Auto Insurance,
Answered Plainly

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). These minimums are rarely enough after a serious accident. Our agents help you understand what coverage you actually need, not just the legal minimum.

Florida is a no-fault state, meaning your own insurance pays your medical bills after an accident regardless of who caused it. Your PIP coverage handles this, up to your policy limit. We make sure you have the right limits before you need them.

Florida ranks among the most expensive states for auto insurance due to its no-fault PIP system, high uninsured driver rates, frequent severe weather, and heavy tourist traffic. As an independent agency we shop multiple carriers to find you the most competitive rate available for your situation.

Only with comprehensive coverage. Comprehensive protects your vehicle from hurricane winds, flooding, hail, fallen trees, and debris, all real Gulf Coast risks. We strongly recommend it on every vehicle, every season.

Florida ranks among the top states for uninsured drivers. If one of them hits you, your own UM coverage is what protects you, not theirs. Without it, you're paying out of pocket for someone else's mistake.

Yes, and you generally should. Bundling policies with the same carrier typically earns meaningful multi-policy discounts across everything you own. We find the combination that delivers the most value.

Absolutely. Most standard auto policies don't cover specialty vehicles. We write separate policies for golf carts, ATVs, UTVs, and boat trailers, and often bundle them with your existing auto or home policy for a discount.

The moment the vehicle goes to work. Regular business use, including deliveries, service calls, hauling equipment, and transporting clients, is typically excluded from personal auto policies. If that describes your driving, keep reading into Part Two.

If the vehicle is titled to the business, carries company signage, hauls tools or product, or is driven by employees, your personal policy can deny the claim. A fleet of one still needs a commercial policy, and it often costs less than owners expect.

Occasional commuting is usually fine. Regular business use, such as deliveries, service calls, hauling equipment, or transporting clients, is typically excluded. The exclusion doesn't surface until you file a claim, which is the worst possible time to find it.

Florida requires commercial vehicles to carry minimum liability protection, with higher thresholds for larger trucks and for-hire operations. Contracts, lenders, and municipalities frequently require more than the state minimum. We check what applies to your operation before you sign anything.

It covers vehicles your business uses but doesn't own: rentals for a job, or an employee running to the supplier in their own car. Without it, a crash in an employee's personal vehicle on company time can land directly on the business.

Not by itself. Physical damage coverage handles the vehicle; tools, equipment, and materials inside need inland marine or a contractor's equipment policy. We write both, so nothing falls between the two.

Listed drivers operating a covered vehicle in the course of business are covered under your liability limits. Driver records affect your rate, so we review the roster with you and flag anything that could cause a problem at renewal.

Comprehensive coverage handles wind, hail, falling debris, and flood damage to vehicles, a real consideration when your trucks sit in a Gulf Coast lot during storm season. We recommend it on every commercial vehicle.

Yes. Certificates and additional insured endorsements are routine for us. Send us the contract requirements and we'll make sure your policy actually satisfies them before you sign.

Gladly. Send us your current declarations page and we'll tell you plainly where the limits are thin, what's excluded, and whether the price is competitive, even if the answer is that you should stay where you are.