What Types of Florida Car Insurance Cover Property Damage?

What Types of Florida Car Insurance Cover Property Damage?

From fender benders and head-on collisions to thefts and hurricane winds, drivers in Florida face the risk of property damage to their cars at any given time. Although insurance can compensate for losses, it’s not uncommon for the shock of an incident to leave all parties unsure about whether the resulting property damage is covered by a particular policy. To provide some clarity, below are the types of car insurance available in Florida that apply to property damage. Keep in mind that if your property was damaged in an accident, the insurance you may use will vary depending on your policy and the circumstances of your accident.

If you are involved in a car accident and anyone has been injured, assist them to receive medical care by either transporting them or making arrangements. Click here for information about types of car insurance covering personal injuries.

 

Property damage liability insurance

-Covers property damage that at-fault drivers or owners have caused to another driver’s property

-’Property’ includes vehicles and other types of property as well (such as buildings, fences)

-Mandatory minimum of $10,000 of coverage required in Florida

 

Collision insurance

-Pays for damage to your car resulting from a collision with another car, an object, or from flipping over, even if you were at fault

-Does not cover injuries nor damage to the property of others

-Generally not required in Florida

 

Comprehensive insurance

-Covers damage to your car resulting from incidents not involving a collision (e.g. theft, fire, flooding, hurricane winds)

-Does not cover injuries nor damage to the property of others

-Generally not required in Florida

 

If you or a loved one has been a victim of a car accident, please do not hesitate to call our office for a free legal consultation at (727) 786-5000 or fill out our case evaluation form on the Contact page of our website.

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