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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Pros And Cons Of Collision Insurance

Frequently Asked Questions - Pros And Cons Of Collision Insurance

Collision Insurance is the type of insurance that will cover damages to your vehicle after an accident.  In Florida, it is considered optional coverage insurance unless you lease or finance your car; then, it is typically required by the financial lender.

Why should you get collision coverage?

Pros 

  • If you are involved in a car accident, collision insurance will cover getting your vehicle fixed.
  • If you are in a single-car accident, it will cover your vehicle and any other object you hit, such as a fence, house, utility poles, lamp posts, tree, mailbox, guard rail, and street signs.
  • You are covered regardless of who is at fault for the accident.
  • This type of insurance will cover you if you are in a hit-and-run.
  • It will cover you if you are in a rollover accident.
  • It will also cover you if another driver hits your car and he/she does not have enough insurance to pay for the property damage.
  • It covers pothole damage.
  • Collision coverage can be expensive, but you can save on premiums by choosing a $500 or higher deductible.
  • Is not required by law.
  • Peace of mind for extra coverage.

On the other hand, below are some reasons why maybe you should not get collision coverage:

Cons

  • It cost more money.
  • Collision insurance costs a lot more than comprehensive insurance coverage since collision claims are more common.
  • It does not cover theft, fire, falling objects, or vandalism.
  • It does not cover hail, floodwaters, wind, tornado, or hurricane damage.
  • It does not cover wear and tear, mechanical failure, electrical failure, or custom equipment.
  • It will not cover personal items damaged or stolen from your vehicle. If that happens, you can claim under your homeowners or renter’s insurance.
  • Some financial lenders will require you to get this type of insurance if you finance or lease a car.
  • Some insurance companies will have you buy collision insurance and comprehensive insurance coverage together. Therefore, you cannot just buy one coverage without the other.  You must pay for both collision and comprehensive insurance.
  • If the value of your vehicle is low, collision insurance might not be worth it. For instance, if your vehicle is worth less than $1,000.00, paying a $1,000.00 deductible is not worth it, as you would pay less to fix it.  In this instance, you should not claim collision insurance since your rate might increase.
  • Collision follows the car, not the driver. For example, if you lend your car to someone, and that person has an accident, your car insurance policy will be used and most likely will affect your future insurance rates.

On the other hand, comprehensive insurance is the type of insurance coverage that helps pay to replace or repair your vehicle if it is stolen or damaged in an incident that is not a collision.  Comprehensive coverage generally falls under “ acts of God or nature,” or things that are typically out of your control when driving.  For example, a spooked deer, a heavy hailstorm, or even carjacking, vandalism, glass damage, or any object falling off a vehicle are paid under comprehensive insurance coverage.

For example, let’s consider two hypothetical events: First, a heavy telephone pole was blown down and fell on your vehicle, and second, you swerved to avoid a falling tree and wound up crashing into a guardrail.  In the first event, you could not control when or why a tree fell on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you drove the car and swerved into the guardrail. This makes it a collision, and collision insurance pays for the damages.

If you do not carry collision coverage and are at fault in an auto accident, collision coverage is the only way to pay a car insurance company.  Unfortunately, without collision coverage, you will have to pay out of pocket for the property damage to your vehicle or even to replace your vehicle. If you put a claim with your insurance company under your collision coverage, you will have to pay your deductible, and then your coverage will pay the balance for the repairs or the total loss of your vehicle.

Moreover, it is also important that you know that most insurance companies will pay for your vehicle by using the Actual Cash Value (ACV) of the vehicle and not the Replacement Cost Value (RCV).  What does this mean?  Insurance companies use Actual Cash Value to determine the value of the insured property and the amount the insurance company will pay in the event of a loss.  By definition, ACV is calculated one of three ways: “(1) the cost to repair or replace the damaged property, minus depreciation, (2) the damaged property’s “ fair market value” or (3) using the “ broad evidence rule,” which calls for considering all relevant evidence of the value of the damaged property.  On the other hand, Replacement Cost Value (RCV) is used by insurance companies to guarantee a policyholder will receive the full amount necessary to replace covered damaged items “like” kind or quality.

Also, knowing when you should get rid of collision insurance coverage is important.  Even if it is worth it now, you should always re-evaluate your coverage as your car ages; once the value of your car has diminished or depreciated, you should drop collision insurance from your auto insurance policy.  For instance, if the cost of your collision coverage is 10% or more of the value of your car, then you should probably drop collision coverage. If you lease or finance your vehicle, you must carry collision coverage.  However, if you own your vehicle, collision insurance is usually optional.

If you have been injured in an auto accident and your insurance does not provide coverage as specified under your policy, speak to an experienced Central Florida personal injury and car accident lawyer at Trial Pro.  Call us at Trial Pro, P.A at-1-800-Trial-Pro.



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With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

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We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

What Our Clients Say

What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
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"Trial Pro satisfied client 2021"
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In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

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We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
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It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
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Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

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Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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 Our Locations

Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info

250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


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Trial Pro, P.A. Car Accident Attorneys

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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.