Car crashes can leave you with major injuries and leave your vehicle undrivable. You may expect insurance to cover your costs. After all, Florida state law requires that you carry insurance, and you have the option of making a claim whenever a crash occurs.
The hybrid insurance model in Florida requires both liability coverage and no-fault coverage, which can leave some people very confused about how to make a claim and what they can expect insurance to pay for following a crash. What kind of coverage can you count on receiving when you are not the one to blame for a collision?
Their insurance will repair your vehicle
Every driver needs to carry at least $10,000 of property damage liability (PDL) coverage. You can make a claim against the driver’s PDL coverage for vehicle repair costs, rental vehicle fees and even the diminished value of your vehicle because of the crash damage.
However, $10,000 of coverage may not be enough to fully compensate you for those expenses. If they don’t have additional PDL, then there could be uncovered repair or replacement costs.
Your insurance will cover your hospital bills
In addition to PDL coverage, every driver should have no-fault personal injury protection (PIP) coverage. You make a claim against your own PIP coverage for injuries that affect you or anyone riding in your vehicle. Everyone needs to have at least $10,000 of PIP coverage, which will pay for up to 80% of their medical expenses.
Obviously, this system leaves big gaps. You shouldn’t have to pay 20% of your crash injury costs if you aren’t to blame, and you shouldn’t have to pay to fix your vehicle either. If you have property damage or injury costs that are over $10,000, extra insurance coverage may help.
If neither you nor the other driver has adequate coverage based on your costs, then the only way for you to recoup those expenses may involve a civil lawsuit against the other driver. In rare cases, there could also be a third party that has some degree of liability for the crash and the costs it created. Educating yourself about how insurance works after a Florida car crash will help you make use of those financial protections.