What Insurance Will and Won’t Cover After a Car Accident in Florida

Know Your Rights When Dealing with Insurance Adjusters in Broward County

After a car accident, most drivers in Florida rely on their insurance company to cover the cost of repairs. But not everything is always as it seems. Insurance companies often try to minimize what they pay out, especially for autobody repairs.

Important Reminder: The insurance adjuster is not your friend. While they may seem helpful, adjusters work for the insurance company not for you. Their job is to save money for their employer, even if that means offering less than your car is truly worth or recommending cheaper, lower-quality repairs.

At MTech Performance Autobody in Fort Lauderdale, we help drivers throughout Broward County understand their rights and make sure they get the repairs they’re entitled to. This guide breaks down what your car insurance policy in Florida typically covers, what it may not, and how to protect yourself during the claims process.

What Car Insurance Typically Covers in Florida

Florida is a no-fault state, meaning your own policy will cover certain expenses no matter who was at fault. Here’s what most policies include:

• Personal Injury Protection (PIP): Covers your medical bills and lost wages up to $10,000.
• Property Damage Liability (PDL): Covers damage to another person’s property if you’re at fault.
• Collision Coverage: Pays to repair your own vehicle after a crash, regardless of fault (optional).
• Comprehensive Coverage: Covers theft, vandalism, weather damage, or hitting an animal.
• Uninsured Motorist Coverage: Helps cover damages if the other driver has no insurance.

What Insurance Often Tries to Avoid Paying For

Many insurance policies have loopholes and limitations. Here’s what they may try to avoid covering:

• Denying the use of OEM parts and insisting on aftermarket or replica components
• Lowball repair estimates that don’t match the actual damage
• Using non-certified shops that use cheaper materials or cut corners
• Paying for partial repairs or denying necessary labor
• Reducing payouts based on “depreciated value” or age of your car

This is why it’s crucial to work with a collision repair shop that fights for your interests not the insurer’s.

How to Dispute an Unfair Insurance Payout

If your claim is denied or you feel the payout is too low, here’s what to do:

1. Ask your adjuster for a full written explanation of the denial or reduction.
2. Get a second opinion from an experienced autobody shop like ours.
3. Request a detailed damage report with OEM parts listed.
4. File a formal complaint with the Florida Department of Financial Services.
5. If needed, consult an attorney who specializes in insurance disputes.

Our team at MTech Performance is ready to help with free estimates and guidance throughout your insurance claim process.

Don’t Let Insurance Push You Into Low-Quality Repairs

Insurance companies often pressure shops to use replica or low-cost parts. That’s why it’s so important to choose a repair center that uses OEM parts, factory-grade paint, and works for you not for the insurance company.

You have the legal right to choose your repair shop in Florida, even if the insurer recommends someone else. We work with all major insurance providers and stand up for our clients every step of the way.

We Serve All of Broward County and Surrounding Areas

Our Fort Lauderdale autobody facility proudly serves drivers in:

• Hollywood
• Coral Springs
• Plantation
• Pompano Beach
• Davie
• Sunrise
• Pembroke Pines
• Miramar
• Deerfield Beach

Let MTech Performance Help You Navigate the Insurance Process

We’ve helped countless Florida drivers handle their claims, secure fair payouts, and restore their vehicles to pre-accident condition with OEM parts and top-tier craftsmanship.

Contact us today to schedule your free repair estimate and learn how we can help protect your rights after a car accident.

MTech Performance
5400 NW 10th Terrace 
Fort Lauderdale, FL 33309 
Phone: (954) 988-8324