Auto

Auto Insurance in Florida

Protect your ride, your wallet, and your peace of mind.

Auto insurance in Florida isn’t one-size-fits-all especially with our unique risks like uninsured drivers, storm damage, and high repair costs. Whether you’re commuting daily, driving a weekend car, or insuring a family fleet, it’s important to understand how each party of your policy works before you ever need to use it. We can help you find the best auto insurance in Estero, Naples, and Southwest Florida!

At Ted Todd Insurance, we help you build the right auto insurance policy for your life, your vehicle, and your budget. From legal minimums to full coverage, we’ll walk you through what’s required, what’s recommended, and where you can find real value. 

What Does Auto Insurance Cover?

Auto insured is designed to protect you, your passengers, and your vehicle- whether you’re driving around town or across the state. A well-rounded policy includes several types of coverage that each play a different and important role in how you’re protected after an accident, theft, or unexpected event.

Here’s a simple breakdown of the key coverages and how they work in Florida:

• Liability Coverage (Bodily Injury & Property Damage)- Required in most situations, this protects you if you’re at fault in an accident. It helps cover medical costs, repairs, and even legal fees if you injure someone or damage their property. Florida drivers are often underinsured, so carrying more than the minimum is smart.
• Personal Injury Protection (PIP)- Required in Florida, PIP helps pay for medical expenses, lost wages, and certain other costs after a car accident- regardless of who caused it. It typically covers up to $10,000 in medical costs. In most cases, your health insurance won’t pay until you’ve first gone through your auto policy’s PIP coverage. This is a key part of Florida’s ‘no-fault” insurance system.
• Medical Payments (Med Pay)- This coverage helps pay for medical bills for you and your passengers after an accident. This is optional but a very important coverage. In Florida, most health insurance providers require you to file through your auto insurance first for accident-related injuries, typically up to $10,000. Med Pay can help cover deductibles, co-pays, or expenses that go beyond your Personal Injury Protection (PIP) limit.
• Uninsured/Underinsured Motorist Coverage (UM/UIM)- This coverage protects you and your passengers if you’re hit by a driver who has no insurance or doesn’t have enough insurance to cover injuries. Unfortunately, Florida has one of the highest rates of uninsured drivers in the country, so this coverage is crucial. It can help pay for medical expenses, lost wages, and pain and suffering when the at-fault driver can’t. Without it, you may be stuck covering those costs yourself- even when the accident wasn’t your fault.

Optional Coverages that Matter

While liability and PIP are required in Florida, there are several optional coverages that provide critical protection for your vehicle and peace of mind- especially in high-risk states like ours! Here’s what you may want to consider:

• Collision Coverage- Covers damage to your vehicle if you’re in a covered accident- regardless of who’s at fault. Whether you hit another car, a tree, or a pole, collision coverage helps pay for repairs or replacement. If you lease or finance your car, this coverage is typically required.
• Comprehensive Coverage- Protects your vehicle from a covered non-collision event like theft, vandalism, fire, hail, or storm damage- including hurricanes and fallen tree limbs. This also covers your windshield. This is especially important in Florida, where weather-related claims are common.
• Rental Reimbursement- Helps cover the cost of a rental while your vehicle is being repaired after a covered loss. It’s a small add-on that can make a big difference when you rely on your car daily. 
• Roadside Assistance- Whether it’s a flat tire, a dead battery, or you’ve locked your keys in the car, roadside assistance gets you back on the road fast. It’s an easy way to avoid being stranded in Florida heat (or rain!).