Helping You Navigate Auto Insurance

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Get on the Road With the Right Coverage

Put Your Auto Insurance Coverage on Autopilot

Florida requires all drivers in the Sunshine State to maintain some form of auto liability insurance for each vehicle they own. To ensure your safety as you buckle up, Windward has teamed up with some of the best auto insurance carriers in the nation to bring you reliable and affordable auto liability coverage options that don’t hurt your wallet.

Let the Windward Insurance Agency plot the right course in search of the auto insurance coverage you seek.

What’s Covered?

In addition to liability coverage, here are some additional coverages you should become familiar with before purchasing your next auto policy:

Liability Coverage

Liability coverage pays for bodily injury and property damage caused to others when you are deemed responsible for an accident. Despite Florida being a “No-Fault State” accident responsibility is assessed by the responding officer and the at-fault driver can be sued for thousands of dollars, therefore Bodily Injury Liability (BIL) is important to have to save you money in the long run.

"No Fault" State

Florida is considered a “No-Fault” state, meaning in the event of an accident each person pays for their own expenses, regardless of who is at fault. However, if damages are excessive and more than what the policy covers, you can be sued for damages.

Personal Injury Protection (PIP)

The purpose of PIP insurance is to cover medical expenses and other costs such as lost wages. This coverage is often referred to as “no-fault” coverage, as it covers and pays out claims on accidents regardless of who is at fault. Additionally, PIP is for the purpose of defending yourself against minor lawsuits requiring additional funds to pay for damages should you be responsible.

Bodily Injury Liability (BIL)

Bodily Injury Liability covers injuries someone may receive as a result of a car accident.  Once again, Florida is a no-fault state however, you could still be sued for injuries if your PIP insurance doesn’t cover it.


Collision insurance covers damage sustained due to an auto accident to your covered vehicle.


Auto theft, “acts of nature,” or other accidents outside of vehicle damages/collisions are covered by Comprehensive coverage.

Uninsured / Underinsured Motorist

Uninsured Motorist coverage covers you in an accident with a motorist who has no insurance or is underinsured.

Loss of Use

This coverage provides a rental car when a loss occurs; this coverage is usually limited to a daily dollar amount

All-Terrain Vehicles: Tough and Rough

For those who prefer wide open spaces and land bound activities, our State lends itself to exploring and traversing rugged terrain, which is prefect for All-Terrain vehicles. All-Terrain Vehicles or (ATVs) can be dangerous and expensive to replace when damaged. Owners of such vehicles should consider purchasing ATV insurance in the event of loss and to ride in State parks as required by Florida law.
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Frequently Asked Questions

Find all the answers to your questions here.
Is auto insurance required in the state of Florida?
Yes, Florida law requires all vehicle owners have auto insurance – even if the vehicle is paid in full. Individuals do have the option to exclude physical damage coverage if the vehicle is owned outright.
What are the basic coverage limits allowed by Florida law?
The State of Florida requires any vehicle with a current Florida registration to be insured with PIP and PDL insurance at the time of vehicle registration with:
Minimum of $10,000 in PIP (Personal Injury Protection)·
Minimum of $10,000 in PDL. (Property Damage Liability Protection)
Although BIL (Bodily Injury Insurance) insurance is not required it is highly recommended in Florida, as is protects you in the event your negligence causes someone to be injured or killed in an accident.

Our Insurance Services for Every Scenario

You need plenty of coverage options to accompany your lifestyle. That’s where we come in.