Who governs Florida auto insurance companies?
You may wonder who governs Florida auto insurance companies. The Florida Office of Insurance Regulation (FLOIR) enforces laws that protect consumers and businesses from unfair practices of insurance companies. You can call the office at 1-877-693-5236 to file a complaint against a provider.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Nov 28, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Many Florida drivers may wonder who governs Florida auto insurance companies. The Florida Office of Insurance Regulation, or FLOIR, governs any insurance company engaged in the sales and service of various types of auto insurance policies in the state.
The Florida Office of Insurance Regulation oversees insurance sold to drivers of passenger autos, trucks, vans, pickups, motorcycles, recreational vehicles, all-terrain vehicles, or any motorized land vehicle.
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Who Regulates Auto Insurance Companies in Florida
The Florida Office of Insurance Regulation, or FLOIR, strictly evaluates coverage of hospital, surgical, medical, death, and funeral benefits offered to injured and surviving persons of the auto insurance policy.
The department collects and assesses data from various types of auto insurance policies, including those for repairing vehicles, replacing them, or determining cash value.Brad Larson Licensed Insurance Agent
The department evaluates several varieties of auto insurance for private auto use and coverage. The insurance policies included here assume the insured person and vehicle aren’t rented or used commercially by anyone other than the insured:
- Private passenger auto liability: Liability for property damage or bodily injury incurred by the insured vehicle
- Private passenger auto no fault: Personal injury protection (PIP) auto insurance
- Private passenger auto physical damage: Includes collision damage, comprehensive coverage, or other coverage concerning the insured vehicle
The department evaluates Florida auto insurance policies for businesses underwritten or marketed in the state. These policies insure vehicles with loads of 1,500 or more; four or more vehicles; auto dealers, repair shops, garages, public parking businesses; and service stations:
- Commercial auto liability: Includes property damage, medical, and bodily injury, and other miscellaneous items
- Commercial auto physical damage: Includes collision auto insurance, miscellaneous coverage, and comprehensive auto insurance
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How to Learn More About Florida Auto Insurance Companies
FLOIR offers access to various searchable databases to help auto insurance policyholders and businesses understand the particulars of insurance companies operating in the state of Florida.
Individuals may request information from the Department of Financial Services, OIR Database (to learn if the insurance company may legally operate in Florida, and license information), Rate/Form filing search, and NAIC Company Search (complaint/financial information search).
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Frequently Asked Questions
Who is the primary regulator of insurance companies in Florida?
The Florida Office of Insurance Regulation (FLOIR) governs any insurance company engaged in the sales and service of auto insurance policies in the state. FLOIR enforces laws that protect consumers and businesses from unfair practices of insurance companies.
Who is in charge of Florida’s insurance department?
Michael Yaworsky currently serves as the commissioner of the Florida Office of Insurance Regulation.
Does the Florida Office of Insurance Regulation provide additional information to Florida drivers?
Yes, the FLOIR offers access to various searchable databases to help consumers and businesses understand insurance companies operating in Florida. These databases include information on company licensing, rate and form filings, and complaint/financial information searches.
How do I file a complaint against an insurance company in Florida.
You can file a complaint with Florida’s insurance department, known as FLOIR, by calling 1-877-693-5236.
Can you sue an insurance company directly in Florida?
In Florida, you can file a civil lawsuit against your auto insurance company if they break a contract or unfairly deny a claim.
Can the Florida Office of Insurance Regulation assist me in finding an auto insurance policy?
The primary role of the Florida Office of Insurance Regulation is to regulate and oversee insurance companies, but they can provide information on licensed insurers in the state. However, for finding an auto insurance policy, it’s recommended to work with an insurance agent or broker.
Are there any requirements for auto insurance coverage in Florida?
Yes, Florida law requires drivers to carry minimum auto insurance coverage, including personal injury protection (PIP) coverage and property damage liability coverage. It’s important to comply with these requirements to legally drive in the state.
Does the Florida Office of Insurance Regulation offer assistance for insurance fraud investigations?
Yes, the Florida Office of Insurance Regulation has a dedicated division called the Division of Insurance Fraud that investigates insurance fraud cases. If you suspect insurance fraud, you can report it to the Division for further investigation.
What are the laws for auto insurers in Florida?
FLOIR oversees auto insurance rules relating to insurance companies operating in the state, including:
- Florida 690-170 (relating to property & casualty insurance company rating)
- Florida 690-175 (vehicle insurance); Florida 690-176 (requirements of vehicle insurance)
- Florida 690-125.004 (Use of credit reports and disclosures concerning insurance applications)
- Florida 690-142.002 (complaint ratios of insurance companies)
- Florida 690-142.011 (insurance penalty guidelines)
- Florida 690-167.001, .002, .004, .004, and .010 (property & casualty contracts in Florida)
- Florida 690-171.005 and 171.008 (property & casualty insurance reporting)
What are Florida’s primary laws and statutes?
FLOIR enforces statutes and laws that protect consumers and businesses from unfair practices of insurance companies in the state of Florida, including references in:
- Chapter 624 Part III (general requirements of insurers and authorizations of insurers)
- Chapter 624 Part V (limits of auto insurance and risk; reinsurance)
- Chapter 626 Part II; Chapter 626 Part IX (unfair trade practices of insurance sellers)
- Chapter 627 Part I (rating organizations and rates of insurance companies)
- Chapter 627 Part II (insurance contract); Chapter 627 Part XI (casualty insurance and motor vehicles)
- Chapter 627 Part XVI (financing insurance premiums)
- Chapter 627 Part XVII (insurance company reporting requirements)
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.