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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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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