Auto Insurance Miami Florida FL
Reader’s Question:
My wonderful bride of 26 years had her first accident while driving in Miami Florida. Boy, was she unhappy and so I was. Fortunately, nobody was hurt and it was relatively minor. At least I thought so and now I’m not so sure. The body shop in Miami gave us quite a price to fix it but the adjuster offered us less money saying that was all our collision coverage was responsible for What should we do?
Kendall
Miami, Florida
Okay Kendall,
I understand your frustration. Your wife was in a collision. Your collision auto coverage is part of your comprehensive auto insurance package. The company agrees to pay for all damages and repairs but their maximum exposure is limited to the value of the vehicle. Sometimes the value of the vehicle is less than the estimate to repair the vehicle. Collision auto insurance does not guarantee replacement value.
Your claims adjuster probably received estimates for the repairs as described in your auto collision coverage. He then procured an estimate for the value of the vehicle, which apparently was less than the cost of the repairs. He has correctly offered you that amount.
Under the terms of your collision auto coverage, you have a few options. You can accept his offer and still choose to repair the car. You will have an out-of-pocket expense to make up the difference. You collision auto coverage allows you to negotiate with the adjuster in Miami, FL. If you are still unhappy and feel you have a valid claim you can file a complaint with the state insurance agency. They will review your collision auto coverage, discuss it with your carrier in Miami Florida and try to resolve the matter. Good luck, Kendall.
Tags: auto insurance, car insurance, car insuance claims, claims dispute