Auto insurance helps protect you financially if you’re involved in an accident, your vehicle is damaged, or someone is injured while you’re driving. Infante Insurance Group works with a network of carriers to help individuals and families across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore coverage options that fit their vehicle, driving habits, and budget — in English or Spanish.
Coverage Options
A typical auto policy is built from several coverage components. Liability coverage can help address costs if you’re responsible for injuring someone or damaging their property. Personal Injury Protection (PIP) helps cover medical costs for you and your passengers regardless of fault — required on every Florida auto policy. Comprehensive and collision coverage can help with repairing or replacing your own vehicle after events like accidents, theft, or weather damage. Uninsured/underinsured motorist coverage can help if you’re hit by a driver who doesn’t carry enough insurance of their own. Which combination makes sense depends on your vehicle, how you use it, and your personal circumstances.
Who May Need This
This coverage is worth exploring if you own or lease a vehicle registered in Florida, are a new resident titling a car in the state, drive for daily commuting or family use, or want to review how your auto coverage coordinates with your home or other policies. It’s also relevant if you’re insuring more than one vehicle or driver under one household.
Where You're Covered
Florida and Texas structure auto insurance differently, so where you’re titled and driving matters. Florida is a no-fault state, meaning PIP coverage is required on every policy regardless of who caused an accident. Texas is an at-fault state — liability coverage is central, and while insurers must offer PIP, you can decline it in writing. Minimum required coverage levels differ by state and can change, so a licensed agent can confirm what currently applies to you. Dense metro traffic in Miami-Dade, Tampa, Orlando, Houston, and Dallas, plus hurricane season across both Gulf and Atlantic coasts, are also worth factoring into your coverage.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Florida requires registered vehicle owners to carry certain minimum coverages, including Personal Injury Protection (PIP) and Property Damage Liability (PDL). Exact requirements can change, so it’s worth confirming current requirements with a licensed agent.
Often Coordinated Together