Personal Auto Insurance
Real Protection for Florida Drivers
Driving in Florida comes with unique risks—busy roads, hurricanes, uninsured drivers, and frequent claims. LIG Specialty Insurance offers local, hands-on guidance to help families and business owners stay protected. As a boutique, family-run agency, we deliver personal attention and honest advice—never just a price quote.
We often provide auto insurance as part of a complete solution for our business clients, helping them cover both their business vehicles and personal cars—all with one trusted team.
What Does Personal Auto Insurance Cover?
Liability Coverage
Pays for injury or property damage to others if you’re at fault—required by Florida law, but higher limits are strongly recommended due to the state’s high accident and lawsuit rates.
Personal Injury Protection (PIP)
Required for all Florida drivers, covering medical expenses for you and your passengers, regardless of fault.
Uninsured/ Underinsured Motorist
Protects you if you’re hit by a driver who has little or no insurance—a common risk in Florida.
Comprehensive & Collision
Covers your own vehicle for theft, vandalism, hurricanes, flooding, or collision damage.
Roadside Assistance & Extras
Optional add-ons for towing, rental cars, and lockout help—especially helpful during storm season.
We help you understand every option, recommend what makes sense for your needs, and review your coverage regularly—so you’re always protected as life changes.
Who Needs Personal Auto Insurance?
Personal auto is essential for:
- Families and individuals who want local support and fast claims help
- Business owners looking to cover their own vehicles with the same agency that manages their commercial policies
- Anyone moving to Florida—we help you transfer coverage and navigate state requirements
- Drivers with growing families, new cars, or changing needs who want a review, not just a renewal
LIG makes switching or bundling simple—and we’re always ready with real answers when you need them.
Florida-Specific Considerations
- No-Fault State: Florida law requires PIP, but state minimums are often not enough in real-world claims.
- Hurricane & Flood Exposure: Comprehensive coverage is key for protecting against Florida’s weather.
- High Rate of Uninsured Drivers: Uninsured motorist coverage is especially valuable here.
- Frequent Claims: Claims and fraud rates are higher than most states, making personal service and advocacy critical for fast, fair settlements.
We help you avoid common pitfalls, understand state rules, and stay prepared—no matter what the Florida roads bring.
Personal Auto vs. Commercial Auto Insurance
- Personal Auto: Covers personal commuting, errands, and family use. Not designed for regular business driving or company vehicles.
- Commercial Auto: Covers vehicles used primarily for business—see our dedicated page if you use your car for work, deliveries, or as part of your business fleet.
If you’re not sure which policy you need, we’ll walk you through the details.
Frequently Asked Questions – Personal Auto Insurance
Can I bundle my auto with my home or business insurance?
Yes—bundling often saves money and makes coverage management easier. We coordinate all your policies for you.
Is PIP enough in Florida?
PIP is required, but most clients need more liability and uninsured motorist coverage for full protection.
Can I get same-day coverage or proof of insurance?
Absolutely—most policies can be started or updated right away.
What makes LIG different from big-name insurance companies?
You get a small, experienced team who knows your name, answers the phone, and advocates for you—not a call center or generic website.
Ready for Better Auto Insurance?
Let’s review your coverage and keep you protected on Florida’s roads—always with guidance from a team that treats you like family.