You were involved in a car accident in Plantation, Florida and now are wondering what role you and your insurance policy play in the situation. You weren’t at-fault for the accident, however, you have heard that you may be responsible for paying your deductible and filing a claim through your own insurance carrier. When would this happen and why?
This is a concern of many drivers who are involved in an accident in the state of Florida which is why we are going to outline a few different things to help you better understand when you might need to file a claim and satisfy your deductible, even if you weren’t at fault for causing the accident.
Do I have to pay my insurance deductible if someone else caused the accident?
Sometimes, you may be asked to submit a claim through your own insurance company in order for your vehicle to begin being repaired. The reason for this is because fault is sometimes difficult to determine, even if you know you weren’t responsible for causing the accident. If this is the case, you would first be required to pay out of pocket for your deductible before your insurance company is going to pay anything. Now, bear in mind that your insurance carrier can attempt to recoup these costs from the negligent driver’s insurance company, and if they do, they would be required to reimburse you for what you paid out for your deductible.
Now, if fault was determined, you may be able to bring a claim against the other driver’s insurance carrier for the damages done to your vehicle. It is important to be aware of the fact that Florida requires its drivers to carry no-fault insurance, and this is how drivers receive coverage for things like medical expenses if the other driver’s policy doesn’t have enough coverage. So, if you were recently involved in an automobile collision and the police report clearly identifies you weren’t at-fault, you will want to first pursue the other driver’s insurance company to see what they will cover. In the event you cannot get them to pay, you always have your policy to turn to, however, that deductible will need to be satisfied.
You also have PIP, Personal Injury Protection, coverage which comes into effect and will pay up to 80% of your medical expenses, regardless of fault.
What can I do if I feel it isn’t fair for me to pay my deductible?
If the insurance company of the other driver whom you believe to be at-fault doesn’t want to accept a claim and your only other option is to file one through your own carrier, you will have to pay whatever deductible you have on your policy. You do have the option of hiring an accident lawyer in Plantation, FL which is highly recommended if you are in this predicament. Auto accident claims can sometimes become difficult matters and require the attention of one of our skilled Plantation accident lawyers.
If you are currently dealing with this and would like to speak with a FL accident attorney who can inform you on what can be done, give us a call now to speak with an agent. They will work with you to help you locate a nearby lawyer in Plantation, FL who specializes in accident law that can help you with your case.