Course Description

✅ 4-Hour Automobile Insurance & PIP No-Fault (General Lines) – Florida

Approved by Florida Department of Financial Services (DFS) ✅
Provider #374697 | School Official ID #374697 | Course #138858 | Course Offer ID #1241596
Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Complete 4 hours of Florida insurance continuing education online with this DFS-approved Automobile Insurance & PIP No-Fault course for General Lines agents. This course is designed to help Florida insurance professionals better understand personal auto insurance, liability coverage, medical payments, uninsured and underinsured motorist coverage, Florida PIP, no-fault rules, financial responsibility, rating, underwriting, auto claims, and ethical client service.

You can complete the course online at your own pace, log in and out any time without losing your progress, and receive your instant emailed certificate after completion. We report your completion to Florida DFS within 24 hours, and your purchase is backed by our money-back guarantee.

✅ Who This Course Is For

This course is designed for Florida insurance agents who need approved continuing education and want a practical course focused on automobile insurance and Florida PIP no-fault coverage.

This course is a good fit for:

✅ Florida General Lines agents
✅ Florida Property and Casualty insurance agents
✅ Agents who sell or service personal auto insurance
✅ Agents who discuss PIP, MedPay, UM/UIM, liability, collision, and comprehensive coverage
✅ Agents who want to better explain Florida no-fault rules and financial responsibility requirements
✅ Agents who need an approved Florida DFS insurance CE course
✅ Agents looking for a 4-hour online elective course

This course is especially helpful for agents who work with Florida drivers and policyholders, where PIP, UM/UIM, liability limits, SR-22/FR-44 filings, rideshare exposure, delivery use, and coverage gaps are common discussion points.

✅ Florida Insurance License Renewal Requirements

Florida insurance continuing education requirements depend on license type and how long the agent has been licensed. Many Florida resident insurance agents must complete continuing education every two years, including a required Law & Ethics Update course for their license type plus approved elective continuing education hours.

For many major-lines Florida insurance agents, the CE requirement is commonly 24 hours every two years. Agents licensed for 6 or more years may qualify for a reduced 20-hour requirement. Your exact CE requirement is shown in your Florida DFS MyProfile account.

This 4-hour course is an approved Florida insurance CE course that may be used toward eligible elective continuing education hours for General Lines agents.

✅ When Do Florida Insurance Agents Have to Renew?

Florida insurance CE is generally due every two years by the end of the licensee’s birth month. Your exact compliance deadline and remaining CE requirements are shown in your Florida DFS MyProfile account.

To avoid compliance issues, complete your CE early and make sure your credits are posted before your deadline.

✅ How to Renew or Maintain Your Florida Insurance License

✅ Step 1: Check your DFS MyProfile account
Review your license type, CE deadline, and remaining CE requirements.

✅ Step 2: Complete your required CE courses
Make sure you complete any required Law & Ethics Update course and enough approved elective hours for your license type.

✅ Step 3: Take this 4-hour course online
Complete the Automobile Insurance & PIP No-Fault course at your own pace.

✅ Step 4: Receive your instant emailed certificate
After completion, your certificate is emailed to you for your records.

✅ Step 5: We report your completion
Your course completion is reported to Florida DFS within 24 hours.

✅ Step 6: Confirm your CE status
Check your DFS MyProfile account to confirm that your completed credits have posted.

✅ What You’ll Learn in This 4-Hour Course

This course focuses on Florida automobile insurance, personal auto coverage, PIP no-fault benefits, financial responsibility, rating and underwriting, specialty auto exposures, claims handling, ethics, and practical client service.

✅ Course Content Overview

Hour 1: Automobile Insurance Fundamentals and the Personal Auto Policy

This section introduces the structure of the personal auto policy and the major coverage parts agents need to explain clearly to clients.

Topics include:

✅ Personal auto policy structure and key definitions
✅ Liability Coverage, including bodily injury and property damage concepts
✅ Medical Payments and how it interfaces with PIP
✅ Uninsured and Underinsured Motorist Coverage
✅ Coverage for damage to your auto, including collision and other-than-collision
✅ Duties after an accident and key exclusions

Hour 2: Florida No-Fault, PIP, and Financial Responsibility

This section focuses on Florida’s no-fault system and the PIP rules that directly affect Florida auto insurance clients.

