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What Florida law does with a car after a crash, and what it does with your money when you leave a company. Two notes on the rules that apply whoever caused it.
Switching auto insurers in Florida and what it costs you
If you cancel a Florida auto policy, the insurer may keep part of the unearned premium. If it cancels, it may not. That asymmetry is in the statute.
What no-fault actually means after a crash in Florida
No-fault does not mean nobody is responsible. It means your own policy pays first, on a clock, whoever caused the crash.