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SB 684FLORIDA · STATEWIDESession 2026Laid on Table, refer to CS/HB 961

New Security Rules for Electronic Signatures on Totaled Vehicles

Original title: Electronic Signatures Associated with Total Loss Vehicles and Vessels

December 1, 2025

transportationinsuranceelectronic signaturesvehicle salvagedata security

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Where This Stands

Currently Laid on Table, refer to CS/HB 961. The next step in the legislative lifecycle is Introduced.

Procedural history

14 actions
  1. Feb 18, 2026Senate
    CS by Rules read 1st time
  2. Feb 18, 2026Senate
    Placed on Calendar, on 2nd reading
  3. Feb 18, 2026Senate
    Pending reference review -under Rule 4.7(2) - (Committee Substitute)
  4. Feb 17, 2026Senate
    CS by- Rules; YEAS 23 NAYS 0
  5. Feb 12, 2026Senate
    On Committee agenda-- Rules, 02/17/26, 12:00 pm, 412 Knott Building
  6. Feb 4, 2026Senate
    Now in Rules
Show 8 earlier actions
  1. Feb 4, 2026SenateCommittee
    Favorable by Banking and Insurance; YEAS 10 NAYS 0
  2. Jan 30, 2026Senate
    On Committee agenda-- Banking and Insurance, 02/04/26, 10:30 am, 412 Knott Building
  3. Jan 21, 2026Senate
    Now in Banking and Insurance
  4. Jan 20, 2026SenateCommittee
    Favorable by Transportation; YEAS 8 NAYS 0
  5. Jan 15, 2026Senate
    On Committee agenda-- Transportation, 01/20/26, 9:30 am, 37 Senate Building
  6. Jan 13, 2026SenateIntroduced
    Introduced
  7. Dec 16, 2025SenateCommittee
    Referred to Transportation; Banking and Insurance; Rules
  8. Dec 1, 2025SenateIntroduced
    Filed

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

The Frame

What this does

Insurance companies and their agents will be required to adopt specific NIST-standard identity verification systems for salvage title paperwork, which changes the technical compliance requirements for processing claims in Florida.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Insurance companies

They must implement and maintain specific identity verification and security procedures for electronic signatures on salvage documents.

Vehicle owners

They will be required to use specific high-security electronic signature systems when signing odometer disclosures for total loss vehicles.

What changed

Last recorded activity December 1, 2025.

What's next

Introduced.

Summary

This bill updates how insurance companies handle electronic signatures for vehicles and vessels declared a . It requires insurers to use specific, high-level identity verification standards for odometer disclosures on salvage titles to ensure document security.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Why It Matters

Insurance companies and their agents will be required to adopt specific NIST-standard identity verification systems for salvage title paperwork, which changes the technical compliance requirements for processing claims in Florida.

Frequently Asked Questions

Does this change how I sign documents for my insurance company?
If your vehicle is declared a , your insurance company may now require you to use a more secure electronic signature system that meets specific federal identity verification standards.
What standards must insurance companies follow?
They must follow the National Institute of Standards and Technology (NIST) Special Publication 800-63-3, specifically meeting Level 2 requirements for identity, authenticator, and federation assurance.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Voting Record

Motion succeededsenate2/17/2026Official roll call ↗

Favorable with Committee Substitute

Total

26

Yes

25

No

0

Present

0

Not Voting

0

Abstain

0

Motion succeededsenate2/4/2026Official roll call ↗

Favorable

Total

12

Yes

12

No

0

Present

0

Not Voting

0

Abstain

0

Motion succeededsenate1/20/2026Official roll call ↗

Favorable

Total

12

Yes

11

No

0

Present

0

Not Voting

0

Abstain

0

Full roll-call analysis →

Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Standardization of Digital Identity

The bill mandates the adoption of federal NIST cybersecurity standards for state-level insurance salvage documentation, reflecting a trend toward aligning state administrative processes with federal digital identity frameworks.

National Institute of Standards and TechnologyFlorida Department of Highway Safety and Motor Vehicles

Connected Entities

location412 Senate Building“Location of a committee meeting”Map →
dollar_amount23“Vote count”Map →
organizationRules“Committee reviewing the bill”Map →
bill_numberHB“Bill identifier”Map →
location412 Knott Building“Location of a committee meeting”Map →
locationKnott Building“Location of a committee meeting”Map →
dollar_amount10“Vote count”Map →
locationSenate Building“Location of a committee meeting”Map →
organizationBanking and Insurance“Committee reviewing the bill”Map →
organizationTransportation“Committee reviewing the bill”Map →

Sources

Open source document

openstates.org

Analysis Score

0–100
  • Significance40
    How much this matters to a regular citizen
  • Controversy10
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz10
    Current news / social attention level

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