Florida Insurance Commissioner Orders Unlicensed Auto Warranty Company to Cease Operations

American Dream Auto Protect sold extended auto warranty plans without required state license

Published on Feb. 19, 2026

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Florida Insurance Commissioner Mike Yaworsky has ordered American Dream Auto Protect, an extended auto warranty company, to cease operations in the state for selling motor vehicle service agreements without the necessary license or approval from the Office of Insurance Regulation (OIR). The company had nearly 900 in-force contracts and over $2.2 million in unearned written premiums before being caught. OIR is now requiring American Dream to notify consumers, allow cancellations and refunds, and pay claims in accordance with Florida law.

Why it matters

Unlicensed insurance entities pose significant financial risks to consumers, as they may lack the financial stability, reserves, and regulatory oversight to reliably pay out claims. This crackdown by the Florida OIR aims to protect consumers from potential fraud and ensure the auto warranty market operates with the proper licensing and oversight.

The details

American Dream Auto Protect was found to be selling motor vehicle service agreements in Florida without the required license or approval from the state's Office of Insurance Regulation (OIR). The company had nearly 900 in-force contracts worth over $2.2 million in unearned premiums before being ordered to cease operations. OIR is now requiring American Dream to notify affected consumers, allow them to cancel coverage and obtain refunds, and continue paying valid claims in compliance with Florida law.

  • On February 17, 2026, the Florida OIR issued a cease-and-desist order against American Dream Auto Protect.

The players

Mike Yaworsky

The Florida Insurance Commissioner who ordered American Dream Auto Protect to cease operations in the state for selling extended auto warranty plans without a required license.

American Dream Auto Protect

An extended auto warranty company that was operating in Florida without the necessary license or approval from the state's Office of Insurance Regulation.

Florida Office of Insurance Regulation (OIR)

The state regulatory agency that oversees the insurance industry in Florida and ordered American Dream Auto Protect to cease its unlicensed activities.

Blaise Ingoglia

The Chief Financial Officer of Florida who stated he is an advocate for policyholders and will work with the OIR to hold bad actors accountable.

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What they’re saying

“Floridians have a right to know that when they entrust an insurance company with their money, the company is acting in good faith. There is no excuse for defrauding Floridians. I have made it one of my core missions to be an advocate for policyholders, and I will continue to work with the Office of Insurance Regulation to hold bad actors accountable.”

— Blaise Ingoglia, Chief Financial Officer (alachuachronicle.com)

“The Office of Insurance Regulation takes reports of unlicensed activity seriously. Consumers should feel confident that their coverage purchased is legitimate and regulated. I urge consumers to do their research before entering into a contract and use our Office's resources to guarantee products are from appropriately licensed entities. We will continue to blast any company that blatantly disregards state law and will strongly advise consumers to find a better option.”

— Mike Yaworsky, Insurance Commissioner (alachuachronicle.com)

What’s next

The Florida OIR is requiring American Dream Auto Protect to notify affected consumers about the cease-and-desist order, allow them to cancel coverage and obtain refunds, and continue paying valid claims in compliance with state law.

The takeaway

This enforcement action by the Florida OIR highlights the importance of ensuring insurance-related products are sold by properly licensed and regulated entities. Consumers should exercise caution when purchasing extended warranties or other insurance-like products to protect themselves from potential fraud or financial instability.