State Law Guide
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 Companies Law, 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 Liability in a civil action for actual damages or $500, whichever is greater, plus court costs and reasonable attorney's fees (Fla. Stat. § 634.271(1)), and second-degree misdemeanor liability for knowing violations (§ 634.251).
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 the gross premium within 60 days; after 60 days the refund must be at least 90% of the unearned pro-rata premium 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 from purchase (§ 634.121(3)(a)) | Cancel within 60 days for a refund of 100% of the gross premium, less any claims paid and an administrative fee of up to 5% |
| Cancellation Fee | Max 5% in the first 60 days (§ 634.121(3)(a)) | The administrative fee cannot exceed 5% of the gross premium you paid |
| Refund After 60 Days | At least 90% of unearned pro rata premium (§ 634.121(3)(b)) | If you cancel after 60 days, the company must return at least 90% of the unearned pro rata premium, less claims paid |
| Refund Deadline | No specific statutory deadline | No specific consumer refund deadline; governed by contract terms |
| Purchase Not Required | Written notice required (§ 634.121(1)) | Before the sale you must be told in writing that buying the service agreement is not required to buy or finance the vehicle |
| Civil Remedy | Actual damages or $500 plus attorney fees (§ 634.271) | Sue for the greater of actual damages or $500, plus court costs and reasonable attorney's fees; fees are not allowed if you sue before completing any arbitration your agreement requires |
Free Look Period
60 days from purchase (§ 634.121(3)(a))Cancellation Fee
Max 5% in the first 60 days (§ 634.121(3)(a))Refund After 60 Days
At least 90% of unearned pro rata premium (§ 634.121(3)(b))Refund Deadline
No specific statutory deadlinePurchase Not Required
Written notice required (§ 634.121(1))Civil Remedy
Actual damages or $500 plus attorney fees (§ 634.271)What Florida Law Requires
Your Cancellation Rights
Under Florida Motor Vehicle Service Agreement Companies Law, 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.
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See What You May Be Owed Under Florida Law
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State-Specific Citations
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Frequently Asked Questions
How long is the free look period in Florida?
Florida lets you cancel a motor vehicle service agreement within 60 days after purchase for a refund of 100% of what you paid, less any claims paid and an administrative fee of up to 5% (Fla. Stat. § 634.121(3)(a)).
What is the maximum cancellation fee in Florida?
Within the first 60 days, the administrative fee is capped at 5% of the price you paid, so at most $100 on a $2,000 service agreement (Fla. Stat. § 634.121(3)(a)). After 60 days the company must refund at least 90% of the unearned pro-rata premium, less claims paid (§ 634.121(3)(b)).
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 its neighbors and other states:
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See What You May Be Owed in Florida
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