Automobile Insurance
Automobile insurance financially protects you if your vehicle is damaged or stolen or there is injury involving your insured vehicle. Essentially, automobile insurance is a contract between you, as the policyholder, and the insurance company. In exchange for your paying an insurance premium, the insurance company agrees to pay your losses as outlined in your policy.
Automobile insurance provides coverage for:
- Property – such as damage to or theft of your vehicle
- Liability – your legal responsibility to others for bodily injury or property damage
- Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
Review the resources below to learn more about auto insurance.
Automobile Insurance Consumer Education Materials
Applying for Auto Insurance - What You Need to Know
Office of the Insurance Consumer Advocate Consumer Guide
A comprehensive guide of everything you need to know when obtaining automobile insurance: completing an application for insurance, required information, required and optional coverages, deductibles and answers to common questions to help guide you through the process from start to finish.
Automobile Insurance Toolkit
Department of Financial Services' Division of Consumer Services' Guide
This comprehensive toolkit outlines the automobile insurance coverage you must have as a Florida resident and describes your coverage options. The toolkit also provides guidance on shopping for automobile coverage, the underwriting process and actions to take before and after an accident.
Filing An Auto Claim
Department of Financial Services' Division of Consumer Services' Guide
This brochure provides a brief overview of the the steps to take when filing an auto claim from the initial accident and contacting law enforcement to resolving your claim with a claim settlement.
Mediation Program - Automobile Insurance Claim Disputes
Department of Financial Services' Division of Consumer Services' Guide
The Department of Financial Services stands ready to assist consumers who are having difficulty getting auto insurance claims resolved. Mediation is a voluntary, pre-suit process that allows you to meet with the insurance company in an informal setting (conference) with a certified, neutral mediator to assist in resolving your claim.
Automobile Insurance Resources
Department of Financial Services, Division of Consumer Services
Florida Department of Highway Safety and Motor Vehicles
Full Coverage: Your Directory of Insurance Resources
Contact Your ICA
Florida's Insurance Consumer Advocate
Office of the Insurance Consumer Advocate
200 East Gaines Street, Tallahassee, FL 32399
Phone: (850) 413-5923
Email: YourFLVoice@MyFloridaCFO.com
