Probably, the biggest problem you’re going to have is your car, whether it’s fixed right, whether it’s not fixed right. It’s kind of sad since my car is my baby and you’ll never get it fixed the way you want.
In Florida, if the other side has insurance for property damage they must carry a minimum of $10,000, and they will then take your car to the dealership. They should give you a rental car that you drive around until the car is finished.
You go back to the dealership or the body shop, drop it off at the Enterprise, Hertz, Avis car or whatever it is, and get a new car. Problems arise when the other people have not paid their insurance and then you need to look to see, if you have comprehensive collision.
You definitely have comprehensive collision if you owe money on the car. Most people owe money to the bank, to the federal credit union, to something. Well, then you’re in good shape because your insurance company will fix your car.
You’re going to have a deductible and it’s really kind of complicated. But what will happen is you’ll have a $500 deductible, let’s say it’s 5 grand to fix your car. You’ve got cut a check for $500, your deductible.
Unbeknownst to you, there’ll be a subrogation hearing; a lawyer turned for make it even. And unbeknownst to you, they’ll send a check for $4,500 to the insurance company and you’ll get 500 bucks.
We’ll help you through that, I don’t charge fees on that, it’s not my money, get your car fixed.
But that ultimately is the process, “do they have insurance on the other side for property damage.”
That’s the easy way to go because you get a rental car, or two, go through your own insurance but you’re going to have to deal with the deductible putting a little bit of money up front, but you will get it back.
