Your insurance resource center.
Everything you need to manage your policy in one place — pay your premium, file a claim, get proof of insurance, find answers, and reach a licensed agent. Carrier payment and claim links open each company’s secure site in a new tab.
What do you need to do? ↓What do you need to do today?
Pick a task to jump right to it. For account changes and questions, you can call us or send a request and a licensed agent will follow up.
Log in to your insurance carrier
Your carrier’s secure portal is where you pay your premium, download your ID cards and proof of insurance, and request policy changes. Search for your carrier or filter by type, then open its portal below.
Ambetter
HealthPay your Ambetter premium before the first of the month to avoid a lapse in coverage.
Manage →Molina
HealthPay your Molina premium before the first of the month to avoid a lapse in coverage.
Manage →Aetna
HealthPay your Aetna premium before the first of the month to avoid a lapse in coverage.
Manage →Cigna
HealthPay your Cigna premium before the first of the month to avoid a lapse in coverage.
Manage →Oscar
HealthPay your Oscar premium before the first of the month to avoid a lapse in coverage.
Manage →UnitedHealthcare
HealthPay your UnitedHealthcare premium before the first of the month to avoid a lapse in coverage.
Manage →Blue Cross Blue Shield
HealthPay your Blue Cross Blue Shield (Florida Blue) premium before the first of the month to avoid a lapse.
Manage →Kaiser Permanente
HealthPay your Kaiser Permanente premium before the first of the month to avoid a lapse in coverage.
Manage →National General
AutoPay your National General premium by your due date to avoid a lapse in coverage.
Manage →Ocean Harbor
AutoManage your Ocean Harbor policy on the official site. Payments & claims can also be handled by phone — see your ID card.
Manage →Don’t see your carrier?
If you need to make a payment for another carrier, or you have a question about your policy, our licensed team is here to help — call or chat with us.
How to file a claim
You can report a claim directly to your carrier any time, or call us and a licensed agent will walk you through it. Here’s how it works.
Gather your details
Have your policy number, the date, time, and location, photos of any damage, and — for auto — the other driver’s info and a police report number if there is one.
Report the claim
Start a claim directly with your carrier using the links below, or the claims & roadside number printed on your insurance ID card. Carriers accept claims 24/7.
We’re here to help
Not sure where to start, or want help through the process? Call us at 800-619-8959 and a licensed agent will guide you.
Progressive
ClaimsReport a claim online or by phone, 24/7. Your claims and roadside numbers are on your ID card.
Start a claim →Travelers
ClaimsReport a claim 24/7 online or call 1-800-252-4633 (press 3 for roadside assistance).
Start a claim →National General
ClaimsLog in to your account to report and track a claim. Roadside info is on your ID card.
Start a claim →Kemper
ClaimsReport and manage a claim through Kemper (Infinity). The claims number is on your ID card.
Start a claim →UAIC
ClaimsLog in to your UAIC account to file and follow your claim. The claims number is on your ID card.
Start a claim →GEICO
ClaimsReport or track a claim 24/7 with GEICO Claims Express, or call 1-800-841-3000.
Start a claim →Allstate
ClaimsFile and track a claim through your Allstate account or the mobile app.
Start a claim →Ocean Harbor
ClaimsOcean Harbor auto claims are handled by phone — use the claims number on your ID card, or call us for help.
Claims info →Common policy & payment questions
It depends on your policy. For most health plans, your premium is due before the first day of each coverage month. For auto policies, your due date is listed on your bill and declarations page. Paying on time helps you avoid a lapse in coverage — if you’re unsure of your date, check your carrier portal or call us.
Most carriers let you view and download your ID cards instantly after logging in to their portal (use the payment links above). You can also request proof of insurance or a certificate of insurance (COI) from us — use the “Proof of Insurance / ID Card” quick action or call 800-619-8959 and we’ll send it over.
Your declarations page (“dec page”) is the summary of your policy. It lists who and what is covered, your coverage limits and deductibles, your premium, your policy period, and any lienholders. It’s the fastest way to see exactly what you have, and it’s often what a lender or DMV asks for.
A missed payment can lead to a lapse or cancellation of coverage, and a gap can raise your future rates. Most carriers offer a short grace period — if you think you’ll be late, contact your carrier or call us right away so we can help you avoid a lapse.
Use the “Change My Policy” quick action to send us a request, or call 800-619-8959. Have the new vehicle’s year, make, model, and VIN, or the new driver’s name, date of birth, and license number ready, and we’ll update your policy and confirm any change in premium.
You can report a claim directly to your carrier 24/7 using the links in the Claims section above, or the number on your ID card. If you’d like help, call us at 800-619-8959 and a licensed agent will walk you through it. In an emergency, always call 911 first.
Yes. If you need an SR-22 or FR-44 (a certificate showing you carry the required liability coverage, often after certain violations in Florida), we can help you find a policy that includes the filing. Call us and we’ll explain the requirements and your options.
Insurance dates to remember
A few deadlines come around every year. Mark them so you never miss a window to enroll, switch, or prepare.
ACA Open Enrollment
The yearly window to enroll in or change a Marketplace health plan. Enroll by December 15 for coverage that starts January 1. Outside this window you generally need a qualifying life event.
Medicare Annual Enrollment (AEP)
When people with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment
If you’re already in a Medicare Advantage plan, you can switch to another plan or return to Original Medicare once during this period.
Atlantic hurricane season
Review your Florida home, flood, boat, and RV coverage before a storm. Remember that flood is a separate policy and wind/hurricane deductibles may apply.
Insurance terms in plain English
Insurance has its own vocabulary. Here are the terms you’ll run into most often.
- Premium
- The amount you pay for your policy, usually monthly or every six months.
- Deductible
- What you pay out of pocket on a covered claim before your coverage starts to pay.
- Liability coverage
- Pays for injury or damage you cause to others. It does not pay for your own vehicle or property.
- Comprehensive
- Auto coverage for non-crash events like theft, fire, vandalism, weather, and animal strikes.
- Collision
- Auto coverage that pays to repair or replace your vehicle after a crash, minus your deductible.
- PIP (Personal Injury Protection)
- Florida’s no-fault coverage that helps pay your medical costs after an auto accident, regardless of fault.
- Declarations page
- The summary of your policy — who’s covered, your limits, deductibles, premium, and policy dates.
- Copay
- A fixed amount you pay for a covered health service, like a doctor visit or prescription.
- Out-of-pocket maximum
- The most you’ll pay for covered health care in a year; after that, your plan pays 100%.
- Endorsement / rider
- An add-on that changes your policy, adding, removing, or adjusting a specific coverage.
Learn about our insurance options
Thinking about adding or changing coverage? Explore our insurance lines and get a free quote with a licensed Florida agent.
Trusted outside resources
Official, neutral sources for verifying requirements and learning more. These open in a new tab.
🌐 Government & official
- HealthCare.gov — Marketplace health coverage
- Medicare.gov — official Medicare site
- Florida HSMV — auto insurance requirements
- FloodSmart.gov — flood insurance (NFIP)
- Florida CFO — consumer insurance help
📚 Learn the basics
- Insurance Information Institute — how coverage works
- NAIC Insure U — neutral consumer guides
- Motorcycle Safety Foundation — rider training
- USCG Boating — boating safety
- Our blog — guides on every line of coverage
Talk to a licensed agent
Questions about a payment, a claim, or your coverage? Our team is here to help — in English or Spanish.
We’re here to help
Call, chat, or send a request and a licensed agent will follow up — there’s never a cost to speak with us.
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