Topics include:

✅ Florida’s no-fault system and the purpose of PIP
✅ PIP benefits and the $10,000 limit
✅ Emergency Medical Condition requirement
✅ The 14-day treatment rule and PIP claim requirements
✅ Florida Financial Responsibility Law
✅ Required Property Damage Liability
✅ Serious-injury threshold and the right to sue in tort
✅ Recent Florida legislative changes affecting auto and PIP

Hour 3: Rating, Underwriting, and Specialty Auto

This section explains how auto insurance is rated and underwritten, including higher-risk drivers and emerging auto exposures.

Topics include:

✅ Auto rating factors and territory
✅ Underwriting and driving records
✅ Use of credit where applicable
✅ SR-22 and FR-44 filings
✅ High-risk drivers
✅ Commercial and business use of autos
✅ Rideshare, delivery, and emerging exposures
✅ Endorsements and closing coverage gaps

Hour 4: Servicing, Claims, Ethics, and Application

This section focuses on practical client service, claims communication, and professional responsibilities for Florida auto insurance agents.

Topics include:

✅ Reading the auto declarations page
✅ Explaining coverage clearly to clients
✅ Suitability and adequate liability and UM limits
✅ Auto claims process
✅ Agent-adjuster boundary
✅ Common disputes and E&O prevention
✅ Ethics, disclosure, and unfair practices in auto sales
✅ Case studies and an auto client-service checklist

✅ Why Choose 1st Choice CE?

✅ Approved by Florida Department of Financial Services
✅ Provider #374697
✅ School Official ID #374697
✅ Course #138858
✅ Course Offer ID #1241596
✅ Only $15.99
✅ 100% online and self-paced
✅ Log in and out any time without losing progress
✅ Instant emailed certificate after completion
✅ Completion reported to Florida DFS within 24 hours
✅ Money-back guarantee
✅ Over 10 years of trusted continuing education service
✅ Support by phone or text – 1-800-698-2770

✅ Enroll Now – Only $15.99

This is a fast, affordable way to complete 4 hours of Florida insurance continuing education online while reviewing automobile insurance, PIP no-fault coverage, Florida financial responsibility, UM/UIM, claims, underwriting, and client service issues.

✅ Frequently Asked Questions

Is this course approved by Florida DFS?
Yes. This course is approved by the Florida Department of Financial Services. Provider #374697, School Official ID #374697, Course #138858, Course Offer ID #1241596.

How many CE hours is this course?
This course provides 4 hours of Florida insurance continuing education.

Who should take this course?
This course is designed for Florida General Lines agents and other eligible insurance professionals who need approved CE and want to better understand automobile insurance and Florida PIP no-fault coverage.

Does this course count as a Law & Ethics Update course?
No. This is a 4-hour Automobile Insurance & PIP No-Fault course. If your renewal requires a Law & Ethics Update course, you must complete the required Law & Ethics course separately.

Can I take this course online?
Yes. This course is 100% online and self-paced.

Can I log in and out without losing my progress?
Yes. Your progress is saved, so you can return anytime and continue where you left off.

Do I get a certificate after completing the course?
Yes. You receive an instant emailed certificate after course completion.

Do you report my completion to Florida DFS?
Yes. Your completion is reported to Florida DFS within 24 hours.

When do Florida insurance agents need to complete CE?
Florida insurance CE is generally due every two years by the end of the licensee’s birth month. Check your DFS MyProfile account for your exact CE deadline and requirements.

What does this course cover?
The course covers personal auto insurance, liability coverage, MedPay, PIP, UM/UIM, collision, other-than-collision coverage, Florida no-fault rules, financial responsibility, SR-22/FR-44 filings, rideshare and delivery exposure, claims, ethics, and client service.

Is there a money-back guarantee?
Yes. This course is backed by our money-back guarantee.

Course Details

• Approved by the Florida Department of Financial Services
• Approved Provider #374697
• Approved Course #138858
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.