance fraud. Critics have countered that it limits some accident victims to just $10,000 in recovery—hardly enough to cover some medical bills.
People familiar with today’s brave new world of augmented internet search engines suggested that artificial intelligence and the need for ready-made website content for businesses may have something to do with the recent confusion.
Two law firms and an insurance agency that referenced the supposed end of the PIP law could not be reached for comment Monday. But Googling “Florida PIP law” provided an AI-assisted answer that stated flatly that a 2025 law repealed the statute, effective July 1, 2026. A second check later in the day suggested only that lawmakers are “actively pushing” to repeal the mandatory insurance requirement.
It’s perhaps another lesson in the importance of checking original sources cited by AI searches, or verifying stated information with a human, said Adam Basford, who leads government affairs, AI and insurance matters for Associated Industries of Florida, an advocacy group for businesses in the state.
“AI is a tool for business that can bring a lot of innovation and efficiencies, but it’s just that—a tool—not a sentient human being,” Basford said. “The people responsible for publishing information have to use it responsibly.”
Erroneous information from a “bot” or AI-fueled website is just as dangerous as false rumors spread by a person, he added. “It’s a real concern.”
With a little effort, though, most web search results can be verified. The status of legislation can be quickly checked on the Florida Senate or House websites, or through Legiscan.com, which provides bill information for all 50 states.
Insurance companies, in particular, need to be vigilant in monitoring and verifying AI information, especially as machine intelligence appears to be sweeping the industry in claims handling, underwriting and customer service, said Anthony Habayeb, co-founder and CEO of Monitaur, an AI-governance platform.
Habayeb, who has been involved with AI systems since 2017, spoke at the Florida Office of Insurance Regulation Summit last month. He said the insurers that are having the most success with artificial intelligence have taken pains to build in structure and checks and balances that vet data and scrutinize results.
“Why are the largest insurance companies getting real benefits from AI?” he asked. “Because they have structured it and have taken steps to control it and evaluate it.”