A & J INSURANCE · PLAIN-ENGLISH GUIDES

Florida Insurance Guides

The coverages behind your policy, explained the way we explain them across the counter.

Every guide is written and reviewed by a licensed Florida agent, verified at the statutes and official state sources it cites, and dated. No sales pitch: the guide explains, and the coverage pages sell.

Se habla español · Serving all of Florida from Lake Worth Beach · Since 2007

Auto coverage guides

Bodily Injury Liability

The Coverage for the Day You Are the One at Fault

It pays the people you hurt, never you. Florida registers a car without it, the two numbers that decide everything, and the trap tying it to your own uninsured motorist protection.

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Personal Injury Protection

Florida PIP Explained: Coverage, Limits, and What's Often Missing

The $10,000 that isn't automatic, the 14-day treatment clock, the EMC gate, and the two policy elections that can quietly shrink what PIP pays.

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Property Damage Liability

Florida PDL: What It Covers, and Why $10,000 May Not Be Enough

What counts as "property," the $500 deductible rule that never shorts the other driver, and what current repair costs do to a $10,000 limit.

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Uninsured Motorist

It Might Not Cover the One Thing You're Counting On

It pays for injuries, not your car. The four drivers who count as uninsured, the rejection form that follows every renewal, and what stacked versus non-stacked really signs you up for.

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Medical Payments

Three Policies Use Those Two Words. Only One Pays You

On your car it pays you. On your home and business it pays everyone except you. The PIP gap, the 14-day clock that is not on this coverage, and the motorcycle chain.

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Comprehensive & Collision

"Full Coverage" Protects Your Car. It Might Not Protect You

The two coverages behind the phrase, which one pays for the deer and the flood, the old-car advice that quietly bundles two switches, and what a total loss actually pays.

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Deductibles

How Many Deductibles Do You Have? Count Again

Dollars, percentages, and waiting periods. The calendar-year hurricane rule, Florida's windshield exception, and a calculator that turns your percentage into dollars.

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This library grows as guides are reviewed and published. For coverage and quotes, start at Auto Insurance in Florida or Business Insurance in Florida.

A guide answers the question. A call answers YOUR question.

Reading about coverage is a start. Knowing what is on your own dec page is the part that counts. Call, and Roberto will go through it with you line by line.

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