Florida car accident lawyer, Guy S. DiMartino, DC, JD, explains collision insurance.
Collision insurance is not required in Florida. It protects the owner of a vehicle if their car is damaged. For instance, if your car is parked on the road and hit by a hit and run driver, your collision insurance will pay for the vehicle to be fixed. If you're involved in a car accident with an uninsured driver, your collision insurance will pay for your vehicle to be fixed. If you caused a car accident, your collision insurance will pay for your vehicle to get fixed. If the other driver's insurance company disputes liability (fault for the accident), you can file your claim under your collision insurance and let your insurance go after the other insurance company for the damage to your car. Collision insurance has a deductible that ranges for $100 to $1000. When you pick up your car from the body shop, you will have to pay the body shop your deductible.
The typical Florida insurance contract explains collision coverage as follows:
We will pay for loss or damage to your automobile and its equipment caused by accidental collision with another object or by accidental upset. When a deductible is indicated, we will reduce our payment by that amount.
Summary of Collision Coverage
This benefit provides coverage to repair your vehicle if it is damaged in an accident. You can purchase this insurance with a deductible that ranges from $100.00 to $1,000.00. If you do not have collision insurance, you will have to pay for your car to be fixed in the following scenarios:
- The damage to your car is more than $ 10,000 and the other driver only has $ 10,000 in property damage coverage
- The other driver is uninsured
- The other driver's insurance company denied liability and will not fix your car
If you have any questions about collision coverage, call me directly on my cell at (352) 267-9168 or fill out the internet consultation form on the right.
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