State Law Guide · Updated January 2026
Many F&I products allow cancellation for a pro-rata refund, but the contract, product type, timing, claims, and state law all matter.
Florida Extended Warranty Cancellation Guide
Under Florida Motor Vehicle Service Agreement Act, Florida gives you the right to cancel and receive refunds on F&I products. You have a 60 days free look period for full refunds. Dealers who fail to comply face Actual damages plus attorney fees.
Quick Answer
Cancellation rights in Florida depend on the product and contract. Upload yours to see which add-ons appear cancellable. During the first 60 days, you receive a full refund (minus up to 5% of contract price fee). You can sue in Small Claims Court for up to $8,000.
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Key Florida Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 60 days | Florida has one of the longest free look periods |
| Cancellation Fee | Max 5% | Fee cannot exceed 5% of original contract price |
| Refund Deadline | No specific statutory deadline | No specific consumer refund deadline; governed by contract terms |
| Pro-Rata Refund | Required | Entitled to unused portion after free look period |
| Attorney Fees | Recoverable | Can recover attorney fees if dealer violates law |
Free Look Period
60 daysCancellation Fee
Max 5%Refund Deadline
No specific statutory deadlinePro-Rata Refund
RequiredAttorney Fees
RecoverableWhat Florida Law Requires
Your Cancellation Rights
Under Florida Motor Vehicle Service Agreement Act, some F&I products sold in Florida may be cancellable or refundable, subject to their contract terms. During the free look period (60 days), you receive a full refund. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Your contract may include cancellation rights that are easy to overlook. We identify the products, check the applicable terms and rules, and estimate what may be refundable.
A formal demand letter citing your state's exact statutes is harder to ignore than a generic email.
Upload your purchase agreement or F&I contract · PDF, JPG, or PNG — a phone photo works
How It Works
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See What You May Be Owed Under Florida Law
Our tool checks Florida Motor Vehicle Service Agreement Act and state-specific provisions against your paperwork for free — then generates a formal f&i product cancellation letter if you want one.
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State-Specific Citations
Maximum refund amounts
What you'll see before you decide
A document-specific answer, not a generic promise:
- The amount at issue, itemized
- The rules or contract terms that appear applicable
- What looks strong, weak, or needs more evidence
Free analysis first. The optional letter comes after you see the result.
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Check each charge and see an itemized estimate before deciding whether to buy a letter.
Frequently Asked Questions
How long is the free look period in Florida?
Florida gives you 60 days to cancel dealer add-on products for a full refund (minus up to 5% cancellation fee). This is one of the longest free look periods in the nation under Fla. Stat. 634.121.
What is the maximum cancellation fee in Florida?
Florida caps cancellation fees at 5% of the original contract price. For example, if you paid $2,000 for a warranty, the maximum fee would be $100.
How long does a Florida dealer have to process my refund?
Florida does not set a specific consumer refund deadline by statute for service contract cancellations. The timeline is governed by your contract terms. If the dealer unreasonably delays, you may have a claim for actual damages and attorney fees.
What F&I products can I cancel in Florida?
Under Florida law, you can cancel extended warranties, GAP insurance, tire and wheel protection, paint protection, and most other F&I products sold by the dealer.
Florida Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Florida's laws compare to other states:
See What You May Be Owed in Florida
Check your contract against Florida cancellation rules and see which products appear refundable.
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Optional letter only if you act · Florida Motor Vehicle Service Agreement Act