If you have read that Florida has done away with PIP and that you no longer need it, you have read something that is not true. It is worth setting out precisely, because the claim keeps circulating and some of it comes from sources that ought to know better.
What actually happened
Senate Bill 522 of the 2026 session would have repealed Florida’s no-fault system and replaced the PIP requirement with mandatory bodily injury liability. It was filed on 17 November 2025 and introduced on 13 January 2026. It died in the Banking and Insurance committee on 13 March 2026.
A bill that dies in committee changes nothing. Florida remains a no-fault state. The compulsory minimums remain $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. If your policy was compliant in 2025 it is compliant now, and if you cancelled PIP on the strength of a headline you are driving uninsured under Florida law.
Why this keeps happening
Repeal has been attempted in more than one session, and each attempt produces a wave of coverage written as though it had succeeded. Insurance Journal reported in May 2026 that law firms and agencies were among those publishing misleading headlines on it, which is a reminder that a confident source and a correct one are different things.
The practical version: nothing about your policy needs to change because of SB 522. There is a separate and much older argument for adding bodily injury liability voluntarily, which is that Florida does not require it and that absence is the largest uninsured exposure most drivers here carry. That argument stands on its own and did not need a bill to pass.