3700 West Hillsboro Boulevard
Deerfield Beach, Florida 33442
Welcome To Alberto Insurance . English / Spanish / Portuguese 3700 West Hillsboro Boulevard - Deerfield Beach, Florida 33442
Welcome To Alberto Insurance . English / Spanish / Portuguese 3700 West Hillsboro Boulevard - Deerfield Beach, Florida 33442
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We're Insurance by Floridians, for Floridians.
Your car represents freedom, protection, and convenience. However, a single collision or unexpected event can lead to overwhelming repair bills, medical expenses, or even legal costs. With AlbertoInsurance, you can protect both your vehicle and your finances. We partner with top-rated insurers to offer comprehensive coverage so you can drive confidently every day.
Florida is known for its high rate of traffic accidents. To legally register a vehicle in the state, drivers are required to carry a minimum auto insurance policy at all times. Without proof of valid coverage, you risk fines, license suspension, and exposure to high out-of-pocket costs in the event of an accident. This legal requirement makes it essential to choose a policy that not only meets the minimum but also provides real protection.
Florida auto insurance policies are designed to protect you from a range of potential risks. While the legal minimum includes basic coverages, many drivers opt for additional options to secure extra peace of mind. Here’s a detailed look at what your policy can cover:
Pays for injuries to others if you’re at fault in an accident, including emergency services, hospital bills, and claims related to disability or wrongful death.
It protects you from significant expenses related to medical care for the injured party and provides financial protection against potential lawsuits.
Protects you if you’re involved in an accident with a driver who either doesn’t have insurance or has insufficient coverage.
With a significant number of uninsured and underinsured drivers in Florida, this coverage is essential to protect you from high medical costs, lost wages, and pain and suffering.
Covers the medical expenses for you and your passengers after an accident, regardless of who is at fault.
Florida law mandates PIP, ensuring prompt medical support when you need it most.
Pays for the cost of repairing or replacing another person’s property—such as vehicles, buildings, or road signs—that you may damage in an accident.
It shields you from financial liability and legal expenses resulting from property damage.
Covers non-collision events like theft, vandalism, car fire, weather-related damage, or falling objects.
It provides extra protection when your vehicle is affected by events beyond your control.
Pays to repair or replace your vehicle if it's damaged in a collision with another vehicle or object, regardless of who’s at fault.
Protects you from having to pay out of pocket to fix or replace your vehicle after an accident.
Covers the cost of towing your vehicle after an accident or breakdown.
Helps pay for a rental car while your vehicle is being repaired, so you’re never stranded.
Provides help when you're stuck on the road, whether it's a dead battery, flat tire, lockout, or running out of fuel. Coverage varies by carrier but is designed to get you back on the road quickly.
Florida’s standard payout is based on a car’s depreciated value, not what you paid. New Car Replacement ensures you won't need to pay out of pocket to buy a new car of equal value.
Welcome to the Sunshine State!
Florida’s auto insurance laws are unique, and it’s important to understand them as a new resident:
Requires all drivers to carry Personal Injury Protection (PIP), ensuring that medical expenses are covered regardless of fault.
New residents have 30 days to register their vehicle with the state.
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You must carry proof of insurance at all times while driving.
Drivers with serious accidents, multiple violations, or a DUI may be required to carry higher liability limits and may need to file an SR-22 or FR-44 form to prove they have the required coverage.
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Florida’s average auto insurance rate is approximately $1,878 per year—about 31.6% higher than the U.S. average. Several factors influence your premium:
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The deductible is the out-of-pocket amount you agree to pay when you file a claim before your insurance covers the rest. A higher deductible can lower your monthly premium.
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Florida’s graduated licensing system helps teens gain driving experience safely:
At 15: Eligible for a learner’s permit (with supervision and a required 50 hours of practice).
At 16: Can obtain a full license with restrictions (e.g., driving hours).
At 17: Certain curfew restrictions still apply until full privileges are granted at 18.
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Local AlbertoInsurance agents know the Florida market inside and out. They work directly with top insurers to find competitive rates and personalized policies that fit your unique needs—providing support 24/7 without the frustration of faceless call centers.
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Consider asking:
What discounts am I eligible for (student, good driver, multi-policy, etc.)?
What is the realistic cost to cover an accident based on my current finances?
Does the insurance company have a strong reputation for service?
Who do I contact to file a claim, and what is the process?
Florida law requires every driver to carry $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Most Florida drivers should add Bodily Injury Liability and Uninsured Motorist coverage to protect personal assets in a serious accident.
Yes — Uninsured/Underinsured Motorist (UM/UIM) coverage is available on every AlbertoInsurance® auto policy in Florida. UM/UIM pays for your injuries and lost wages when an at-fault driver carries no insurance or insufficient limits, a common gap in Florida where roughly 1 in 5 drivers is uninsured.
In most cases yes — your liability and collision coverage extend to U.S. rental vehicles, though specifics vary by carrier. Confirm rental reimbursement limits and out-of-country coverage with your local AlbertoInsurance® Auto Insurance Agent before you travel.
A DUI in Florida typically raises auto insurance premiums by 70–150% and triggers an FR-44 filing requirement for three years. Premiums gradually return to standard rates after roughly five years of clean driving.
Auto claims are filed directly with your insurance carrier by phone or through the carrier’s app. The carrier assigns an adjuster who manages repairs, medical payments under PIP, and rental reimbursement, with local support in Florida. Your local AlbertoInsurance® Insurance Agent can guide you through the process and follow up on the claim.
Florida law requires only $10,000 in property damage liability and $10,000 PIP — bodily injury liability is not mandated except after an at-fault crash, for some commercial drivers, and after certain license reinstatements. That said, most Florida AlbertoInsurance® agents recommend at least $100,000 per person and $300,000 per accident (100/300), because a single hospital stay routinely exceeds Florida’s minimum. Drivers with home equity or other assets typically pair higher BI limits with an umbrella policy for an extra $1–$5 million in liability protection.
