How Does Property Damage Liability Coverage Work?
Initially, the most frustrating thing about a motor vehicle accident is trying to deal with the insurance company regarding property damage to your vehicle. Immediately after the accident, you should call your insurance company to report the accident. Also, call the defendant’s insurance company to report the property damage to your vehicle (if applicable). If the fault is clear, the defendant’s insurance company should accept responsibility and agree to fix your vehicle or give you a check if it is a total loss. You can take your vehicle to a repair shop you choose. While your car is getting fixed, the defendant’s insurance company should give you a comparable rental vehicle. If your car is totaled, you get the rental until they give you a check.
Property Damage and Injuries
Many people believe that they have “full coverage” with their vehicle insurance policy. It is important to have an adequate amount of insurance coverage to protect yourself and your family. If you are hurt in a car accident, you may have injuries that require expensive medical care. A short stay in a hospital can produce thousands of dollars in medical bills. Besides the medical bills and the pain from the injuries, the inability to work caused by an injury can impact your life. People don’t think about these issues when they take out insurance. It is crucial that you carry an insurance policy with the adequate amount of coverage. Many people have only the minimum coverage on their car insurance policy. With higher limits, you will be in a better position if you are harmed by a driver with inadequate coverage. Property damage often causes many problems, but the most important thing is to stay on top of the situation to either get your vehicle fixed or get as much money for your vehicle as you can. Unfortunately, many times the defendant’s insurance company will not agree to fix your vehicle immediately because the defendant’s insurance company states that it is investigating who is responsible for the accident. Rather than waiting for days on end, you can go ahead and ask to fix your vehicle through your own insurance company. This is often the easy solution if the at-fault insurer is dragging its feet, and if you have the right coverage on your policy to allow this. The only downside is that you will have to pay the deductible. At Some point down the road, you may be able to get your deductible back from the defendant’s insurance company after they determine the accident was the fault of the other person. If you do not have the necessary comprehensive coverage, then you could have a real problem because your insurer will not pay to fix the car. If you lack rental coverage, you will have no rental car while your car is getting fixed. The at-fault driver’s insurance company only has to repair your vehicle according to the previous condition of your vehicle.
Speak with a Miami Car Accident Lawyer Today!
Whether you sustained an injury as a driver, pedestrian, or bicyclist, injuries sustained in car accidents are compensable in a personal injury claim. After any type of motor vehicle accident, why not consider discussing your accident with a car accident attorney to learn more about your legal rights and obligations after an accident. Let the car accident attorneys at Suarez & Montero evaluate the circumstances of your case and provide you with an explanation of your legal options going forward. Our skillful attorneys are genuinely committed to our clients. Whatever the circumstances surrounding your injury claim, the team at Suarez & Montero has the experience necessary to ask the right questions and take the necessary actions to ensure that you receive the compensation you deserve! Let us help you get the medical care you need and fight to make sure you are compensated for your injuries!
We serve clients throughout Florida including those in the following areas:
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