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Auto Insurance

Windward Auto Insurance Coverage

Auto liability coverage is required for all drivers in the State of Florida and can help you should an accident occur. Windward Insurance has partnered with some of the best carriers in the nation to bring you reliable and affordable auto liability coverage options to suit your needs and your budget. 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 bodily injury and property damage to others for which you are responsible. Although bodily injury liability (BIL) is not mandatory in Florida, it is important to have, as it protects you in the event of accident should someone be injured due to your negligence, even though we are a No-Fault State.

“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.  Note, due to Florida’s litigious environment, it is wise to carry more than the state required personal injury protection (PIP) and property damage liability (PDL) limits of $10,000 each.

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.


Collision insurance covers any damage you receive from an accident. Although not required, collision insurance is wise addition to your policy.


In the event of an Auto theft, “acts of nature,” or other accidents outside of vehicle damages/collisions are covered by Comprehensive coverage. In Florida, wind & lightning storms, floods, and hurricanes can damage your vehicle, and for these instances damage claims are covered under your comprehensive insurance policy.

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.

Helping You Navigate Insurance

In a sea of options, the Windward Insurance Agency can help you find the right insurance coverage for you and your family. We have cultivated relationships with the top carriers in our State who are ready to provide quotes and options to those we represent. Let us help you navigate insurance, start by getting a quote online or call us today at 866-231-2433 for assistance.