Can You Obtain Compensation for Property Damages If You Were Not Injured in a Florida Car Accident?
It is often thought that after an accident the way to obtain financial compensation is to sue another party that caused the accident. This is not always the case, and actually, it most often is not what happens after an accident. While there are instances where a lawsuit is a way that a victim of an accident can get compensation, the majority of accidents are settled without court involvement.
Similarly, you may also be able to obtain compensation for property damages after an accident even if you were not injured. The way to do so is by filing a claim with your insurance.
Obtaining Compensation for Property Damages
Suppose you are in a car accident and your car is destroyed but after seeing a doctor you confirm you were not injured. In this scenario, you may be wondering what your options are to recover compensation to pay for the repairs for your car or a replacement if the damage was extensive.
Since Florida is a no-fault insurance state, when a car accident happens, you must use your own insurance to cover the costs you incur regarding the replacement of a vehicle or vehicle repair costs. The amount you can obtain from your policy will be determined by its limits. The minimum insurance for property damage that Florida car insurance laws mandate is $10,000. So, if you have the minimum coverage you could obtain up to $10,000.
However, if you are a driver who has purchased insurance coverage above the minimum required amount, you may be able to receive a greater amount of compensation up to those policy limits. It is important to understand that you can only obtain compensation from your policy if it was purchased before you had an accident. In other words, you will be unable to benefit from insurance coverage that was purchased after an accident.
Should your insurance be insufficient to cover the costs of the repairs or replacement, then it could be possible to file a claim against the other driver who caused the accident. An attorney will be able to review your situation and determine the best approach to obtaining the full amount of compensation you need to have your car repaired or replaced.
Car accidents can be emotional and stressful even when no physical bodily harm is suffered. Since cars are so vital to the travel needs of many Americans, when your vehicle is damaged this is a situation that can cause great distress. With the costs of replacing a car and repairing a car being so expensive, it is important to know your rights and what options you have to get the money you need to help you pay for these expenses.
Call Fulgencio Law Today
It is possible to obtain compensation for your property damages after a car accident in Florida. You must first use your own insurance policy to obtain compensation. However, if your insurance limits do not cover the full amount of compensation you need for your property damages, you may be able to file a claim against another party’s insurance.
For assistance and help with a property damage claim, please call Fulgencio Law at (813) 463-0123 to schedule a free consultation with a Tampa car accident attorney.