What Florida requires
Every registered vehicle in Florida must carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). That minimum keeps you legal, but it rarely covers a serious accident. We walk you through bodily injury liability, uninsured motorist, collision and comprehensive so you can decide what makes sense for your car and your budget.
Texas drivers too
We also serve drivers in Texas, where the minimum liability limits are 30/60/25. Same process: we compare options and explain the difference before you choose.
How we help
Tell us your vehicle, drivers and current coverage. We shop it with multiple carriers, show you the options side by side, and stay with you for changes, new cars, new drivers and claims — by phone or WhatsApp, in English or Spanish.
Frequent questions
Is PIP enough in Florida?
PIP is the legal minimum together with property damage liability, but it does not pay for injuries you cause to others. Most drivers add bodily injury liability and uninsured motorist coverage. We explain each one before you decide.
Can I get a quote in Spanish?
Yes. Vannessa is bilingual and can explain every coverage in English or Spanish, by phone, WhatsApp or email.
Do you only work with one insurance company?
No. VC Smart Solutions is an independent agency, so we compare several carriers instead of selling a single company's policy.