Why state-minimum coverage leaves you exposed
Florida is a no-fault state, and it consistently ranks among the states with the most uninsured drivers on the road. If you're seriously injured by a driver carrying no coverage — or the state minimum — uninsured motorist coverage is what stands between you and paying your own medical bills. It's the single most important coverage most Florida drivers don't have enough of. We'll show you what each tier costs side by side; the difference is usually smaller than people expect.
What we look at when we build your auto policy
- Bodily injury liability — protects your assets if you injure someone (not required by FL minimums, strongly recommended)
- Uninsured/underinsured motorist — protects your family from drivers who carry nothing
- Collision & comprehensive — your vehicle, including hurricane and flood damage to the car itself
- Medical payments & PIP — required and supplemental medical coverage
- Rental & roadside — the conveniences that matter mid-claim
Bundle your home and auto — and actually save
Pairing your auto policy with your Wellen Park homeowners coverage is usually the fastest discount available — and it puts your whole insurance picture in one local office. One team, one renewal conversation, one phone number that a real person answers. Snowbirds and seasonal residents: ask us about how to handle vehicles that sit for part of the year.
Frequently Asked Questions
What auto insurance is legally required in Florida?
Florida requires $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). Notably, bodily injury liability is not required at these minimums — which is why we almost never recommend stopping there.
Is uninsured motorist coverage worth it in Florida?
We think it's among the most important coverages in the state. Florida has one of the nation's highest rates of uninsured drivers, and UM coverage protects you and your passengers when the at-fault driver can't.
Will bundling home and auto actually save money?
In most cases, yes — multi-policy discounts are typically among the largest available, and bundling simplifies claims and renewals. We'll quote it both ways and show you the difference.
Does my auto policy cover hurricane damage to my car?
Flood and storm damage to vehicles falls under comprehensive coverage — not your homeowners or flood policy. If you carry liability-only, your car has no storm protection.
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