Floridaâs close to overhauling auto insurance. Hereâs whatâs next. The largest changes to the stateâs automobile insurance laws in nearly 50 years could be a Senate vote away from becoming law. Â Â Heavy traffic is seen along the southbound lanes of I-275 on the Howard Frankland bridge Wednesday, Aug. 28, 2019 in Clearwater. [ DOUGLAS CLIFFORD | Times ] TALLAHASSEE â Lawmakers continue speeding ahead with an overhaul of Floridaâs automobile insurance laws. With no debate, the Florida House voted 99-11 on Monday to repeal Floridaâs âno-faultâ laws and require every motorists to carry bodily injury coverage, a move that could lower rates for some while raising rates for others.