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Florida Statute 627.4147 - Full Text and Legal Analysis
Florida Statute 627.4147 | Lawyer Caselaw & Research
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The 2025 Florida Statutes

Title XXXVII
INSURANCE
Chapter 627
INSURANCE RATES AND CONTRACTS
View Entire Chapter
627.4147 Medical malpractice insurance contracts.
(1) In addition to any other requirements imposed by law, each self-insurance policy as authorized under s. 627.357 or s. 624.462 or insurance policy providing coverage for claims arising out of the rendering of, or the failure to render, medical care or services, including those of the Florida Medical Malpractice Joint Underwriting Association, shall include:
(a) A clause requiring the insured to cooperate fully in the review process prescribed under s. 766.106 if a notice of intent to file a claim for medical malpractice is made against the insured.
(b)1. A clause clearly stating whether or not the insured has the exclusive right to veto any offer of admission of liability and for arbitration pursuant to s. 766.106, settlement offer, or offer of judgment if the offer is within policy limits. An insurer or self-insurer shall not make or conclude, without the permission of the insured, any offer of admission of liability and for arbitration pursuant to s. 766.106, settlement offer, or offer of judgment, if such offer is outside the policy limits. However, any offer for admission of liability and for arbitration made under s. 766.106, settlement offer, or offer of judgment made by an insurer or self-insurer shall be made in good faith and in the best interest of the insured.
2. If the policy contains a clause stating the insured does not have the exclusive right to veto any offer or admission of liability and for arbitration made pursuant to s. 766.106, settlement offer, or offer of judgment, the insurer or self-insurer shall provide to the insured or the insured’s legal representative by certified mail, return receipt requested, a copy of the final offer of admission of liability and for arbitration made pursuant to s. 766.106, settlement offer, or offer of judgment and at the same time such offer is provided to the claimant. A copy of any final agreement reached between the insurer and claimant shall also be provided to the insured or his or her legal representative by certified mail, return receipt requested, not more than 10 days after affecting such agreement.
(c) A clause requiring the insurer or self-insurer to notify the insured no less than 90 days prior to the effective date of cancellation of the policy or contract and, in the event of a determination by the insurer or self-insurer not to renew the policy or contract, to notify the insured no less than 90 days prior to the end of the policy or contract period. If cancellation or nonrenewal is due to nonpayment or loss of license, 10 days’ notice is required.
(d) A clause requiring the insurer or self-insurer to notify the insured no less than 60 days prior to the effective date of a rate increase. The provisions of s. 627.4133 shall apply to such notice and to the failure of the insurer to provide such notice to the extent not in conflict with this section.
(2) Each insurer covered by this section may require the insured to be a member in good standing, i.e., not subject to expulsion or suspension, of a duly recognized state or local professional society of health care providers which maintains a medical review committee. No professional society shall expel or suspend a member solely because he or she participates in a health maintenance organization licensed under part I of chapter 641.
(3) This section shall apply to all policies issued or renewed after October 1, 2003.
History.ss. 6, 44, ch. 85-175; s. 5, ch. 86-287; s. 114, ch. 92-318; s. 23, ch. 95-211; s. 1, ch. 96-361; s. 1733, ch. 97-102; s. 29, ch. 99-3; s. 43, ch. 2003-416; s. 9, ch. 2011-233; s. 149, ch. 2020-2.

F.S. 627.4147 on Google Scholar

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Amendments to 627.4147


Annotations, Discussions, Cases:

Cases Citing Statute 627.4147

Total Results: 8  |  Sort by: Relevance  |  Newest First

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Shuster v. South Broward Hosp. Dist. Physicians'Prof'l Liab. Ins. Trust, 570 So. 2d 1362 (Fla. 4th DCA 1990).

Cited 8 times | Published | Florida 4th District Court of Appeal | 1990 Fla. App. LEXIS 9091, 1990 WL 191894

...ESS JUDGMENT BUT IS CAUSED OTHER DAMAGES AS A RESULT OF THE SETTLEMENT? DOWNEY and DELL, JJ., concur. NOTES [1] The settlements made by the insurer involved claims covered by a policy issued prior to October 1, 1985. Appellants cite the amendment to section 627.4147(1), Florida Statutes (1985) regarding medical malpractice policies, which requires the insurer to act in good faith and in the best interests of the insured in settlement within the policy limits....
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Joanne Kong v. Allied Prof'l Ins. Co., 750 F.3d 1295 (11th Cir. 2014).

