(1) No insurer shall impose or request an additional premium for automobile insurance, or refuse to renew a policy, solely because the insured or applicant was convicted of one or more traffic violations which do not involve an accident or do not cause revocation or suspension of the driving privileges of the insured, without adequate proof of a direct, demonstrable, objective relationship between the violation for which the surcharge was imposed and the increased risk of highway accidents.
(2) No insurer shall cancel or otherwise terminate any automobile insurance contract with an insured after the insured has paid the premiums on such policy for 5 years or more solely because the insured is involved in a single traffic accident.
(3) Any person or organization which violates any provision of this section shall be subject to the penalties provided in s. 627.381.
History.—s. 1, ch. 77-158; s. 807, ch. 82-243; ss. 206, 207, ch. 90-363; s. 4, ch. 91-429.
Structure Florida Statutes
Chapter 626 - Insurance Field Representatives and Operations
Part IX - Unfair Insurance Trade Practices (Ss. 626.951-626.99)
626.951 - Declaration of purpose.
626.9531 - Identification of insurers, agents, and insurance contracts.
626.9541 - Unfair methods of competition and unfair or deceptive acts or practices defined.
626.9545 - Improper charge identification incentive program.
626.9551 - Favored agent or insurer; coercion of debtors.
626.9561 - Power of department and office.
626.9581 - Cease and desist and penalty orders.
626.9591 - Appeals from the department or office.
626.9601 - Penalty for violation of cease and desist orders.
626.9621 - Provisions of part additional to existing law.
626.9641 - Policyholders, bill of rights.
626.9702 - Illegal dealings in premiums; excess charges for insurance.
626.9705 - Life or disability insurance; illegal dealings.
626.9706 - Life insurance; discrimination on basis of sickle-cell trait prohibited.
626.9707 - Disability insurance; discrimination on basis of sickle-cell trait prohibited.
626.9741 - Use of credit reports and credit scores by insurers.
626.9743 - Claim settlement practices relating to motor vehicle insurance.
626.9744 - Claim settlement practices relating to property insurance.
626.9885 - Financial institutions conducting insurance transactions.
626.9892 - Anti-Fraud Reward Program; reporting of insurance fraud.
626.9893 - Disposition of revenues; criminal or forfeiture proceedings.