You should use an independent insurance agency to gain access to a wider variety of insurance companies and policy options, ensuring you find the best fit for your needs rather than being limited to one provider. An independent agent acts as your advocate, providing personalized advice, local expertise, and support throughout the claims process, simplifying a complex purchase and saving you time.

Yes, Florida law requires you to carry at least $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL) insurance to register a vehicle. You must show proof of this insurance when driving or registering a vehicle, and failing to do so can result in the suspension of your driver’s license and vehicle registration.

In Florida, PIP (Personal Injury Protection) insurance, also known as no-fault insurance, covers 80% of medical expenses and 60% of lost wages up to a total limit of $10,000, regardless of who was at fault in the accident. It also includes a $5,000 death benefit. PIP covers medical costs, lost income, and certain death benefits.

No, Florida law does not require most drivers to carry bodily injury liability (BIL) insurance; however, if you have a DUI conviction or are a high-risk driver, you must carry BIL coverage. Florida’s no-fault laws require drivers to carry Personal Injury Protection (PIP) instead, which covers your own injuries and lost wages regardless of fault.

Collision coverage pays for damage to your vehicle from accidents, such as hitting another car or a fixed object, and from rollovers. Comprehensive coverage, often called “comp,” pays for damage from non-collision events like theft, vandalism, fire, hitting an animal, and weather-related incidents like hail. Both types of coverage typically have a deductible you pay before insurance kicks in, and both are often required by lenders for financed or leased vehicles.