In most cases, your insurance will pay for your auto repair after an accident you did not cause in Florida. This is due to Florida’s No-Fault laws regarding car accidents.
This article will outline how No-Fault laws work in Florida, getting reimbursed for your deductible, and who else may be held liable for your auto repairs after a car accident you did not cause in Florida. This information is for reference only; to get legal guidance for your specific car accident case, contact Chalik & Chalik Injury Lawyers at 855-529-0269. We offer free case evaluations.
Florida No-Fault Car Insurance Laws
Florida is a No-Fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. The benefit of this structure is that you do not have to wait to prove liability before receiving payments.
There are a few drawbacks. For example, Florida law only requires drivers to carry PIP and property damage coverage policies of up to $10,000, which means if your medical bills or repairs exceed this amount, you may be on the hook.
Reimbursement for Your Deductible
You will likely have to pay a deductible before your car repairs. The amount will vary based on the details of your insurance policy but usually ranges between $250 and $2500.
This might seem unfair if the crash was not your fault. However, you may be able to get reimbursement for the cost if the accident is deemed to be the fault of another driver. No-fault laws do not absolve liable parties of responsibility entirely.
Filing a Claim With Your Insurance Company
Your first step after a car accident is to ensure the safety of everyone involved in the accident. Your next step is to call your insurance company to file a claim. They will guide you through the following steps based on your coverage.
It is critical that you speak to your insurance company quickly, as coverages may vary. For example, you may be eligible for a rental car while your vehicle is repaired.
If your insurance company attempts to deny your claim, a car accident attorney may be able to help. Contact our legal team today at 855-529-0269.
Who Else May Be Liable For Your Car Repairs
Depending on the details of your case, other parties or additional insurance policies may cover your car repairs costs if they exceed your required policy coverage. Here are a few additional parties who may be held liable.
Additional Auto Insurance Policies You Carry
Florida law only requires you to carry $10,000 of property damage; however, you may have additional coverages. For example, you may have insured the full value of your car, or you may have chosen to carry under or uninsured motorist coverage. These policies may pay for additional repair costs.
The At-Fault Driver’s Insurance Company
You may be able to hold the at-fault party’s insurance company liable for your deductible and repair costs over the cap of $10,000. They may also be held liable for medical bills that exceed your PIP coverage, lost wages, and other damages.
Depending on the details of your case, a third party may be held liable. For example, if two other drivers were both at fault, if the driver was at work at the time of the accident, or if a lack of road signs created a dangerous situation.
To understand who else may be liable for your vehicle repairs, contact our legal team today at 855-529-0269.
Contact a Car Accident Attorney In Florida
The moments after a car accident can be a blur. You may be in pain, in shock, or disoriented. Once you have cleared your head, your mind turns to practical questions such as “Who will have to pay for my car to be repaired?” This article aimed to answer that question and provide you with additional information related to the insurance process.
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