In Florida, drivers must carry a minimum amount of car liability insurance because it is a “no-fault” state. This means that no fault is assigned to drivers when accidents occur and insurance companies automatically pick up expenses for medical bills and lost wages, up to the policyholder’s limit. However, the no-fault rule does not apply when it comes to paying for the car’s repair after an accident.
This means that insurance claims for car repairs are still based on fault. So, at the scene of a crash, it is vital that you never acknowledge your part in the accident (if any). Insurance adjustors can use this information against you to deny you benefits. Instead, simply exchange information and allow your insurance company to deal with the investigation. Similarly, be sure to make note if the other driver admits fault in the accident, as this information can be used to strengthen your case as well.
If you have talked to your insurance company and the insurer of the other driver and are getting nowhere, it’s time to hire a reliable auto accident attorney. An attorney can file the necessary documents to get the insurance company to pay. They can also expedite the process if you’re having trouble getting straight answers on your own. Although Florida is a no-fault state, there is still plenty of room under the law to fight for the compensation you deserve.