---
type: "Bill"
title: "Motor Vehicle Insurance Coverage Exclusions"
description: "Motor Vehicle Insurance Coverage Exclusions; Providing that private passenger motor vehicle policies may exclude certain coverages for claims resulting from the operation of motor vehicles by identified individuals under certain circumstances; requiring excluded drivers to meet certain requirements for financial responsibility, etc."
jurisdiction: "us/states/fl"
legislature: "Florida Legislature"
session: "2021"
identifier: "SB 420"
citation: "Florida SB 420 (2021)"
classification: ["bill"]
subjects: ["i", "motor vehicles"]
status: "enacted"
chapter_law: "2021-96"
primary_sponsors: ["Hooper"]
version_count: 4
action_count: 34
vote_count: 5
first_action: "2021-01-05"
last_action: "2021-06-17"
source: "openstates"
source_identifier: "ocd-bill/fc566a27-7d80-4b84-a5c6-dcbc45aeede3"
source_url: "https://flsenate.gov/Session/Bill/2021/420/ByCategory"
source_hash: "72020bf54b77726c259720a33809e4d488975a37d65884fc0f789a4c79e802ef"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-fl"]
---

# Florida SB 420 (2021) — Motor Vehicle Insurance Coverage Exclusions

Motor Vehicle Insurance Coverage Exclusions; Providing that private passenger motor vehicle policies may exclude certain coverages for claims resulting from the operation of motor vehicles by identified individuals under certain circumstances; requiring excluded drivers to meet certain requirements for financial responsibility, etc.

**Enacted** — Laws of Florida, Chapter 2021-96.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **S 420 Filed** (filed) — [source](https://flsenate.gov/Session/Bill/2021/420/BillText/Filed/HTML)
2. **S 420 c1** (committee substitute) — [source](https://flsenate.gov/Session/Bill/2021/420/BillText/c1/HTML)
3. **S 420 e1** (engrossed) — [source](https://flsenate.gov/Session/Bill/2021/420/BillText/e1/HTML)
4. **S 420 er** (enrolled) — [source](https://flsenate.gov/Session/Bill/2021/420/BillText/er/HTML)

## Votes

- Favorable — **12–0** (pass) · upper
- Passage, Third Reading — **116–0** (pass) · lower
- Favorable — **17–0** (pass) · upper
- Favorable with Committee Substitute — **10–0** (pass) · upper
- Third Reading — **40–0** (pass) · upper

## Sponsors

- Hooper — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-01-05** Filed `filing`
- **2021-01-15** Referred to Banking and Insurance; Judiciary; Rules `referral-committee`
- **2021-02-26** On Committee agenda-- Banking and Insurance, 03/03/21, 9:30 am, 412 Knott Building
- **2021-03-02** Introduced `introduction`
- **2021-03-03** Favorable by Banking and Insurance; YEAS 12 NAYS 0 `committee-passage-favorable`
- **2021-03-03** Now in Judiciary
- **2021-03-04** On Committee agenda-- Judiciary, 03/09/21, 11:45 am, 412 Knott Building
- **2021-03-09** CS by Judiciary; YEAS 10 NAYS 0
- **2021-03-10** Pending reference review under Rule 4.7(2) - (Committee Substitute)
- **2021-03-10** Now in Rules
- **2021-03-11** CS by Judiciary read 1st time
- **2021-04-13** On Committee agenda-- Rules, 04/16/21, 9:00 am, 412 Knott Building
- **2021-04-15** On Committee agenda-- Rules, 04/20/21, 8:30 am, 412 Knott Building
- **2021-04-16** Favorable by- Rules; YEAS 17 NAYS 0 `committee-passage-favorable`
- **2021-04-16** Placed on Calendar, on 2nd reading
- **2021-04-16** Placed on Special Order Calendar, 04/21/21
- **2021-04-21** Read 2nd time `reading-2`
- **2021-04-21** Amendment(s) adopted (472820)
- **2021-04-21** Read 3rd time `reading-3`
- **2021-04-21** CS passed as amended; YEAS 40 NAYS 0 `passage`
- **2021-04-21** In Messages
- **2021-04-23** Bill referred to House Calendar
- **2021-04-23** Bill added to Special Order Calendar (4/26/2021)
- **2021-04-23** 1st Reading (Engrossed 1)
- **2021-04-26** Read 2nd time `reading-2`
- **2021-04-26** Placed on 3rd reading
- **2021-04-26** Added to Third Reading Calendar
- **2021-04-27** Read 3rd time `reading-3`
- **2021-04-27** CS passed; YEAS 116, NAYS 0 `passage`
- **2021-04-27** Ordered enrolled
- **2021-04-27** Message sent to senate
- **2021-06-14** Signed by Officers and presented to Governor
- **2021-06-16** Approved by Governor `executive-signature`
- **2021-06-17** Chapter No. 2021-96

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/fc566a27-7d80-4b84-a5c6-dcbc45aeede3`. Confidence: reported (aggregated from official Florida legislature records).