AUTO INSURANCE
Auto insurance protects you when the day goes wrong a collision, a theft, a repair you never planned for. We're independent, so we compare six carriers and bring you the coverage that fits how you actually drive, not the one that pays us best.What happens next is what makes the difference.
We call you before every renewal instead of letting it renew itself, we adjust your policy the same day your life changes, andif you ever file a claim, you're calling us not a call center that's usually seeing your file for the first time.
How an Auto Policy is built
Most states require 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.
Not every state requires 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
STATE REQUIREMENTS
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 that vary by state.
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) covers medical expenses and lost wages regardless of fault, where the state requires it. Property Damage Liability (PDL) covers damage caused to another person's property. Minimums vary by state, and we check yours before quoting.
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 If PIP is ever repealed, your health insurance becomes your primary medical coverage after an accident, and Uninsured/Underinsured Motorist coverage becomes even more critical than it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
Still not sure? Call a Bezzure Agent
Yes. Every state requires drivers to carry some form of coverage, though the specific requirements differ. Some states require Personal Injury Protection (PIP), others only liability. Driving without the minimum can mean fines or license suspension — we check what applies where your vehicle is registered.
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 before it ends. A lapse in coverage can lead to fines, a suspended registration, and a higher rate on your next policy. Tell us before you cancel and we'll handle the transition so there's no gap.
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
