If you’ve read that Florida “ended no-fault insurance” or “repealed PIP” in 2026, you’ve read something that isn’t true. I want to clear it up, because acting on bad information after a crash can cost you real money.

What actually happened: The 2026 legislative session ended on March 13, 2026. Two bills aimed at ending Florida’s no-fault system. Senate Bill 522 and House Bill 769,  both died in committee. They did not become law. 

So as of today:

• Florida is unfortunately still a no-fault state.
• PIP is still required. You’re still mandated to carry at least $10,000 in Personal Injury Protection and $10,000 in property damage liability.
• The proposed change  moving to a mandatory bodily injury system with $25,000/$50,000 minimums was proposed, not passed.

Why is everyone confused? Three reasons: some of the failed bills listed a proposed effective date of July 1, 2026, so headlines treated it as a done deal; older articles written when repeal looked likely were never updated; and AI search tools keep repeating the stale claim as if it were current. 

Here’s the part that actually affects you  and where dashcams come in.

Because Florida is still no fault, your own PIP pays first, regardless of who caused the crash,  but it caps at $10,000 and often doesn’t come close to covering a serious injury. To recover beyond that, you have to step outside no-fault and prove the other driver was at fault and that your injury meets Florida’s “serious injury” threshold.

Proving fault is exactly where drivers get stuck  and exactly where footage changes the outcome. In a no-fault state, the single most valuable thing you can do to protect a future claim is to be able to prove what happened. A police report is one person’s summary written after the fact (and for the most part inadmissible). Footage is the event itself.

And on “declining policies”: as premiums climb and insurers tighten, more Floridians are carrying bare-minimum coverage or letting policies lapse, which makes Uninsured/Underinsured motorist (UM/UIM) coverage more important than it’s been in years. If the person who hits you has no or little coverage (at the time of this article, roughly 25% in my practice), your UM policy may be the only thing standing between you and the bill. It’s optional in Florida, it’s cheap relative to what it covers, and most people don’t know they waived it.

Bottom line: Nothing about your obligations changed in 2026. Don’t drop your PIP because you read a headline. Do check whether you carry UM coverage. And do make sure that if someone hits you, you can prove it.

Have Questions About Your Florida Crash or Insurance Coverage? Contact The Dash Cam Lawyer® Today.