Rear-Ended and Totaled: What Insurance Really Pays

If your car is totaled in a rear-end crash, insurance usually pays fair market value, not what it costs to buy a new car. In Florida, that means the value of a similar make, model, and condition—not replacement price. Recent upgrades, like a new engine or rims, may increase value, but routine maintenance does not. Personal items inside the car—like a laptop, phone, or musical instrument—are often covered under property damage. It’s also critical to protect your injury claim and use your PIP benefits within 14 days. If you’re unsure what to do next, contact Perry & Young. Reach out with questions or if you need help with your case.