1) The dictator appellation is related to his policies in general, not solely to this case. There is not enough information to call him a dictator based on a flawed pro-insurance set of laws enacted by him in 2021.
So yes you are correct if that was the only information in the universe available to you.
2) The court decision _is_ a slam because:
a) Collier County (my county, very red in parts) said “lawsuit invalid because insurance law clearly applies retroactively”.
b) Appeals court said, “Maybe valid because it’s not clear it’s retroactively applied”.
c) DeSantis has had laws RETROACTIVELY applied several times already. Collier County judge was correct. The latest is DeSantis’ travel as well as other high level people is shielded from public view retroactively, going against Florida Sunshine Law, which they are decimating.
So the Collier judge will be found correct when it goes to the Florida Supreme Court.
AT that point, those judges on the appeals court will be removed, at least some of them. That’s how this administration operates.
c) No, it didn’t tank the law. Objectively, the appeals court was correct in a normal situation. But this is DeSantis-land where the law will be retroactive as others have been.