AUTO INSURANCE
Auto insurance protects you from the unexpected, whether it’s an accident, theft, or damage. BetOnYou helps you find the right coverage to suit your needs and budget, including liability, collision, comprehensive, uninsured motorist, personal injury protection (PIP), and more.
We also provide insurance options for other vehicles such as RVs, off-road recreational vehicles (ORV), golf carts, and jet skiis. Drive with peace of mind knowing you’re covered every mile of the way.
Mandatory Coverage
Florida law requires Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers medical expenses for you and your passengers, no matter who’s at fault, while PDL covers damage to someone else’s property.
Additional Coverage to Protect You
Florida doesn’t require Bodily Injury Liability (BIL), but adding it protects you financially if you cause injuries in an accident. Uninsured Motorist Coverage is also recommended to safeguard you against uninsured or hit-and-run drivers.
Optional Coverage for Peace of Mind
Enhance your protection with optional coverages like Collision, which pays for repairs to your car after an accident, and Comprehensive, which covers damages from theft, weather, or other non-collision events. These options give you greater financial security on and off the road.
INSURANCE
AUTO
Florida auto insurance policies must adhere to specific state requirements to ensure all drivers maintain adequate financial responsibility. Key terms and conditions include:
1. Mandatory Coverage:
Personal Injury Protection (PIP): Provides a minimum of $10,000 coverage for medical expenses and lost wages, regardless of fault.
Property Damage Liability (PDL): Requires at least $10,000 coverage for damages caused to another person's property.
2. Continuous Coverage:
Insurance must be maintained without lapse throughout the vehicle's registration period, even if the vehicle is not in use.
3. Proof of Insurance:
Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration.
4. Penalties for Non-Compliance:
Failure to maintain required coverage can result in suspension of driving privileges, vehicle registration, and fines up to $500.
5. Optional Coverages:
Bodily Injury Liability (BIL): While not mandatory, this coverage protects against claims if you're responsible for injuries to others.
Uninsured/Underinsured Motorist Coverage: Offers protection if involved in an accident with a driver lacking adequate insurance.
Collision and Comprehensive Coverage: Provides additional protection for your vehicle against various types of damage.
Learn about our competitive prices
Florida’s auto insurance laws are about to change significantly. Senate Bill 1256 proposes to eliminate the state’s 50-year-old no-fault PIP system, effective July 1, 2026.
Current Requirements (Until July 2026):
- $10,000 PIP (Personal Injury Protection)
- $10,000 PDL (Property Damage Liability) **Proposed New
Requirements (July 2026):
- $25,000/$50,000 Bodily Injury Liability
- $5,000 Medical Payments (MedPay)
- $10,000 Property Damage Liability
This means your health insurance will become your primary medical coverage after an accident, and Uninsured/Underinsured Motorist coverage becomes even more critical.
What should you do now?
Contact us for a free policy review to make sure you’re prepared for these changes.
Required Coverages in Florida
PIP ($10,000)
Covers: Your medical bills (80% of expenses)
Required: Yes
Recommendation: Required minimum
PDL ($10,000)
Covers: Damage to other people’s property
Required: Yes
Recommendation: Increase to $25,000 or more
Strongly Recommended Coverages
Bodily Injury
Covers: Injuries you cause to others
Required: No
Recommendation: Strongly recommended
UM/UIM (Uninsured / Underinsured Motorist)
Covers: When an uninsured driver causes an accident and hits you
Required: No
Recommendation: Essential in Florida
Vehicle Protection Coverages
Collision
Covers: Damage to your car after an accident
Required: No
Recommendation: Yes, especially if your car is financed
Comprehensive
Covers: Theft, weather damage, vandalism, non-collision incidents
Required: No
Recommendation: Yes, especially if your car is financed
Why increase your limits?
Florida has one of the highest rates of uninsured drivers in the U.S.
Nearly 1 in 5 drivers on the road has no insurance, which increases your risk.
Frequently Asked Questions
1. Do I need auto insurance in Florida?
Yes. Florida law requires drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL). Without it, you could face fines or license suspension.
2. What happens if I crash with someone who doesn’t have insurance?
If the other driver is uninsured or underinsured, Uninsured/Underinsured Motorist Coverage can help pay for your medical bills and damages.
3. Can I cancel my auto insurance policy at any time?
Yes, you can cancel your policy, but you must have new coverage in place to stay compliant with Florida law.
4. Is bundling auto insurance with other policies available?
Absolutely! Bundling auto with home, renters, or life insurance can save you money and simplify your coverage.