Navigating Property Damage Claims after an Automobile Crash
Automobile accidents can be stressful and confusing, particularly when it comes to handling the aftermath of property damage claims. In Florida, property damage liability coverage is not just recommended—it’s required by law. Understanding how this insurance coverage works and what it entails can make the claims process smoother and help you get back on track quickly.
What is Property Damage Liability Coverage?
Property damage liability coverage is designed to reimburse you for your vehicle and all personal property damaged as a result of an automobile accident. Unlike collision coverage available under your own insurance policy, this coverage is provided by the insurance policy for the at-fault vehicle.
What Does Property Damage Liability Cover?
In the event of an accident, property damage liability insurance covers a wide range of items, including:
- Vehicles: The cost to repair or replace a damaged vehicle.
- Car Seats: Replacement of child car seats and car seat bases that were in the vehicle during the accident.
- Personal Items: Coverage also extends to personal items such as destroyed phones, laptops, sunglasses, helmets, jewelry, clothing, and other belongings that were clearly damaged because of a wreck.
Steps to Take After an Accident
We highly recommend you contact your attorney when beginning the claims process with an insurance company. The insurance company will often request a recorded statement quickly after opening your claim. Providing clear and accurate details is important to making sure your claim is handled properly and promptly.
If you have questions after an automobile accident, our attorneys are available 24/7 at (239) 461-5508 to answer your questions.