Articles Tagged with insurance

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627.7288 Comprehensive coverage; deductible not to apply to motor vehicle glass.

“The deductible provisions of any policy of motor vehicle insurance, delivered or issued in this state by an authorized insurer, providing comprehensive coverage or combined additional coverage shall not be applicable to damage to the windshield of any motor vehicle covered under such policy.”

What this legal jargon means is if you have comprehensive or combined additional coverage, there is no deductible for repair to any vehicle covered under such policy.  Why does it matter to you and why should it?  Number one, no deductible means no out-of-pocket expense to the insured.  It sounds fairly simple.  But often times it is not.  Most insurance companies seek to direct you to their vendor, which on its face is okay, but the problem comes when you decide you want to use your own vendor.  Services provided may range from the repair of a chip to the obviously more costly replacement.

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As a college student, I became interested in pursuing a career in law.  I consulted with my uncle and being totally naïve about personal injury I asked a series of questions.  My initial question was how people of relatively modest means were able to afford counsel for their defense.  My uncle responded by saying that most, if not all, who had counsel, likely had insurance coverage which provided a defense of its insured.   And most people in the community knew insurance was going to pay and judgments were likely higher as a result.