We write auto across the country. Your state’s rules decide what is required; we start there, not with a generic checklist.
Florida is a no-fault state — PIP, property damage, and a bodily-injury gap a lot of people miss. That Palmetto Bay discipline is how we quote every zip: required first, then the coverage that actually protects you.
Florida, specifically
Florida requires PIP and property-damage liability. Bodily injury is not required — and that gap is where a lot of people get hurt. We do not let it pass quietly.
What it typically includes
- Personal Injury Protection (PIP)
- Property damage and bodily injury liability
- Collision and comprehensive
- Uninsured and underinsured motorists
- Roadside, rental, and rideshare endorsements
A good fit if
- Daily drivers nationwide
- New residents and household moves
- Households with teen drivers
- Anyone bundling auto with home