Guidelines

After a car accident, one of the most pressing concerns is determining who will cover the cost of repairing your vehicle. In Florida, this depends on factors like who was at fault, the type of insurance coverage both drivers have, and how quickly you want your car repaired.

When another driver is responsible for the accident, their property damage liability coverage (which is required in Florida) should pay for your vehicle repairs. However, fault must be established, either through the other driver's admission or through a police report or insurance investigation. Once fault is determined, you can file a claim with the at-fault driver’s insurance. The insurance adjuster will assess the damages, and if the claim is approved, their insurance will cover the cost of repairs.

Even if the other driver is at fault, waiting for their insurance company to process the claim may take time. To expedite repairs, you can file a claim through your own insurance if you have collision coverage. In this case, your insurance will cover the repair costs, minus your deductible. Later, your insurance company may seek reimbursement from the at-fault driver's insurer through a process called subrogation, which may result in the recovery of your deductible.

While Florida is a no-fault state for medical expenses, this rule does not apply to vehicle repairs. You will still need to rely on the at-fault driver’s property damage liability coverage or your own collision coverage to handle repair costs.

If the at-fault driver is uninsured or underinsured, you may need to use your own uninsured/underinsured motorist coverage. This optional coverage steps in to cover the costs that the other driver’s insurance would have paid if they were properly insured.

While it might seem easier to file through the at-fault driver’s insurance, using your own insurance may speed up repairs. Many policies also offer benefits like rental car coverage while your vehicle is being repaired.

The decision to go through the other driver’s insurance or your own depends on factors such as fault, how quickly you need repairs, and the type of coverage you carry. It’s often wise to consult with a car accident attorney to ensure your rights are protected and that you receive the compensation you deserve. Contact us for a free evaluation.