State Law Guide - Updated January 2026
Florida F&I Product Cancellation Rights
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
In Florida, you can cancel dealer add-on products at any time. During the first 60 days, you receive a full refund (minus up to 5% of contract price fee). Refunds must be issued within 45 days. 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 | 45 days | Refund must be issued within 45 days |
| 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
45 daysPro-Rata Refund
RequiredAttorney Fees
RecoverableWhat Florida Law Requires
Your Cancellation Rights
Under Florida Motor Vehicle Service Agreement Act, Florida consumers have the right to cancel F&I products purchased from dealers. 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.
Refund Timeline
Once you submit a cancellation request, the dealer or administrator has 45 days to process your refund. Failure to comply may result in Actual damages plus attorney fees.
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State-Specific Citations
Maximum refund amounts
$29 - Avg Florida refund: $1,050 - Potential 36x return
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 SB 902.
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 dealers must process your refund within 45 days of receiving your cancellation request. Failure to do so may entitle you to 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:
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Based on Florida Motor Vehicle Service Agreement Act