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Being independent means we are not defending one company's price. If your current carrier raises your Hollywood rate at renewal, we re-shop the whole market and move you if a better option exists.
Florida requires $10,000 PIP and $10,000 property damage liability. We usually recommend more, especially uninsured-motorist coverage, because Broward has a meaningful share of drivers carrying no insurance at all.
What Does Car & Auto Insurance Cover?
- Personal Injury Protection (PIP) — Covers medical expenses and lost wages regardless of fault. Required by Florida law ($10,000 minimum).
- Property Damage Liability (PDL) — Pays for damage you cause to other people's property. Required in Florida ($10,000 minimum).
- Bodily Injury Liability (BIL) — Covers injuries to others when you're at fault. Strongly recommended even though not always required.
- Collision & Comprehensive — Collision covers damage from accidents; comprehensive covers theft, vandalism, weather, and animal strikes.