The leading collision lawyers at Anidjar & Levine are dedicated to protecting you from liability for damage to your vehicle in the event of a collision. We provide superior legal services to drivers and families in all areas of Florida.
Collisions are inevitable in Florida and every other part of the country. In fact, car accidents are the leading cause of personal injury and death in the United States. Because car accidents are so common, most states, including Florida, require drivers to be insured against liability for property damage and bodily injury if they are involved in a crash.
Because we depend so heavily on our cars, any damage caused by a collision can be traumatic. Repairs are often expensive and can leave you without a means of transportation for several days. Most drivers dread having their cars in the shop. These are the times when collision insurance comes in handy.
Collision insurance provides for the repair or replacement of your own vehicle after an accident, regardless of fault. This means you can use the funds to fix your car or put toward another car if your vehicle was totaled, even if you were at fault for the accident. If you were not at fault, you can present a claim for damage to your car under your own collision policy, or under the negligent party’s property damage liability insurance.
The insurance company will pay for the damages up to the limit set forth in your policy. Generally, the insurance carrier pays the cost to repair the car or the fair market value of the vehicle, whichever is less. If repairs exceed 80% of the cost of replacing the vehicle with one of comparable quality, it is considered a “total loss” and you might choose to take a new car.
Under Florida law, collision coverage is not required. The Florida Statutes mandate a minimum of $10,000 each for personal injury protection and property damage liability. Collision protection is a voluntary coverage you can purchase to supplement your insurance. Unlike other types of coverage, it generally includes a deductible. Collision coverage might be required if your car is financed.
Collision coverage differs from comprehensive coverage in that it only covers collisions. Unfortunately, there are many other possible ways your car can be damaged. Your vehicle might catch fire, for example, get broken into, or stolen. Depending on your budget and the risk you are willing to take, you may want to consider purchasing comprehensive coverage to protect you from damages “other than collision.” You can purchase collision and comprehensive insurance individually or together.
If you are thinking about adding collision coverage, the experienced Fort Lauderdale collision attorneys at Anidjar & Levine can help. Collisions and other types of property damage can have serious financial consequences related to your insurance costs, even after the claim is resolved. Our firm is dedicated to ensuring you are protected from liability for damages in the event of an accident. We offer instructional videos and a free policy examination to recommend important coverage you should consider adding. At Anidjar & Levine, we know that car collisions are traumatic; that is why we are dedicated helping you back on your feet. We provide the highest quality representation to drivers throughout Florida. Call 800-747-3733 for a free consultation or contact us online.