Cited 4 times | Published | Court of Appeals for the Eleventh Circuit | 2014 WL 1870615, 2014 U.S. App. LEXIS 8762

...And while certain provisions of the Insurance Code do pertain to arbitration, none establishes general venue regulations for arbitration in insurance disputes. See, e.g., id. § 631.206 (voiding arbitration agreements entered into by insurers in a receivership); id. § 627.4147 (regulating arbitration provisions in medical malpractice insurance contracts)....
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Cohen v. Freeman, 914 So. 2d 449 (Fla. 4th DCA 2005).

Cited 3 times | Published | Florida 4th District Court of Appeal | 2005 WL 2291972

...im when the insurer has settled for an amount within policy limits; the insurer has the right to settle a claim in good faith within the policy limits without considering the impact of higher premiums or damage to the insured's reputation); see also § 627.4147(1)(b)(1), Fla....
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Freeman v. Cohen, 969 So. 2d 1150 (Fla. 4th DCA 2007).

Cited 1 times | Published | Florida 4th District Court of Appeal | 2007 WL 4124604

...The only remaining defendants were Dr. Freeman and Dr. Rodriguez. Med Pro insured both physicians and Walk-In Family Medical Center of Boynton Beach, Inc. (Walk-In), [1] each with policy limits of $225,000 per occurrence. The insurance policies were effective January 1, 1998. Section 627.4147(1)(b)1., Florida Statutes (2002), required the policies to include: a clause authorizing the insurer or self-insurer to determine, to make, and to conclude, without the permission of the insured, any offer of admission of liability and for arbitration pursuant to s....
...766.106, settlement offer, or offer of judgment, when such offer is within the policy limits. However, any offer of admission of liability, settlement offer, or offer of judgment made by an insurer or self-insurer shall be made in good faith and in the best interests of the insured. § 627.4147(1)(b)1., Fla. Stat. (2002); see also § 627.4147(3), Fla....
...Freeman's motion and Med Pro's petition. Dr. Freeman then filed a counterclaim for declaratory relief asserting in part that there was a dispute as to whether the Cohens settled their claim, that he did not authorize settlement, and that the requirements of section 627.4147, Florida Statutes (2003), were not satisfied....
...*1153 The Cohens filed a motion to enforce the settlement with Med Pro. The Cohens' motion also sought dismissal of Med Pro's complaint for declaratory judgment or alternatively summary judgment in that action. The Cohens argued that as a matter of law Dr. Freeman had no right to veto the settlement under section 627.4147(1)(b)1., Florida Statutes....
...Freeman leave to amend his counterclaim and file a cross-claim for declaratory relief against Med Pro. In these pleadings, Dr. Freeman asserted he cancelled his policy, Med Pro was without authority to settle the case, Med Pro did not settle the case in good faith, and that the procedural requirements of section 627.4147 were not met....
...luding these arguments were insufficient as a matter of law to prevent the Cohens and Med Pro from settling the medical malpractice action. Id. at 450 (citing Shuster v. S. Broward Hosp. Dist. Phys. Prof'l Liab. Ins. Trust, 591 So.2d 174 (Fla.1992); § 627.4147(1)(b)1., Fla....
...This appeal followed. [4] Although Dr. Freeman, Dr. Rodriguez, and the Florida Medical Association, as amicus curiae, (collectively "the doctors"), attempt to raise several arguments on appeal, their arguments boil down to one; that this court improperly construed section 627.4147 and Shuster in Cohen I, thus, depriving the doctors of their right to a jury trial....
...h in its conduct of the presuit investigation and settlement. He alleged violations of both the presuit investigation procedure pursuant to section 766.106 and violation of the duty of good faith settlement in the best interests of the insured under section 627.4147....
...d indicate nor do we believe it would have been the intent of the parties, that the insured give up his or her right to a counterclaim by entering into the agreement") (emphasis added). Shuster's teaching was known to the Legislature when it adopted section 627.4147(1)(b)1....
...I concur in the majority opinion, because Dr. Freeman was attempting to prevent the settlement from occurring. He was interfering with the insurance company's right to settle this malpractice action without the permission of the insured, as set forth in section 627.4147(1)(b)1., Florida Statutes. This is distinguishable from Rogers v. Chicago Insurance Co., 964 So.2d 280 (Fla. 4th DCA 2007), in which I dissented, where the doctor sued for damages for violation of section 627.4147 after a settlement was consummated....
...sparingly, we were correct in applying that principle in Rogers and here. NOTES [1] Walk-In is the correct name of the Family Medical Center. [2] The statute was amended in 2003. It applies "to all policies issued or renewed after October 1, 2003." § 627.4147(3), Fla. Stat. (2003). However, the subsection in question is unchanged. See id.; § 627.4147(1)(b)1., Fla....
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Sharpe v. Physicians Prot. Trust Fund, 578 So. 2d 806 (Fla. 1st DCA 1991).

