Florida's no-fault laws, high uninsured driver rates, and seasonal traffic make auto insurance more complex than most people realize. Bruno shops multiple carriers to find the right coverage for your vehicles — personal or commercial — throughout Collier and Lee County.
What It Covers
Florida auto insurance has specific requirements and common pitfalls. Understanding each coverage type helps you make informed decisions — and avoid being underinsured when it matters most.
Personal Injury Protection — Florida's no-fault requirement. Pays 80% of your medical bills and 60% of lost wages up to $10,000, regardless of who caused the accident.
Pays for injuries or property damage you cause to others. Florida minimum ($10K PDL) is dangerously low. Higher limits protect your personal assets if you're at fault in a serious accident.
Florida has one of the highest uninsured driver rates in the US — up to 26%. UM/UIM coverage protects you when the at-fault driver has no insurance or not enough. This is often the most critical coverage you can carry.
Comprehensive covers theft, vandalism, weather damage, and animal strikes. Collision covers your vehicle when you're in an at-fault accident. Required by lenders — and smart if your vehicle's value exceeds $8,000.
Florida Realities
Florida is one of only 12 no-fault states. Your own PIP insurance pays your medical bills first, regardless of who caused the accident. This speeds up claims — but PIP only covers up to $10,000, which is exhausted quickly in a serious injury.
Beyond PIP, Florida law allows you to sue for damages if your injury meets the "serious injury threshold" — permanent injury, significant scarring, or death. This is where having proper bodily injury liability becomes critical, both to protect yourself and to cover others you may injure.
Many Naples drivers are surprised to learn their minimum coverage leaves them personally exposed. Bruno reviews your current policy and shows you exactly where the gaps are — at no cost.
Southwest Florida's roads present specific challenges. US-41 and I-75 carry heavy through traffic, including commercial trucks. During season (November–April), the population of Collier County increases significantly — bringing drivers unfamiliar with local roads.
Naples also has a significant population of older drivers, who statistically are involved in more accidents at intersections. And with Florida's year-round sun, glare-related accidents are common on east-west roads in the mornings and evenings.
For rideshare or delivery drivers (Uber, Lyft, DoorDash), personal auto policies explicitly exclude commercial activity. A rideshare endorsement is required to avoid a coverage denial when you need it most. Learn more about what to do after an accident →
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Thank you — Bruno will reach out within 24 hours. You can also call directly: (239) 850-2268.
Common Questions
Licensed Florida agent. No scripts. Honest guidance on auto coverage for Naples families and businesses.