FLORIDA AUTO INSURANCE GUIDE
Florida Coverage Disclosure & Insurer Duties
Florida Statutes § 627.4137 requires liability insurers that do or may provide coverage for a claim to provide specified insurance information within 30 days after a claimant’s written request.
- The sworn disclosure must identify the insurer, each insured, liability limits, known policy or coverage defenses, and include a copy of the policy.
- The disclosure applies to each known liability policy, including excess or umbrella insurance.
- The insured or insurance agent, on written request, must disclose the name and coverage of each known insurer and forward the request to affected insurers.
- The insurer must amend its statement immediately upon discovering facts requiring an amendment.
Current-law review: September 16, 2026. Surplus-lines liability policies are governed by a separate disclosure statute with different timing.