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Car insurance exists so that those who are injured or suffer property damage can receive compensation after an accident. However, the logistics of car accident claims aren’t that simple. Car damage insurance claims are often more successful when an experienced attorney is involved.

Unfortunately, Florida’s car insurance claims process can leave many claimants confused and wondering what to do. However, claimants can’t receive the compensation they deserve unless they understand how car damage insurance claims work in this state. Many can benefit from contacting a skilled Orlando property damage claim lawyer to help them file their claim and receive what they are entitled to. 

Florida’s No-Fault Insurance System

The state of Florida subscribes to a no-fault insurance system. After a motor vehicle accident, injured parties are required to file a claim under their personal injury protection (PIP) coverage no matter who was at fault for the accident. Only if their injuries meet certain standards can they file a personal injury claim against the other party. It’s best to discuss your specific situation with an experienced Orlando property damage claim attorney to ensure you get the compensation you deserve.

Property Damage Claims

For property damage, you can file a claim directly with the at-fault party’s insurance company under their property liability coverage. You also have the option of filing a claim under your collision coverage if you have it. If you are in a hurry to get your car back on the road or receive compensation for it, you may want to file the claim with your own insurance company. 

Suppose your car happens to be vandalized, damaged by weather, or even stolen. In that case, you can file a claim under your comprehensive insurance policy if you have one. 

The Claims Process

Once you file your claim, the insurance company will investigate the accident to determine how the accident happened and who is at fault. You have the option to take your vehicle to any auto body or repair shop you choose. However, the insurance company only has to reimburse you as much as their preferred shop says your damages are worth, minus your deductible. 

Your insurance company will assess the damage caused to your vehicle to determine if it is worth repairing or if it’s better for them financially to pay you for the vehicle and let you replace it. The latter is often referred to as the insurance company “totaling” your vehicle or deeming it a total loss. Their decision is based on factors such as:

  • How many miles your car has
  • What other similar cars in your area have recently sold for
  • Any pre-existing damage to your car
  • If your vehicle had upgrades or new tires 

It’s essential to note that if your car is totaled, but you still owe money on a lease or a loan, you are responsible for paying it.  

Let a Seasoned Orlando Property Damage Claim Lawyer Help

If you are confused by the auto claims process or wonder if you are receiving fair compensation for your vehicle or its repairs, a seasoned Orlando property damage claim attorney from the Law Offices of Jerrod Paul can help. Call (407) 588-0343 or contact us online today.

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