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Florida law regarding auto insurance claims will rely heavily on the type of event that triggers an individuals’ need to involve their insurance company. There are numerous circumstances in which an individual will have to file a Florida auto insurance claim , for instance an individual could get into an accident where the other party has no insurance, or an accident which just causes damage to the insured’s car, or just a simple accident where the other party receives the ticket and is at fault. Florida law will deal with each of these circumstances in a different way.
Auto Insurance Claim with Non-Insured Individual
Florida uninsured motorist coverage is required and aims to protect drivers from being without legal recourse in the event they are hit by a driver that doesn’t have insurance coverage or involved in a hit and run accident. Drivers must file a claim as soon as practicable informing the insurance company of the event. The uninsured motorist coverage will apply to claims filed by individuals with a blood or legal relationship to the insured. Also, a claim can be filed whether or not the insured was injured in his or her vehicle, another person’s vehicle, or if they were a pedestrian when struck by an uninsured driver.
Auto Insurance Property Damage Claims
Property damage claims are presented as part of a personal injury claim if sustained in accident or by themselves if the insured has suffered only property damage as a result of an event like a tree branch falling. Insurance companies are bound to pay you blue book value if your car was totaled and to repair it along with providing you with its diminution in value if it was a newer car. Diminution in value is the difference between what your car was worth before the accident and what it is worth after the accident.
Auto Insurance Claim with Insured Driver
Individuals that have an accident where the other party is cited can simple y file an insurance claim with the other party’s insurance company. They will be responsible for repairing your car, and providing you with settlement for any medical damages, including pain and suffering.
Seek Legal Advice
Residents of Florida that are involved in an auto accident should contact an attorney as soon as possible. Navigating you way through the insurance laws and insurance process can be a big headache and quite confusing. Only a licensed attorney in the state of Florida can provide you with the expert advice you will need to insure that you are receiving the best settlement possible. Attorney's can ensure that your Florida auto insurance claim is handled swiftly and efficiently.
