Aflac Auto Insurance – Does Aflac Really Cover Cars in Florida?
When Florida drivers search for Aflac Auto Insurance, one big question comes up: Does Aflac actually provide car insurance, or is it only supplemental health coverage? At Prolines Insurance Agency, we’ve seen many customers confused about Aflac car insurance quotes and whether Aflac is health insurance or auto insurance.
This guide clears up the confusion about Aflac Auto Insurance, explains what Aflac really does, and helps you understand how it fits into your overall protection plan in Florida.
What is Aflac?
Aflac is supplemental insurance, not traditional auto or health insurance.
Unlike major medical insurance that pays doctors and hospitals directly, Aflac pays benefits directly to the policyholder. This cash can be used for daily expenses such as groceries, rent, childcare, or transportation when you’re sick or injured.
Learn more at the official site: Aflac.com.
Is Aflac Auto Insurance Real?
The short answer: No, Aflac does not sell standard car insurance policies.
If you’re searching for Aflac auto insurance or an Aflac car insurance quote, you’re probably mixing up Aflac’s supplemental insurance with traditional auto coverage providers like Progressive, Geico, or State Farm.
However, Aflac can still play a role in your financial protection. While your auto insurance deductible covers vehicle damage, Aflac supplemental benefits can help cover extra costs that come with accidents—like medical transportation or lost wages.
What Type of Insurance is Aflac?
Aflac is primarily known for:
- Supplemental health insurance
- Accident coverage
- Cancer and critical illness plans
- Disability insurance
- Life insurance
These policies are supplemental, meaning they work with your health or auto insurance—not as a replacement.
Does Aflac Have Car Insurance?
This is one of the most searched questions: “Does Aflac have car insurance?”
- Aflac does not sell standalone auto insurance.
- But Aflac products can support you financially when a car accident results in hospital visits, missed work, or rehabilitation.
For Florida drivers, this means:
- Your auto policy (through Prolines Insurance Agency) covers vehicle repair and liability.
- Your Aflac supplemental plan gives you cash benefits for daily expenses during recovery.
How Does Aflac Insurance Work?
Aflac pays cash benefits directly to you—usually within 4 days of filing a claim.
This money can be used for:
- Transportation to medical facilities
- Childcare expenses
- Rent or mortgage payments
- Groceries or utilities
According to Healthcare.gov, supplemental coverage is becoming more common in the U.S. because it fills the “gaps” major health and auto insurance leave behind.
Is Aflac Health Insurance?
No, Aflac is not major medical insurance. Instead, it’s considered supplemental health insurance.
Major medical insurance pays doctors and hospitals.
Aflac pays you cash directly.
This makes Aflac especially valuable if you’re recovering from a car accident and need extra financial support.
Aflac Benefits Florida Drivers Should Know
Here are key Aflac benefits that matter for Florida residents:
- Affordable plans – Aflac offers coverage that fits most budgets.
- Portability – Keep your Aflac policy even if you change jobs or retire.
- Quick claims – Processed in an average of 4 days.
- Preventive benefits – In some states, you can get paid for routine checkups like physicals or mammograms.
- Extra security – Cash benefits for daily living expenses during illness or injury.
Reference: Florida Office of Insurance Regulation.
Does Aflac Offer Home or Renters Insurance?
Some people also search: “Aflac home insurance” or “Aflac renters insurance.”
Currently, Aflac focuses on supplemental health and life products, not property or casualty insurance. If you need home or renters insurance, you’ll want a traditional insurer—but you can still pair it with Aflac’s supplemental benefits.
Should I Keep Aflac After Retirement?
Yes. Aflac policies are yours to keep even after you retire or switch jobs.
This is different from employer-provided health plans, which often end when you leave employment.
Aflac vs. Auto Insurance Deductibles
Here’s where Prolines Insurance Agency bridges the gap. Many Florida drivers confuse Aflac auto insurance with auto deductibles.
- Your auto insurance deductible (collision or comprehensive) is the amount you pay out-of-pocket before your insurer covers damage.
- Aflac does not replace this deductible—but it gives you extra cash to cover daily living costs after an accident.
Want to learn more? Check our full guide on Comprehensive vs. Collision Deductible in Florida.
How Much Does Aflac Cost?
Aflac costs vary depending on your plan, age, and coverage. On average, Aflac supplemental policies are considered affordable.
For Florida residents, Prolines Insurance Agency can help you compare Aflac options alongside auto coverage so you’re fully protected.
Final Thoughts on Aflac Auto Insurance in Florida
While Aflac auto insurance doesn’t exist as a traditional car policy, Aflac’s supplemental coverage is still a valuable financial safety net for Florida families.
- Use auto insurance for liability and car repairs.
- Use Aflac insurance for supplemental daily living expenses after an accident or illness.
At Prolines Insurance Agency, we help drivers in Florida understand the difference and build a complete protection plan.
Contact us today to explore the right balance of auto insurance and Aflac supplemental insurance for your family.
