WELCOME
Letter from the CFO
Consumer Services Helpline
Service Offices
SiteMap

COVERAGES
Basic Insurance Requirements
Optional Coverage
Special Cases
DHSMV Requirements

PREMIUMS
Factors that Affect Premiums
Discounts and Surcharges
Premiums

POLICIES
Cancellation, Nonrenewal, Policy Transfer
Before and After Accidents

CONSUMER INFO
Selecting Agents & Companies
Protecting Your Privacy
Community Outreach Programs

Glossary



BACKHOMENEXT

Welcome

Dear Consumer,

The need for insurance is a fact of life in many situations. Knowing how our insurance policies work, in addition to having the correct type and amount of insurance, can help us recover financially when we experience such things as illnesses, car accidents, natural disasters or even death. And since the insurance industry and insurance policies often change, it’s essential to be aware of new developments. The Florida Department of Financial Services publishes a variety of printed consumer guides to help you with this task. They include:

  • Automobile Insurance
  • Health Insurance
  • Small-Business Owners’ Insurance
  • Life Insurance and Annuities
  • Insuring Your Home
  • Health Maintenance Organizations
  • Long-Term Care and Other Options for Seniors
  • Medicare Supplement Insurance

Each guide contains basic information, definitions of common terms, and tips on selecting an insurance agent and company. You can have any of our printed guides sent to you by calling the Florida Department of Financial Services Consumer Helpline toll-free at 1-800-342-2762. You may also download .pdf versions of these documents at http://www.myfloridacfo.com/Consumers/publications.htm. For availability of Spanish versions of these guides, please check the Web site.

If you have questions after reading this guide, please call our Consumer Helpline toll-free at 1-800-342-2762 between 8 a.m. and 5 p.m. (Eastern time) Monday through Friday. The hearing impaired may use a TDD to call 1-800-640-0886 during these hours. You may also contact the service office in your area.

Sincerely,


Alex Sink
Chief Financial Officer
State of Florida