Auto insurance that starts with who drives what.
A daily car, a collector car, a teenager's first car, a company van, a state filing. Each begins with who owns the vehicle, who drives it and how it is used.
A daily driver and a collector car are insured differently.
Collector insurers restrict daily use and review the driver, how the car is used and where it is stored. Storage rules vary; some accept secured, limited-access garages. A collector policy is not a substitute for daily-driver insurance. Some ask for photographs and, occasionally, extra valuation documents. Track days and racing are a separate question, to settle before the event.
For a daily luxury car, the questions are how a total loss is settled, whether repairs use manufacturer parts, and how a car kept at a home in another state is insured.
Everyone who drives regularly belongs on the policy.
Florida DFS warns that undisclosed regular drivers can jeopardize a claim. That includes a teenager who has just started driving and household staff who drive your cars.
Florida requires $10,000 of personal injury protection and $10,000 of property damage liability to register a vehicle; those are legal minimums, not a recommendation for a household with assets behind it. DFS also cautions that everyday shorthand for a complete policy has no fixed meaning, so ask what each coverage pays. How the auto limits sit under a personal umbrella is a Liability question.
Six policies, and what each has to settle.
Your cars first, then your business.
| Policy | What the policy has to settle |
|---|---|
| Personal auto | How a total loss is settled (agreed, stated or actual cash value); who is listed; limits above the state minimum; whether protection against uninsured drivers needs its own selection, since an umbrella may not include it. |
| Classic and collector | Agreed value; use limits; the storage arrangement; photographs or valuation documents; event use. |
| Named non-owner | Liability for a driver with no car of their own. It does not repair the car being driven, and regular access to a household car may belong on the owner's policy instead. Owned cars and regular access must be disclosed. |
| SR22 and FR44 filings | An SR22 is evidence of financial responsibility; an FR44 verifies higher limits; neither is the policy, which is what pays. Florida statute 324.023 sets 100/300/50 for qualifying DUI-related cases, for at least three years; the individual's notice decides the filing, the deadline and how long it lasts. No one can promise reinstatement. |
| Street-legal golf carts and LSVs | A registered low-speed vehicle is titled and carries PIP and property damage liability; a statutory golf cart is a different class. Classification and local road rules decide, not the name; check before buying, converting or driving on public roads. Carts used only in a community are on Recreational. |
| Commercial auto | Who holds title or lease for each vehicle and who actually uses it; the work it does and how far it goes; personal use of company vehicles; how commercial limits fit under a commercial excess; what changes with new vehicles, drivers, delivery work or territory. No fleet is priced from a description alone. |
What to have ready for a conversation is listed once, on Contact.
Speak with Roberto.
Roberto Guerrero · President and Principal Agent · Licensed agent