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Automobile Insurance



Overview

Automobile insurance is coverage for motorized land vehicles (e.g., passenger type automobiles, pickups, vans, trucks and motorcycles). The coverage can include loss or damage to the vehicle itself (evaluated at replacement or repair damage cost, actual cash value, or agreed value). It can also include loss, liability, or expense as a result of ownership, maintenance or use of any such vehicle. The coverage also includes medical, hospital and surgical benefits to injured persons, funeral and death benefits to survivors irrespective of legal liability if incurred while in, upon, entering into, alighting from, or being struck by a vehicle if such coverage is issued as part of a liability insurance contract.

There are several types of automobile insurance for private passenger automobile coverage (where natural persons are named the insureds and the vehicle is not used as a livery or rented to others):

  • Private Passenger Auto No-Fault (Personal Injury Protection or PIP)
  • Private Passenger Auto Liability (Liability  of the insured for Bodily Injury or Property Damage inflicted and other coverages not involving damage to the vehicle itself)
  • Private Passenger Auto Physical Damage (Comprehensive, Collision, and miscellaneous other coverages involving damage to the vehicle itself)

There are also automobile policies for commercial entities (businesses). These include policies insuring vehicles with load capacities over 1,500 pounds, insuring more than four vehicles, garages, automobile dealers, repair shops, service stations and public parking places:

  • Commercial Automobile Liability (Liability of the insured for Bodily Injury or Property Damage inflicted, Medical Payments, other coverages not involving damage to the vehicle itself)
  • Commercial Auto Physical Damage (Comprehensive, Collision, and miscellaneous other coverages involving damage to the vehicle itself)


Statutes, Rules, & Legislative Changes

Auto Legislative Changes

Title Type Size
OIR-B1-11: Voluntary Private Passenger Non-Fleet Automobile Insurance In-Force Policy Count Reporting xls 352 KB Download OIR-B1-11: Voluntary Private Passenger Non-Fleet Automobile Insurance In-Force Policy Count Reporting
OIR-B1-1149: Notification of Personal Injury Protection Benefits pdf 46 KB Download OIR-B1-1149: Notification of Personal Injury Protection Benefits
OIR-B1-1571: Standard Disclosure and Acknowledgement Form doc 48 KB Download OIR-B1-1571: Standard Disclosure and Acknowledgement Form
OIR-B1-1773: Certification Of Medical Services or Care Lawfully Provided, Supervised, Ordered or Prescribed Pursuant to Section 627.736(1)(a), Florida Statutes pdf 23 KB Download OIR-B1-1773: Certification Of Medical Services or Care Lawfully Provided, Supervised, Ordered or Prescribed Pursuant to Section 627.736(1)(a), Florida Statutes
OIR-B1-1809: Health Care Provider Certification of Eligibility for PIP Benefits pdf 57 KB Download OIR-B1-1809: Health Care Provider Certification of Eligibility for PIP Benefits
OIR-B1-307: Private Passenger Automobile Excessive Profits Report xls 39 KB Download OIR-B1-307: Private Passenger Automobile Excessive Profits Report
OIR-B1-505: Notice of Mandatory Pre-Insurance Inspection Requirement pdf 15 KB Download OIR-B1-505: Notice of Mandatory Pre-Insurance Inspection Requirement
OIR-B1-507: Florida Motor Vehicle Pre-Insurance Inspection Form pdf 28 KB Download OIR-B1-507: Florida Motor Vehicle Pre-Insurance Inspection Form
OIR-B1-508: Acknowledgement of Requirement for Pre-Insurance Inspection pdf 12 KB Download OIR-B1-508: Acknowledgement of Requirement for Pre-Insurance Inspection
OIR-B1-584: Annual Rate Filing Exemption pdf 88 KB Download OIR-B1-584: Annual Rate Filing Exemption
OIR-B1-586: Annual Rate Filing Certification and Transmittal pdf 22 KB Download OIR-B1-586: Annual Rate Filing Certification and Transmittal