Protecting American Consumers Together said on May 21 that Florida’s overhaul of its legal system has led to positive changes in the state’s insurance market, with Florida Insurance Commissioner Michael Yaworsky telling other states that this model works.
The organization said the reforms matter because they have resulted in a more stable insurance environment and could serve as an example for other states. Protecting American Consumers Together posted on X, highlighting the results of Florida’s legal system reforms and the positive response in the state’s insurance market. The organization referenced statements made by Florida Insurance Commissioner Michael Yaworsky at the Reinsurance Outlook USA 2026 conference in New York, where he addressed delegates on the evolution of Florida’s property insurance market, according to Protecting American Consumers Together.
Florida enacted comprehensive tort reforms in recent legislative sessions that addressed lawsuit abuse and one-way attorney fee provisions. These changes have stabilized the property and casualty insurance market and led to increased competition with new carriers entering the state. Insurance rates have begun to moderate as a direct result of the improved legal climate, according to the Florida Office of Insurance Regulation.
Florida’s top auto insurance groups announced average rate decreases for 2026, with nearly 80 percent of policyholders expected to see lower premiums. Commissioner Michael Yaworsky attributed these improvements to the state’s historic legislative reforms that reduced litigation costs and restored predictability to the insurance marketplace, according to MyFloridaCFO.com.
Protecting American Consumers Together is a national consumer advocacy organization dedicated to protecting consumers, strengthening and improving the legal system, and exposing predatory legal practices that undermine fairness and transparency. The group actively promotes civil justice reforms that reduce lawsuit abuse and lower costs for American families and businesses, according to Protecting American Consumers Together.
