Bodily Injury Liability
Protects your personal assets if you are legally responsible for injuries or death to others in an automobile accident.
Vehicle Protection
Florida Auto Insurance Coverage
Protection designed for Florida drivers and household vehicles. Guidance on liability limits, personal injury protection (PIP), uninsured motorist coverage, and comprehensive storm and flood protection.
Core Auto Coverage Layers
Understanding what each coverage layer does when you're on the road or facing weather events.
Property Damage Liability
Mandatory in Florida; pays for damage your vehicle causes to another person's car, fence, structure, or other property.
Uninsured / Underinsured Motorist
Vital in Florida; covers medical costs and lost wages for you and your passengers if struck by a driver who carries no insurance or inadequate limits.
Comprehensive (Storm & Flood)
Pays for non-collision vehicle damage including hurricane storm surge, rising floodwater, falling palm fronds, hail, and vehicle theft.
Collision Coverage
Covers repair or actual cash value replacement of your vehicle if it strikes another car, curb, or stationary object in a crash.
Personal Injury Protection (PIP)
Florida's required no-fault coverage paying 80% of medical expenses and 60% of lost income up to $10,000 following an auto incident.
Auto Insurance FAQs
Common questions about car insurance rules in Florida.
Does auto insurance cover flood or hurricane damage to my car?
Yes, provided you carry Comprehensive coverage on that vehicle before the storm forms. Liability-only or basic PIP policies do not cover storm, flood, or rising water damage to your own vehicle.
Why is Uninsured Motorist (UM) coverage strongly recommended in Florida?
Florida has one of the highest percentages of uninsured and underinsured motorists in the country. Florida law does not require drivers to purchase bodily injury liability. UM coverage protects you and your family if hit by an uninsured driver.
What to prepare for your conversation
Vehicle details, number of drivers, current declarations page, and how each vehicle is used. Share sensitive driver information directly with the agent.
Coverage and eligibility questions
Ask about liability limits, deductibles, vehicle use, driver eligibility, and which optional protections fit your circumstances. Availability and coverage depend on the insurer and policy terms.
Next steps
No obligation. Request a quote to start an agent follow-up; this website does not provide an instant price or bind coverage.
Can I ask for help before I have every document?
Yes. Start with the information you have. The agency can explain what else is needed to review available options.