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Why collision coverage is necessary

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Everyday there are numerous automobile collisions in the greater Orlando area with resultant property damage and losses to the automobiles involved. However, sometimes the driver causing the collision did not carry PD ( Property Damage ) or inadequate PD coverage to cover the damages to the other person's automobile. Generally, the law in Florida mandates that drivers carry a minimum of $10,000 in PD coverage which would cover any property damage caused by the at fault driver to any other motor vehicles or other property damaged such as utility poles or road signs. For instance, if an at fault driver with a minimum $10,000 in PD coverage rearended a new Mercedes Benz and totalled it, the at fault drivers insurer would only be legally and contractually obligated to pay out its $10,000 in PD coverage limits which obviously would not cover all of the property damage to the Mercedes Benz driver.

The at fault driver would be personally liable for the excess property damage not covered by his minimal PD coverage but usually it is very difficult to collect any property damages from an individual out of their own pocket. This is one reason why it is important that you purchase collision coverage to protect your own motor vehicle should it receive property damage due to the negligent driving of an uninsured or underinsured driver. In the above instance, if you were the owner of the new Mercedes Benz it would be prudent and wise to purchase $100,000 in collision coverage to cover all of the property damage involved which is not only money to replace the totalled Mercedes Benz but also any attendant costs such as towing and storage charges, taxes, title and tag fees.

In the above instance, after your own automobile insurer paid out your property damage claim under your collision coverage then your insurer could subrogate or make a claim under the at fault drivers PD coverage to collect the $10,000 in PD coverage limits. If your insurer elects to they could sue the at fault driver personally for the excess property damage loss incurred by them and try to obtain a judgment and attempt to collect any uninsured loss from the at fault driver.

If you have been injured in an automobile accident and sustained bodily injuries and have any questions regarding your collision coverage, please call The Nuebel Law Firm today at 407-703-5999 so that we may help and assist you.

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