How does insurance work when it’s not your fault?

In most cases, if you aren't at fault in a car accident, the other driver's state-mandated liability insurance coverage would pay for damage to your car, property and for medical bills for injuries, up to the limit of the policy. This is especially useful if your policy doesn't have adequate coverage.

Will my insurance go up if someone hits me Florida?

Per Florida Statutes §626.9541, your car insurance should not go up after an accident unless you were “substantially at fault.” The statute states that insurers cannot raise liability, personal injury protection, medical payments, or collision premiums “solely because the insured was involved in a motor vehicle …

What happens if someone hits your car in Florida?

Florida law requires a driver to call the police if there is more than $500 in apparent property damage in the accident. In today's reality, that's almost any accident. The other driver should have called the police.

How much will my insurance go up with an at fault accident Florida?

On average, car insurance rates go up 46% if you cause an accident that caused an injury. However, your rates typically won't go up if you didn't cause the accident or you have accident forgiveness. And not every car insurance company or state handles an accident on your driving record the same way.

How much will my insurance go up after a claim against me?

If you have claimed on your car insurance, you can expect to pay 20% to 50% more for cover in the future. However, the amount varies depending on who is to blame for the claim, the severity and expense of the accident, and your overall driving record.

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