Guides— claims and repairs, in plain English

Guides to Florida auto claims and repairs

Short, sourced guides to the questions people ask us after a crash in Florida: whose insurance pays, what a deductible covers and what the law says about estimates and parts. Every legal point links to the statute or the state consumer guide it comes from.

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October 13, 2026First-party vs third-party auto claims in Florida: what's the difference?A first-party claim is one you file with your own insurance company, usually under your collision coverage, and you pay your deductible. A third-party claim is one you file with the at-fault driver's insurance company under their property damage liability coverage, and you don't pay a deductible if they accept fault. In Florida, your PIP coverage pays for injuries, not for damage to your car.Read the guide

Step by stepThe collision claim process, start to finish Fourteen steps from the scene of the crash to pickup and the lifetime warranty.

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This is general information, not legal advice. For questions about your policy or your rights, check with your insurer or an attorney.