Cited 1 times | Published | Florida 1st District Court of Appeal | 1991 Fla. App. LEXIS 3841, 1991 WL 59999

...re further, we reiterate that there were no allegations of fact sufficient to support a claim of bad faith in the instant case. Having been shown no basis to disturb the judgment below, we affirm. AFFIRMED. NIMMONS and ZEHMER, JJ., concur. NOTES [1] Section 627.4147(1)(b), Florida Statutes (1985), contains the requirement that "any offer of admission of liability, settlement offer, or offer of judgment made by an insurer or self-insurer shall be made in good faith and in the best interests of th...
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Rogers v. Chicago Ins. Co., 964 So. 2d 280 (Fla. 4th DCA 2007).

Published | Florida 4th District Court of Appeal | 2007 Fla. App. LEXIS 15183, 2007 WL 2781017

...06, Florida Statutes, and settled a claim which was completely defensible, causing him damages, including the insurance company’s subsequent refusal to renew his policy. The trial court dismissed the claim, finding that neither section 766.106 nor section 627.4147, upon which the doctor relied in making his claim, created a private cause of action against the insurer....
...its conduct of the presuit investigation and settlement. He alleged violations of both the presuit investigation procedure pursuant to section 766.106 and violation of the duty of good *282 faith settlement in the best interests of the insured under section 627.4147....
...faith where an insurer settled the claims of one party in a case where there were multiple parties and claims, or prevented the insured from pursuing a counterclaim. Id. at 177. Neither this court nor the Florida Supreme Court determined what effect section 627.4147(1) would have on the case, as the policy in that case was issued prior to the statute’s enactment....
...766.106, settlement offer, or offer of judgment, when such offer is within the policy limits. However, any offer of admission of liability, settlement offer, or offer of judgment made by an insurer or self-insurer shall be made in good faith and in the best interests of the insured. (emphasis supplied). Thus, section 627.4147(1) requires malpractice insurance policies to grant the insurer the sole authority to settle a claim where settlement *284 is within policy limits....
...Although they are distinguishable, three cases from this court bear mentioning. In Bland v. Cage, 931 So.2d 931 (Fla. 4th DCA 2006), review denied, 948 So.2d 758 (Fla. 2007), the physician was objecting to the settlement of the malpractice claim, and this court held, without addressing section 627.4147, that the physician had no cause of action where the settlement was within the policy limits....
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Babic v. Physicians Prot. Trust Fund, 738 So. 2d 442 (Fla. Dist. Ct. App. 1999).

Published | District Court of Appeal of Florida | 1999 Fla. App. LEXIS 9849, 1999 WL 512076

...he settlement and/or contemplated under the Indemnity Agreement. ANALYSIS Under the indemnity agreement with PPTF, Babic admits that PPTF had the right to settle the Jacobson case as it deemed expedient with or without Babic’s consent or approval. Section 627.4147, Florida Statutes (1991), provides that it is against public policy for any medical malpractice insurance contract to contain a clause giving the insured the exclusive right to veto any offer for admission of liability and for arbitr...
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Mohamad R. Samiian, M.D., individually etc. v. First Professionals Ins. etc., 180 So. 3d 190 (Fla. 1st DCA 2015).

Published | Florida 1st District Court of Appeal | 2015 Fla. App. LEXIS 17927, 2015 WL 7731744

...The trial court erred in entering summary final judgment in favor of FPIC on the purported authority of section 766.1185(1)(a), Florida Statutes (2005). Based on the “pleadings and summary judgment evidence on file,” Fla. R. 6 Section 627.4147(1)(b)1., Florida Statutes (2005), requires that “any offer of admission of liability, settlement offer, or offer of judgment made by an insurer or self-insurer shall be made in good faith and in the best interests of the insured.” 8 Civ....
...Samiian, and whether waiving all defenses to liability while an offer to settle for policy limits was pending served his, as opposed to the insurer’s, interests. Reversed and remanded. ROWE and MARSTILLER, JJ., CONCUR. 8 We reject Dr. Samiian’s assertion that pursuant to section 627.4147, Florida Statutes (2005), the insurer retains exclusive control over the decision whether to admit liability and offer arbitration. See §§ 627.4147(1); (1)(b)1., Fla. Stat....