Florida PIP Repeal: Impact on Commercial Auto

Florida is repealing PIP on July 1, 2026. Learn how at-fault liability affects your commercial auto policy and fleet coverage.

Regulatory Update | 7 min read | 2026-03-02

Florida is killing its no-fault auto insurance system on July 1, 2026. If you operate commercial vehicles in the state, your coverage obligations are about to change. Here's what you need to do before the deadline.

Florida has required Personal Injury Protection (PIP) coverage since 1971. Under this no-fault system, every vehicle owner — personal or commercial — carries at least $10,000 in PIP, which pays 80% of medical expenses regardless of who caused the accident. That system ends on July 1, 2026.

In This Article

• What's Happening: PIP Goes Away July 1, 2026
• New Minimum Coverage: The 25/50/10 Standard
• How Claims Change for Fleet Operators
• The UM/UIM Coverage Gap Most Businesses Miss
• Workers' Comp and Commercial Auto: The Overlap
• What Florida Businesses Should Do Before July 1

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