Florida requires property damage liability and personal injury protection, and those legal minimums are far below what an at-fault accident actually costs. Florida is also a no-fault state, which changes how injury claims are paid and surprises most people who moved here from elsewhere.
Covers bodily injury and property damage to others if you are at fault in an accident. This coverage is typically required by law in most states.
Helps pay for repairs to your vehicle after an accident, regardless of who is at fault. This ensures that your car is repaired quickly and efficiently.
Protects against damages to your vehicle caused by non-collision incidents, such as theft, vandalism, or natural disasters.
Provides protection if you are involved in an accident with a driver who does not have adequate insurance to cover the damages.
Covers medical expenses for you and your passengers in the event of an accident, regardless of fault.
Beyond the legal minimum, the coverages that matter most in Florida are uninsured motorist and bodily injury liability. Florida has one of the highest uninsured driver rates in the country, and uninsured motorist coverage is what pays when the other driver cannot.
Comprehensive coverage handles the things that are not collisions and are common here: flooding, falling debris, hail, theft, and storm damage while the car sits in the driveway.
Premiums are influenced by several factors, including your driving history, the type of vehicle you drive, your location, and the coverage limits you select.
At Wolf Insurance, we are dedicated to providing you with comprehensive auto insurance solutions that keep you protected on the road. Contact us today for a free quote and let us help you drive with confidence!
Auto insurance is a contract between you and the insurance company that provides financial protection against physical damage and bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.
We write standard and non-standard auto, so a licence gap, an accident, or thin credit does not end the conversation the way it does at a captive agency. Because the household's home and flood are usually with us as well, the auto is rated with the rest of the file in view, and nobody asks you the same question twice.
Yes! Discounts may be available for safe driving, bundling policies, or having certain safety features in your vehicle.
Ensure everyone is safe, contact the police, gather information, and notify your insurance agent as soon as possible.
Flood zone, county taxes and insurance in about a minute. No account needed to start.