Insurance Coverage Law in Florida

This page covers insurance coverage law as it applies in Florida — the state and federal laws that govern it, filing deadlines, where to get help, and notable in-state decisions. For what insurance coverage protects generally, see the national overview.

Compiled from primary legal sourcesNot legal adviceHow we source this

Laws that govern insurance coverage in Florida

Florida state law

Title XLV - TORTS > Chapter 768 - NEGLIGENCE > Part I - GENERAL PROVISIONS FL 768 § 768.28
Cited in 207 court decisions on this topic's terms.
Title XXXVII - INSURANCE > Chapter 627 - INSURANCE RATES AND CONTRACTS > Part XI - MOTOR VEHICLE AND CASUALTYINSURANCE CONTRACTS FL 627 § 627.736
Cited in 112 court decisions on this topic's terms.
Title XXXVII - INSURANCE > Chapter 624 - INSURANCE CODE: ADMINISTRATION AND GENERAL PROVISIONS > Part I - SCOPE OF CODE FL 624 § 624.155
Cited in 84 court decisions on this topic's terms.
Title VI - CIVIL PRACTICE AND PROCEDURE > Chapter 61 - DISSOLUTION OF MARRIAGE; SUPPORT; TIME-SHARING > Part I - GENERAL PROVISIONS FL 61 § 61.13
Cited in 61 court decisions on this topic's terms.
Title XXXVII - INSURANCE > Chapter 627 - INSURANCE RATES AND CONTRACTS > Part XI - MOTOR VEHICLE AND CASUALTYINSURANCE CONTRACTS FL 627 § 627.727
Cited in 47 court decisions on this topic's terms.
Title XXXI - LABOR > Chapter 440 - WORKERS’ COMPENSATION FL 440 § 440.02
Cited in 43 court decisions on this topic's terms.

Browse all of Florida’s statutes →

Federal law

McCarran-Ferguson Act
Delegates insurance regulation to the states and exempts most state insurance regulation from federal antitrust scrutiny. Codified at 15 U.S.C. §§ 1011–1015.

Where to go & how to get help

Government agencies and non-profit legal-help organizations for insurance coverage in Florida.

USA.gov — Find legal aid and free legal serviceslegal aid
Official U.S. government starting point for finding free or low-cost legal help and legal-aid programs near you.
Legal Services Corporation — Get legal helplegal aid
Locate the LSC-funded legal-aid organization that serves your county for civil (non-criminal) legal problems.
American Bar Association — Free Legal Help & Lawyer Referralbar referral
Find your state or local bar association lawyer-referral service and free legal-answer programs.
USA.gov — State attorney generalagency
Find your state attorney general to file consumer-protection, civil-rights, or other complaints.

Not legal advice. State-specific statutes, deadlines and procedures are being sourced and will appear here.