This is again something that you cannot “fix” after an accident but is something that has to be in effect at the time of the accident. Collision coverage fixes your car when you are in an accident, regardless of who is at fault. Comprehensive coverage generally fixes you car for most other scenarios absent routine maintenance work (like theft, vandalism, hurricane damage, etc.). There are many drivers in Florida that (illegally) do not have any property damage insurance or that do not have enough property damage insurance. The law in Florida requires drivers to have at least $10,000 of property damage insurance. If you are in an accident and the uninsured driver does not have ANY insurance or does not have enough insurance, in each of these scenarios it would be extremely helpful to you if you had collision coverage. So for example, if you are in an accident that is the other driver’s fault, if he or she does not have ANY insurance and if you do not have collision coverage, then there will be no insurance to fix your car. You would be able to sue the other driver, but if he does not have money for insurance, he likely is not worth suing in court. Similarly, if the other driver is at fault and has the minimum $10,000 of coverage, and in addition to your car there are two or three other cars that are damaged and the total value of the property damage is $30,000, then obviously there is not enough insurance to fix ALL the cars. In each of these scenarios, collision coverage will generally protect you.
If you have been injured in an accident and believe another person or company may be at fault, please call Drucker Law Offices at 561-483-9199 or 954-755-2120, 305-981-1561, or 561-967-3840 – Principal office in Boca Raton plus satellite offices in Miami, Coral Springs, Boynton Beach, Lake Worth and West Palm Beach. Drucker Law Offices and Attorney Gary J. Drucker only charges its clients fees and costs if it recovers money for them. Attorney Gary Drucker offers a free consultation in any of the offices referenced above or at your home or in the hospital. Please call the law firm to set an appointment today!
Of course, every case is different and unique and has to be judged based on the specific facts. The advice in this personal injury blog is intended to be general in nature and should not to be construed as specific advice for your case, as a slight difference in the facts could ultimately change the result. Also, this blog is based on Florida law and the laws of any other states or another country could vary significantly from Florida.
