FLORIDA AUTO INSURANCE GUIDE
Florida Claims Handling & Insurance Bad Faith
Florida’s liability bad-faith framework changed materially in 2023. Under Fla. Stat. § 624.155, a liability bad-faith action does not lie if the insurer tenders the lesser of the policy limits or the amount demanded within 90 days after receiving actual notice of a claim accompanied by sufficient evidence to support the amount of the claim.
- Mere negligence alone is insufficient to establish bad faith under the current statute.
- The insured, claimant and their representatives have statutory good-faith duties in furnishing information, making demands, setting deadlines and attempting settlement.
- The 90-day liability safe harbor is distinct from the civil-remedy notice process applicable to other statutory claims.
- Analyze the date of loss and applicable statutory version before relying on pre-2023 bad-faith cases.
Primary Florida Source
Fla. Stat. § 624.155 — Civil Remedy and Liability Bad Faith
Current-law review: September 16, 2026. Florida bad-faith analysis is highly date-sensitive after the 2023 statutory reforms.
VictimsGuide 