Property Damage?

Property Damage ?

In Florida, your rights regarding property damage whether it is car repair, car rental or any other issues after a vehicle accident depends, in large part, on your automobile insurance coverage and your priorities (Speed vs Paying a Deductible) – Not on Who is At Fault.

Car Repair: My Rights?

Speed and My Ability to Get Back to My Life

Then the first thing you do is check your automobile insurance policy to confirm you have collision coverage. If you have collision, contact your insurance company and make a claim under the collision provision of your automobile policy. The bad news about filing a claim through your insurance policy is that you will need to pay the deductible applicable under your policy. The good news is that you may be able to recover your deductible at a later time, if everything goes well in your case.  The bad news is that you have to come up with your deductible up front to get your vehicle repaired.

While making a claim under your policy requires you to the pay the deductible, filing through your insurance company is the fastest and easiest way of getting your vehicle repaired and getting back to your life’s routine.

Paying a Deductible is the Last Thing I can Afford

If your cannot afford to pay your deductible or do not have collision on your insurance policy then your only choice is to make a claim under the other party’s insurance company. While there is no deductible to pay when making a claim under the other party’s policy you may have to wait until the insurance carrier completes its investigation. Under Florida law, an insurance carrier has a reasonable time to investigate a claim prior to making payment on your claim. In other words, the at fault insurance company may  take 30 or more days to decide if it’s going to pay your claim depending on the facts of your particular case. So while the insurance company investigates your life is on hold. So, unless your vehicle is drivable after the accident, it’s usually best that you make a claim under your own insurance policy.

Car Rental: What Are My Rights?

Your options about car rental depend on whether you purchased car rental insurance. If you purchased car rental coverage the quickest way to get your rental vehicle is by contacting your own insurance company and filing a claim for car rental reimbursement.

What if you have no rental coverage? Then you are at the mercy of the other party’s insurance company. See under the law the other insurance company is entitled to a reasonable time to investigate prior to paying on a vehicle claim. So what does mean? It means that depending on the facts of your case, you may be out of a car for days, weeks or even months. So what I do to speed up the process? Purchase car rental insurance coverage prior to being involved in an accident.

Ask A Lawyer

If you were involved in an accident, suffered injuries and have medical bills, you need to contact the experienced attorneys at at 954-961-5100 in Broward or 877-961-5100 else where in Florida.


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