man taking a picture of damage to a car

How Does Florida Handle Property Damage Claims?

In a crash, the result will likely involve physical injuries, as well as property damage. In Florida, the law allows individuals to file a claim seeking compensation for property damage. Typically, it’s possible to resolve property damage claims quickly between the claimant and the insurance company. However, there are often challenges that arise during the process.

Our Lakeland car accident attorneys want you to understand who pays for your property damage. Below, we’ll help you recognize the scenarios in which you can recover compensation and who is responsible for paying out your property damage.

If you need legal help, call us today at (863) 292-6922.

The Different Scenarios to Consider

In Florida, you may seek property damage compensation in four different scenarios. Here are the different ways you may move forward to help your claim.

  • Scenario 1: You are in a crash with another driver. That person is responsible for crashing into you. They have property damage liability insurance coverage. In this case, their insurance can cover your damages up to the maximum limits on the driver’s available insurance policy.
  • Scenario 2: Another driver causes your crash, but they don’t have property damage liability insurance. In this case, you would look to your insurance provider to cover the cost of the damages using your collision coverage. Your insurance would pay for the damages, but you would have to consider your deductible.
  • Scenario 3: Someone else causes your accident, but neither of you carries insurance policies that would cover property damage. If this happens, you can file a lawsuit against the at-fault party to seek recovery directly. Keep in mind that if the other driver doesn’t have insurance, they may not have personal funds to cover your damages. Speaking with a lawyer can help you understand your options.
  • Scenario 4: You are in a crash, and you are the at-fault party. In this scenario, you would rely on your insurance company and collision coverage to pay for the cost of your damages. If your insurance company is not working with you and refuses to cover your expenses, get a lawyer on your side.

Keep in mind: these are scenarios that only involve property damage claims. At Dismuke Law, PLLC, we only handle cases in which you suffer injuries. It’s often easy to handle property damage claims on your own because the evidence is clear. Personal injury claims threaten insurance companies’ profits, though, and they’re less likely to look out for your best interests in these situations.

Filing a Personal Injury Claim In Florida

After an injury stemming from a car crash, you can seek compensation through your Personal Injury Protection (PIP) coverage. You may also file a claim against the at-fault party if your injuries surpass the state’s serious injury threshold. In these cases, you can hold the responsible party accountable for the damages you sustain.

Working with a lawyer can help you seek the maximum compensation available to you. At Dismuke Law, PLLC, we aim to represent clients who suffer severe injuries because of someone else’s negligence. We work hard to help you navigate some of the most complex legal matters with your best interests in mind every step of the way.

You can count on our Lakeland car accident attorneys to safeguard your rights. We’ll be your voice against negligence and pursue compensation when you need it most. If you have a property damage claim, we hope the information in this blog and video helped. If you have a personal injury claim, we’ll be happy to provide you with a free consultation and discuss your options with you.

Call our firm today at (863) 292-6922 and speak with a member of our team about your rights. We’ll be in your corner to take on large corporations.