Plain English · Verified at the statute
Insurance is easier when someone shows you where the rules actually are. Every guide here is written by a licensed Florida agent... checked against the statute it cites... and built to answer the question the way the law draws it. Pick your lane.
Part one
Seven guides, one per line on your policy. Each one starts where the statute starts, then tells you what it pays for, what it skips, and the number that matters.
Personal Injury Protection (PIP)
Florida's no-fault core. The $10,000 that isn't automatic.
Read the guide →Property Damage Liability
The coverage Florida demands. Why $10,000 may not be enough.
Read the guide →Bodily Injury Liability
For the day you are the one at fault.
Read the guide →Uninsured Motorist
It might not cover the one thing you're counting on.
Read the guide →Medical Payments
Three policies use those two words. One pays you.
Read the guide →Comprehensive & Collision
"Full coverage" protects your car. Maybe not you.
Read the guide →Deductibles
How many do you have? Count again.
Read the guide →Part two
The discount pages. Which ones Florida requires, which ones are a company's choice, and which line of your bill each one actually touches.
Auto Insurance Discounts in Florida
Florida requires exactly four auto discounts. Everything else is a company choice. Start here, click through the coverage map, and work backwards from your bill.
Open the hub →Safe Driver
The four types, and the 36-month surcharge limits.
Read the guide →Defensive Driving Course
Two legally distinct discounts. Don't pay for the wrong one.
Read the guide →Good Student
No record an insurer pulls contains your student's grades.
Read the guide →Multi-Vehicle
The discount is real. So is the catch.
Read the guide →Bundling Home & Auto
The 7 kinds, including one across two companies.
Read the guide →Loyalty
Small, real, and not what keeps your rate down.
Read the guide →Telematics
Who can raise your rate, program by program.
Read the guide →New Car
The discount, the dealership, and the loan.
Read the guide →Anti-Theft Devices
It touches one line of your bill: comprehensive.
Read the guide →Vehicle Safety Features
What the law orders. What it only permits.
Read the guide →Part three
What to do when it happens, what skipping insurance really costs, and how Florida decides what you pay.
What to Do After a Car Accident
Four clocks start: 24 hours, 10 days, 14 days, 30 days.
Read the guide →Both Drivers, Same Insurer
What actually happens after that crash.
Read the guide →Penalties for Driving Uninsured
The ticket is $30. The famous $500 is something else.
Read the guide →How Auto Insurance Works Here
Florida skips a coverage other states require... and mandates one they don't.
Read the guide →What Sets Your Rate
Nine factors are in the law. So are your moves.
Read the guide →Tell Roberto what you drive and what you pay. He reads these rules for a living... and the call costs nothing.
