Personal auto coverage that protects you, your passengers, and your vehicle — whether you're on I-95 or Calle Ocho.
Overview
Auto insurance is required by law in Florida, but the minimum state requirements often aren't enough to fully protect you in the event of a serious accident. Miami's busy roads, high traffic density, and significant uninsured driver population make comprehensive auto coverage more important here than almost anywhere else in the country. Diaz Risk Advisors shops multiple carriers to find you the right combination of coverage and price.
Why It Matters
Florida has one of the highest rates of uninsured drivers in the nation. Without uninsured motorist coverage, you could be left paying out of pocket after an accident caused by someone with no insurance. We make sure your policy covers the gaps that Florida's minimum requirements leave wide open.
Is This Right for You?
Individual drivers and families in Miami-Dade
New Florida residents transferring out-of-state coverage
Young drivers getting their first policy
Drivers with multiple vehicles looking to bundle
High-value vehicle owners needing agreed-value coverage
Drivers with a lapse in coverage needing to reinstate
Common Questions
Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums are rarely enough to cover a serious accident — we recommend higher limits for real protection.
Miami has high traffic density, a large uninsured driver population, and significant fraud rates — all of which drive up premiums. As an independent agency, we shop across dozens of carriers to find you the most competitive rate available.
Yes — a multi-vehicle policy typically saves you money compared to insuring each car separately. We'll find the best multi-car discount available across our carrier network.
Collision covers damage from accidents with other vehicles or objects. Comprehensive covers non-collision events like theft, vandalism, hurricanes, flooding, and animal strikes. Both are recommended for most drivers in South Florida.
As an independent agency, we shop multiple carriers to find you the best rate. No obligation — just honest advice.
Hablamos Español · Serving Miami-Dade Since 2006