Property damage insurance pays for damage you cause to another person’s property while driving. Usually this means damage to someone else’s car, but it could be any property. If you were to accidentally hit someone’s fence, or run into a light post, this coverage would pay to replace it or repair the damage for which you are legally responsible.
The car accident attorneys at the Hancock Law Firm are often asked about property damage claims and who pays for repairs to their car. The following is one of many car accident questions asked on avvo.com which attorney Mike Hancock answered in November, 2013:
Question: Will an at fault driver’s insurance cover my repairs and should I be contacting a lawyer for any reason? I hit a vehicle that pulled onto the road from a shopping center to make a left turn at a median. The other driver was ticketed for failure to yield the right of way. Should I be contacting their insurance company or mine? I only have liability coverage as I drive an older vehicle. The other driver has a full coverage policy.
Mike Hancock’s Answer: The at-fault driver’s insurance company is responsible for paying to repair your vehicle. The repairs will be paid from the other person’s “property damage insurance” portion of his policy. Everyone who owns a vehicle in Florida is required to have at least $10,000.00 in property damage insurance coverage. Depending on the extent of damage to your vehicle, and the model year of your vehicle, you may also be entitled to an additional amount of money to compensate you for the diminished value your car may have as a result of being in an accident.
Hiring a Car Accident Attorney
If you need legal assistance filing a property damage claim, a personal injury layer can help. The Hancock Injury Attorneys offers a free case review and will explain what damages you are entitled to recover for your car accident. If you have questions regarding your property damage insurance coverage, contact our office at 813-915-1110.