In the seductive warmth of Tampa, Florida, pristine beaches and shell itinerary engage homeowners in recreational pursuits. Yet, inevitable are the occasional road mishaps that bring the need for “automobile accident attorneys near me – navigating insurance claims involving rental cars and the interplay of multiple policies”. This article seeks to enlighten homeowners about this seemingly convoluted topic.
Handling Insurance Claims Involvement
An auto accident involving a rental car adds layers of complexity to the already stressful scenario. The primary question is – who pays for what? In Florida, per §627.736(1) Florida Statutes, auto insurance policies come with Personal injury Protection (PIP) that covers 80% of medical bills and 60% of lost wages after a deductible, irrespective of fault.
If your rental vehicle is involved, you will need to navigate between your personal auto insurance, rental car coverage (if purchased), and credit card insurance, if applicable. Your personal auto insurance extends to your rental vehicle and your liability within the policy limits. If damage exceeds your policy limits, a rental car insurance policy might make up the difference. Also, your credit card may offer rental car insurance, but it usually acts as secondary coverage.
Importance of Automobile Accident Attorneys
Engaging an experienced automobile accident attorney is invaluable to decipher the interplay of these policies. They’ll help interpret the complex policy language, identify the involved parties responsibly, and coordinate with multiple insurance companies to ensure fair compensation.
Florida Insurance Laws and Policy Provisions
Florida operates under the “No-Fault” system, requiring every motor vehicle owner to carry a minimum of $10,000 PIP and $10,000 Property Damage Liability (PDL) as per §324.021(7) and §627.727 Florida Statutes. Besides, Florida law follows ‘Comparative negligence’ rule per §768.81(2), Florida Statutes, meaning your damages can be reduced by your degree of fault assessed.
If another motorist is primarily at fault and the resulting damages exceed their PDL coverage, you can seek compensation under your Uninsured/Underinsured Motorist (UM/UIM) coverage, if any. An adept attorney helps assess all these factors, assisting in structuring your claim.
Focus for Homeowners
For homeowners, our advice is to understand your insurance policy beforehand thoroughly. Be aware that homeowners’ insurance doesn’t cover auto accidents. Therefore, it becomes critical to examine your auto insurance policy’s fine print, identify any gaps, and consider supplemental rental car insurance to ensure adequate coverage.
Contact Louis Law Group
The realm of “automobile accident attorneys near me – Navigating insurance claims involving rental cars and the interplay of multiple policies” can feel intimidating. At Louis Law Group, our experienced attorneys can help decipher complex insurance policies and aid in fighting for your due compensation. For any questions, do not hesitate to reach out for a free consultation.
Conclusion
Embrace preparedness above all. Know your insurance coverage, understand Florida’s relevant policies and laws, and, most importantly, know which skilled attorney to reach out to in need. Call Louis Law Group today and secure your peace of mind. It’s about the journey, not the destination. Enjoy your ride securely.
