AUTO INSURANCE
Auto insurance protects you from the unexpected, whether it's an accident, theft, or damage. Bezzure 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 skis.
How an Auto Policy is built
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.
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.
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.
Coverage Comparison
FLORIDA REQUIREMENTS
Florida auto insurance policies must adhere to specific state requirements to ensure all drivers maintain adequate financial responsibility.
Failure to maintain required coverage can result in suspension of driving privileges, vehicle registration, and fines up to $500.
Insurance must be maintained without lapse throughout the vehicle's registration period, even if the vehicle is not in use.
Drivers must carry proof of insurance and present it upon request by law enforcement or during vehicle registration.
Personal Injury Protection (PIP) provides a minimum of $10,000 for medical expenses and lost wages, regardless of fault. Property Damage Liability (PDL) requires at least $10,000 for damage caused to another person's property.
Bodily Injury Liability protects against claims if you're responsible for injuries to others. Uninsured/Underinsured Motorist offers protection in an accident with a driver lacking adequate insurance. Collision and Comprehensive protect your own vehicle.
PIP IS STILL MANDATORY IN FLORIDA
Why this matters to you. If PIP is ever repealed, your health insurance becomes your primary medical coverage after an accident, and Uninsured/Underinsured Motorist coverage becomes even more critical than it already is. We track every session and will tell you before anything changes.
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
PIP remains mandatory for most vehicles registered in Florida.
Bodily Injury Liability
Medical Payments (MedPay)
Property Damage Liability
Senate Bill 1256 would have repealed PIP as of July 1, 2026. It died in committee in June 2025. A similar bill, SB 522, also died during the 2026 session.
FREQUENTLY ASKED QUESTIONS
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.
If the other driver is uninsured or underinsured, Uninsured/Underinsured Motorist Coverage can help pay for your medical bills and damages.
Yes, you can cancel your policy, but you must have new coverage in place to stay compliant with Florida law.
Absolutely. Bundling auto with home, renters, or life insurance can save you money and simplify your coverage.
Tell us what you drive and our team will compare your options and come back with the right coverage for your budget
