WELCOME
Letter from the CFO
Consumer Services Helpline
Service Offices
SiteMap

COVERAGES
Basic Insurance Requirements
Optional Coverage
Special Cases
DHSMV Requirements

PREMIUMS
Factors that Affect Premiums
Discounts and Surcharges
Premiums

POLICIES
Cancellation, Nonrenewal, Policy Transfer
Before and After Accidents

CONSUMER INFO
Selecting Agents & Companies
Protecting Your Privacy
Community Outreach Programs

Glossary

Consumer Services Helpline

You can obtain this guide in alternate formats such as print, large print, or audio recording, or recording by calling our consumer helpline.

Or, if you have an Insurance question or problem, call the

Telecommunications Device for the Deaf (TDD) users should call
1-800-640-0886

Browse the Florida Department of Financial Services Web site at

www.myfloridacfo.com

NOTE: Most insurance rates and forms in Florida are regulated by the Office of Insurance Regulation. Although it is administratively housed within the Department of Financial Services, OIR is a separate entity that reports to the Florida Cabinet. Because DFS handles consumer-related insurance matters, only DFS is mentioned throughout this publication. Consumers should remember that DFS is their point of contact for all insurance problems and questions.

The Florida Department of Financial Services Distributes this guide for educational purposes only; it does not constitue an endorsement for any service, company, or person offering any product or service.

Copyright 2006 Florida Department of Financial Services.