By The Isom Insurance Group
If you live and drive in Florida, you’ve probably heard all sorts of “facts” about auto insurance — from what’s covered to what’s required by law. The problem? A lot of these so-called facts are myths that could cost you money, leave you underinsured, or even get you in legal trouble.
At The Isom Insurance Group, we believe knowledge is your best policy. Let’s bust five of the most common Florida auto insurance myths so you can drive with confidence.
1. “Florida Only Requires Full Coverage”
The Truth: Florida law actually requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) — not “full coverage.” The term “full coverage” is a vague industry nickname and doesn’t mean the same thing for everyone.
Why It Matters: If you think you have “full coverage” but don’t carry comprehensive or collision, you may not be covered if your own car is damaged in an accident, stolen, or hit by a storm.
2. “Red Cars Cost More to Insure”
The Truth: The color of your car does not affect your insurance rate. Insurers care about make, model, year, safety features, and repair costs — not the paint job.
Why It Matters: Don’t let color myths influence your car choice. If you love that red convertible, buy it — your rate won’t change just because of the color.
3. “PIP Covers Everything After an Accident”
The Truth: Florida’s PIP covers 80% of medical expenses and 60% of lost wages up to $10,000, regardless of fault. It does not cover everything, and it won’t pay for vehicle repairs.
Why It Matters: If your medical bills or lost income exceed PIP limits, you’ll need additional coverage — like bodily injury liability, medical payments, or uninsured motorist protection.
4. “Older Cars Don’t Need Collision Coverage”
The Truth: Whether to carry collision coverage depends on your car’s value and your financial comfort level — not just its age. Some older vehicles still have high market value.
Why It Matters: Dropping collision coverage might save you money on premiums, but if your car is totaled and you can’t afford to replace it, the savings may not be worth the risk.
5. “All Insurance Companies Are the Same”
The Truth: Every insurance carrier has different rates, coverage options, discounts, and customer service standards.
Why It Matters: Working with an independent agency like The Isom Insurance Group means we can shop multiple top-rated carriers — including Geico, Progressive, Travelers, The Hartford, and more — to find your best fit.
The Bottom Line
When it comes to auto insurance, the wrong information can leave you underinsured or paying more than you should. At The Isom Insurance Group, we’re here to help Florida drivers cut through the confusion and get coverage that truly meets their needs.
📞 Call/Text Us Today: 863-535-6903
🌐 Visit: www.isominsurancegroup.com
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