Can I buy separate policy for my child?
If a household member has their own auto insurance policy, you still need to disclose them.Excluding drivers: Florida law allows you to exclude specific household members from your policy (e.g., a teen with a poor driving record). This requires written consent and listing the excluded driver on the policy’s declarations page. However, if an excluded driver operates your vehicle, any claims will be denied, and you could face financial liability
I am driving for Uber. Do I need to Disclose?
Most standard personal auto insurance policies exclude or limit coverage for commercial activities, like transporting passengers for pay. If you don't tell that you're driving for Uber or Lyft etc and get into an accident while the app is on (even if waiting for a ride), they could deny your claim, citing non-disclosure of material information.
What is Gap Insurance? Do I need it?
You buy a $30,000 car with a small down payment, owing $28,000. A year later, it's worth $22,000 but you still owe $25,000. If totaled, regular insurance pays ~$22,000; gap covers the $3,000 difference (minus deductible).
You likely need/want it if:You made a small down payment (<20%). Your loan term is long (60+ months).
Do I need Full Coverage Auto Insurance?
If you have a loan or lease, lenders require full coverage to protect their investment in the vehicle. If the car is totaled or stolen, collision/comprehensive ensures the lender gets paid off.If your car is new or valuable full coverage prevents major financial loss.
What is No-Fault Coverage in Florida
After a car accident, your own PIP coverage pays for your (and certain others') medical expenses and related costs first, without needing to prove who caused the crash.
Does Windshield Replacement Increase Insurance Rates?
Florida law (Statute §627.7288) mandates zero deductible for windshield repairs/replacements if you have comprehensive coverage—making it essentially "free" out-of-pocket.
Can I Purchase Insurance Cheaper Online?
You may find a little lower rate if you are a first time client however, it’s almost true every single time that we as an independent agent can find cheaper options for your renewal.
Can I buy insurance with foreign drivers licence
You can drive legally in Florida with your foreign license (no time limit specified for pure tourists, but generally accepted).
Some of our insurers accept policies with a valid foreign license.
Do Claims Affect Premiums?
Filing insurance claims can affect your auto insurance premiums in Florida, but it depends on the type of claim, fault, and your insurer's policies.
Do I have to Report Every Member in My Family.
All household residents 15 years of age or older, all regular drivers of the vehicles and all children who live away from from home who drive the vehicles, even occasionally, must be disclosed on the application.
Per Florida Statute 817.234(1)(b), any person who knowingly and with intent to injure, defraud or deceive any insurrer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degreee.
