Auto Insurance

Auto insurance isn’t just something you’re required to have, it’s protection for your life, your family, and your financial future. At Emily Blizzard – American Family Agency, we help Florida drivers find the right auto insurance coverage that fits their needs and gives them peace of mind out on the road.

Florida law requires every driver to carry Personal Injury Protection (PIP) and Property Damage Liability insurance. PIP helps cover your medical bills and some lost wages if you’re hurt in an accident, no matter who caused it, and property damage liability helps pay for damage you cause to someone else’s car. But those minimums alone often aren’t enough for real-world crashes.

Florida is often called a no-fault state, but that doesn’t mean everyone escapes responsibility or that nothing is anyone’s fault in an accident. What it actually means is that, for your own injuries, you first file with your own insurance (PIP) regardless of who caused the crash. Fault still matters for things like liability if someone else caused the accident, who pays for property damage, and whether you can seek additional compensation in serious injury cases.

PIP has limits, and even if the other driver is at fault, if they don’t have enough insurance, you could be left holding the bill. That’s exactly why uninsured and underinsured motorist coverage is so strongly recommended here in Florida.

Customize Your Coverage to Fit Your Life

We’ll help you choose auto insurance options that reflect your situation, including:

• Uninsured and underinsured motorist coverage

• Liability limits that protect your assets

• Collision and comprehensive options

• Discounts for safe driving and policy bundling

Getting the right coverage doesn’t just keep you legal, it gives you confidence every time you get behind the wheel.