Protecting the Journey Ahead

The road is full of p(l)ot holes, especially on I-4. We help you navigate Florida’s complex auto laws so a fender bender doesn't derail your life.

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A modern cable-stayed bridge with tall pylons and yellow cables over the ocean on a clear, sunny day.

Driving in Tampa Bay is an Adventure

We all know the risks of driving in Florida: sudden storms, pedestrians on US-19, and crowded highways. But the biggest risk isn't the traffic; it's the other drivers.

Did you know that nearly 1 in 4 Florida drivers is uninsured?

  • If you are hit by someone with no coverage, a "cheap" policy won't help you pay your medical bills or repair your car.

  • At Novel Insurance, we design coverage that protects you, your vehicle, and your passengers, regardless of who is at fault.

Our Coverage Menu

  • Whether you drive a sedan, an SUV, or a truck, we shop multiple top-rated carriers to find the right balance of price and protection.

    • We check for: Rental car reimbursement, Mechanical Breakdown and OEM (Original Equipment Manufacturer) parts usage.

  • Florida’s year-round riding weather is a perk, but it comes with risks. We cover cruisers, sport bikes, and touring motorcycles.

    • Key Coverage: Accessories coverage (for your saddlebags and chrome) and Guest Passenger Liability.

  • Your vintage convertible isn't just a car; it's a piece of history. We offer "Agreed Value" policies that lock in the full value of your vehicle, with no depreciation.

  • For the weekend warriors. Coverage for your motorhome or travel trailer, including personal effects and vacation liability.

How We Review Your Policy

A quick online quote often strips away the most vital protections. We review every line to ensure you aren't vulnerable:

  • Uninsured Motorist (UM): This is the most important coverage in Florida. It protects you if you are hit by an uninsured driver. We usually recommend "Stacking" your limits for maximum medical protection.

  • Property Damage Limits: State law only requires $10,000. If you hit a luxury car in Tampa, that limit won't even cover the bumper. We recommend higher limits to protect your assets from lawsuits.

  • Gap Insurance: If your car is totaled, do you owe more on the loan than the car is worth? Gap insurance pays the difference so you aren't paying for a car you can't drive.

Frequently Asked Questions

Still have questions? Take a look at the FAQ or contact us anytime.

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  • A: Florida is a "No-Fault" state. This means your own policy (Personal Injury Protection or PIP) pays the first $10,000 of your medical bills after an accident, regardless of who caused the crash. It is mandatory, but it is rarely enough to cover a serious injury, which is why we recommend strong bodily injury coverage.

  • A: We highly recommend it. With so many uninsured drivers in Florida, UM coverage is the only way to guarantee your own injuries/lost wages are covered if you are hit by someone with no insurance.

  • A: In Florida, if you carry Comprehensive coverage, your deductible is waived for windshield repair or replacement. It’s one of the few "freebies" in insurance law, but you must have Comprehensive coverage on the policy.

  • A: Likely not. Most standard personal auto policies specifically exclude coverage while you are logged into a rideshare app or transporting passengers for a fee. If you don't have a specific "Rideshare Endorsement" added to your policy, a claim could be denied instantly. We can help you add this gap coverage so your side hustle is protected.

  • A: Surprisingly, "Full Coverage" is not an official insurance term. It is industry slang that usually means you have Liability (for others) plus Comprehensive and Collision (for your car). However, it does not guarantee you have Rental Reimbursement, Gap Insurance, or high medical limits. We prefer to walk you through specific line items rather than relying on vague terms.

  • A: Adding a teen driver is expensive, but there are ways to mitigate the shock. We look for Good Student Discounts (usually for a 'B' average or higher) and can recommend Telematics programs (apps that track safe driving habits) which can significantly lower premiums for young drivers who follow the rules of the road.

  • A: In Florida, yes. Carriers use an "Insurance Score" (which is heavily influenced by your credit history) as a major factor in determining your premium. Maintaining good credit is one of the most effective ways to keep your insurance costs down over time.

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