In Florida, auto accidents are stressful enough without the added confusion of navigating property damage claims. At Hutch Firm, we help you understand your rights and guide you through the steps needed to recover repair costs, replacement value, and any other property losses. This will go over what property damage is, the requirements and steps to file a claim, and how Hutch Firm will help you.
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What is a Property Damage Claim?
A property damage claim allows you to recover compensation for damage to your vehicle or any other personal property caused by a crash. Some personal property includes:
- Vehicle repairs
- Total loss replacement
- Damage to items inside your vehicle
- Damage to surrounding property, like mailboxes, fences, and buildings
Florida law requires drivers to carry Property Damage Liability (PDL) insurance, which pays for damage you cause to someone else’s property
Florida Auto Insurance Requirements
If you register and operate a vehicle in Florida, state law requires you to carry minimum auto insurance coverage that includes:
Personal Injury Protection (PIP)- Florida is a no-fault state, meaning your own insurance pays certain expenses after a crash, regardless of who caused it. To register a vehicle, you must have at least $10,000 in PIP coverage.
Property Damage Liability (PDL)- Florida drivers are also required to carry at least $10,000 in PDL coverage. This insurance pays for damage you cause to someone else’s property in an auto accident
Steps to File a Property Damage Claim in Florida
STEP 1: Report the accident:
- Contact law enforcement if property damage appears to exceed $500
- Collect the other driver’s insurance and contact information
- Take clear photos of the scene and vehicle damage
STEP 2: Notify your insurance company:
- Report the crash as soon as possible
- Provide all details, information, photos, and any police reports
STEP 3: Damage Assessment:
- Any insurance adjuster will inspect the vehicle and look at any damage, and review and repair estimates
- They determine whether the vehicle can be repaired or if it is a complete loss
STEP 4: Settlement offer:
Your insurer will issue a settlement based on:
- Cost of repairs
- The vehicle value
- Policy limits
If you believe the offer is too low, negotiation is possible, and Hutch Firm can help.
Common Challenges in Claims
- Delays in processing due to incomplete documentation
- Disputes over fault or damaged assessment
- Low or inaccurate estimates
- Difficulty communicating with insurance adjusters
Tips For a Claim Process
- Document everything: Take photos, keep any repair estimates, and save all receipts
- Communicate clearly: Respond promptly to any insurance requests
- Know your policy: Understand coverage limits and exclusions
- Seek legal guidance: Hutch firm can assist you if disputes arise or claims are unfairly denied
Contact a Florida Car Accident Attorney
Understanding how property damage claims work in Florida helps you protect what matters after an accident. At Hutch Firm, we assist clients through every step of the process, from filing claims to fighting for fair compensation.