If you are involved in a motor vehicle accident in Florida, you may have to cope with some severe losses. From injuries that put you out of work for weeks to emotional distress and suffering, you may incur thousands of dollars in unexpected expenses that you are not prepared for. One of the larger bills you may receive is the repairs to your vehicle. Depending on your insurance coverage, you can receive compensation to repair your vehicle, replace your vehicle, or for the lost value of the vehicle.
Under Florida state law, all drivers must carry the following minimum car insurance coverage: $10,000 for personal injury protection and $10,000 for property damage liability coverage. In most circumstances, your insurance company will pay for your vehicle damage costs. Your company will determine the amount of compensation you will receive based on the extent of the damage to your vehicle and the type of policy you have.
You can receive the following types of compensation for your vehicle damage under your personal insurance company policy.
In some circumstances, the $10,000 in property damage liability may not be enough to compensate for your vehicle repairs. However, you have two additional options to seek further compensation: you can file a third-party insurance claim or you can file a personal injury lawsuit in Florida civil court.
To seek reimbursement through the other driver’s insurance company, you must prove that you suffered serious injuries in the car accident and that the other driver was at fault. To qualify for this compensation, your injuries will have to meet Florida’s threshold for a serious injury. You must have suffered significant disfigurement, bone fractures, substantial disability for at least 90 days, a permanent limitation of a body organ or member, or a significant limitation of a body function or system.
If you need assistance with obtaining compensation for your vehicle damage after an accident, speak to a Florida car accident attorney as soon as possible. Your injury attorney can help you look at the facts of your case and advise you of which pathway would be the best for you to take.
Have a legal question? Would you like to schedule a free consultation to discuss your case with an attorney? You can get in touch with us via the form on the right, by call or text (FL: 954-860-8434; GA: 404-287-2856), or on our social media profiles below.
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