Have you or a loved one been recently injured in a car accident? Check out these 4 car insurance tips and contact our office today for a free consultation.
1) Collision Coverage
Collision coverage is a type of coverage on your policy which will provide for the payment to repair your motor vehicle if it’s been involved in an accident. The difference between collision coverage and property damage coverage is if you run your property damage claim through your own collision policy, it is subject to your deductible. If you run your property damage claim through the other person’s property damage liability coverage, then there is no deductible to satisfy.
2) Contacting Your Insurance Company
You need to let your insurance company know that you’ve been involved in an accident so that a claim can be set up. This way, if there’s a collision type of claim that’s being presented or a PIP no-fault claim that’s being presented, your bills can be processed, your property damage claim can be presented and paid, and you can get the ball rolling to get you down the road.
3) Filing a Car Accident Claim without Auto Insurance
If you are injured in a car accident in the state of Florida and don’t have your own auto insurance coverage, that’s no prohibition against you making a claim against the person who actually caused the accident. That being said, if you don’t have insurance coverage, then you wouldn’t have PIP benefits available to you or any uninsured motorist coverage or collision coverage, for that matter. You would still be able to present an injury claim against the at-fault party and their bodily injury coverage, however, if they had that coverage.
4) Important Types of Automobile Insurance Coverage
The most important coverage you can have on your own auto policy of insurance is uninsured/underinsured motorist coverage, also known as UM coverage. This is because, in Florida, people aren’t required to carry bodily injury liability coverage. As a result, any number of individuals without liability coverage could run into you and cause you an injury. If you have uninsured/underinsured motorist coverage, then you can make your claim for injury directly against your insurance company, even though the person that caused the accident was uninsured for bodily injury coverage.
Were you or a loved one seriously injured in a car crash in Florida and have questions about these 4 car insurance tips?
Contact the experienced Brevard County car accident lawyers at Layman Law Firm to schedule a free, confidential consultation.
Let our experience work for you.
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