As a Florida
resident, you have insurance consumer rights, protected
by law and upheld by the Florida Department of
Banking and Insurance (DOBI).
First—whenever
you ask for auto insurance quotes, insurance agents must
present price quotes within five days from the date they
received your request. The deadline keeps agents from
holding up your purchase.
Second—if
are denied coverage, the auto insurance company must put
in writing the reason for your denial.
Third—insurance
agents must provide you with three coverage options,
called Insurance Scenarios. This holds
true if you already own insurance and just want more
information, or if you are shopping for a new policy,
according to a DOBI pamphlet.
Fourth—you
can change policies and coverage limits at any time
during the life of a policy. Always request your premium
refunds when you reduce the cost of your auto insurance.
If you think your
Florida auto insurance consumer rights have been
violated, contact DOBI immediately.
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