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How Does Car Insurance Work In Florida?

how does car insurance work in florida

Car insurance works as a protection for your financial well-being and your vehicle in the event of accidents, theft, and other events beyond your control. Depending on your coverages, your car insurance company will pay for car repairs, personal medical expenses, and damages or injuries you cause to another driver. Note, car insurance will not cover general vehicle maintenance or wear and tear.

What Is Car Insurance?

Your car insurance will pay for medical bills if you or your passengers are injured in an accident. Car insurance may also cover damages to your vehicle and protects you financially if you are found at fault for another person's injuries or damages. You also have the option of being covered if you're hit by an uninsured or underinsured driver. All these coverages are set by policy limits you decide on.

Do I Need Car Insurance?

You're required to have auto insurance in every state (except New Hampshire, their laws are a little different). However, every state in the United States has their own laws and regulations on auto insurance. Florida, for instance, requires that you carry Personal Injury Protection and Property Damage only. But just because this is the only requirement for car insurance, doesn't mean it will fit your insurance and financial needs. That's why consulting with an All Motors Insurance agent will guarantee you get the coverages you need.

Driving without insurance in Florida will result in fines, license suspension, and even jail time. Not only can this happen, you are a danger to others if you drive without insurance. Without the proper coverages, you and your property can suffer physically and financially.

What Does Car Insurance Cover?

Your car insurance may cover a variety of accidents that occur on or off the road. Some of these coverages are mandatory by the state of Florida, but others are optional and entirely your choice. These are just some of the standard coverages offered by most auto insurance companies:


This coverage is not required in Florida. With bodily liability, if you are at fault in a car accident, this coverage can pay for damages to other vehicles, objects, and injuries to other drivers and their passengers. It can also cover any lawsuits against you due to an accident. We recommend this coverage to homeowners because it can act as a financial shield for your properties in case of a lawsuit.


This coverage is also not required in Florida. Comprehensive coverage will protect your vehicle against damage from events out of your control. This may include theft, windshield and glass damage, vandalism, falling trees, and more.


Collision is an optional coverage, usually bundled together with comprehensive. Collision covers your car if it overturns or collides with another vehicle or object, including trees, guardrails, and fences. Both comprehensive and collision coverages may be required by financial banks when financing a vehicle.

Personal Injury Protection/Medical Payments

Personal Injury Protection is a mandatory coverage in the state of Florida. Medical payments are optional, and may cover medical bills not fully covered by Personal Injury Protection. However, both can cover medical bills for you and your passengers that are injured in a car accident, regardless of who's at fault.

Property Damage

Property Damage is the second coverage that is required in Florida. This coverage will cover, to a certain extent, the damage you cause to another vehicle or property caused by a car accident.

Uninsured Motorist Bodily Injury

This coverage is optional. Uninsured Motorist BI can pay for injuries caused to you and your passengers when you're hit by a driver with no insurance or not enough coverage.

Other Coverages

These extra coverages are optional, but may be of interest to you for maximum protection. Most car insurance companies provide rental car reimbursement, loan/lease payoff, and roadside assistance.

If you are interested in adding any of these coverages to your current auto insurance policy, give us a call today for a quick quote! If you are insured by Progressive or Infinity, you can add coverages to your policy by calling the company directly or online via their website and app.

What Does Auto Insurance Not Cover?

Your car insurance policy will not cover wear and tear, drivers who are not listed on the policy but drive any vehicle listed, and any incidents while driving for ridesharing platforms (Uber, Lyft, etc.).

How Is Car Insurance Priced?

Insurance companies consider a variety of factors when pricing your auto policy. This includes your age, location, type of vehicle, and driving history. Insurance companies need to evaluate the risks of insuring different types of people and different areas of a state. For example, when a zip code experiences an above average amount of accidents in a certain amount of time, insurance companies will consider increasing premiums in that area to pay for claims.

What Is A Car Insurance Premium?

Your car insurance premium is the amount of money you pay your auto insurance company in exchange for coverage. You usually have the option to pay your premium monthly or in full. Sometimes, insurance companies will offer a discount if you pay your premium in full!

What Is A Car Insurance Deductible?

Your deductible is what you pay out-of-pocket before your insurance company can cover your claim. For example, you have a $500 deductible, hit a pole, and your car repairs cost $2,000. You would have to pay $500 first, and your insurance company will pay the remaining $1,500. You can choose your deductible amount from the options offered by your insurance company. Take note, the higher your deductible, the more of the claim you're responsible for. On the flip side, a higher deductible overall means a lower premium, and vice versa.

How To Get Car Insurance:

If you're in need of car insurance, or want to shop around, there are two easy ways to get a quote with All Motors Insurance. Request a quote online or call your local All Motors office to speak with a licensed agent. Switch to All Motors Insurance and you'll have the benefit of having an expert agent by your side!

Provided by Progressive


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