State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
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
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). You can sue in Small Claims Court for up to $8,000.
Purchased F&I products in Florida?
Check your rights under Florida law
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, 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.
The law is clear — these products are cancellable and refundable. But dealers count on you not knowing that. Upload your contract to see exactly what you're owed.
A generic email gets ignored. A formal demand letter citing your state's exact statutes gets results.
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State-Specific Citations
Maximum refund amounts
"Paint protection in Florida sounded smart until I realized it was a $1,850 dealer markup. Full refund, no fight."
— Miami, FL
$29 to recover up to $1,050. That's a 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 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:
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Average Florida recovery: $1,050 · Based on Florida Motor Vehicle Service Agreement Act