Florida's 2026 HB 527 proposed human-review requirements for certain insurance claim decisions involving artificial intelligence. The official record shows the bill died in Senate Rules on March 13, 2026. Its proposed effective date is not evidence that it became law. Official HB 527 record.
What this status does and does not tell you
The bill history establishes the outcome of this specific proposal. It does not establish that an insurer can lawfully deny any claim, that every automated process is unlawful, or that other statutes and policy duties do not apply. This page makes no conclusion about whether an individual denial complied with the law.
Questions to organize after a denial
Use the insurer's written decision and your own policy as the starting point. Ask for a clear explanation of the policy provisions and facts relied upon. If you are concerned about automated processing, ask what review occurred and how to request clarification.
Keep the following together:
- The decision letter and date received.
- The applicable policy and endorsements.
- The documents submitted with the claim.
- Your written questions and any response.
- Any stated review or response deadlines.
Do not infer the use of AI merely from a fast or unsatisfactory response. A disputed decision and proof of automated decision-making are different factual questions.
When the dispute needs individual advice
For a dispute about legal rights, deadlines, or remedies, seek a qualified professional who can review the actual documents. This publication does not handle claims, investigate insurers, or give legal representation.
Earlier broad statements about the absence of all legal protections have been removed because the fate of one bill cannot support that conclusion.