Visitor Question

RV accident in USA while on vacation…

Submitted By: Nancy (Key Largo, Florida)

We are from Ontario but were in an accident while on vacation in Florida on January 25, 2015. We were in an RV and it was 100% the other driver’s fault, as we were camping at the time. We are supposed to be in Florida until March 15, 2015.

Can we get compensation for our time lost on vacation, and what can we expect in the way of compensation for the items that were destroyed? Are they responsible to pay the full amount for a computer or can they depreciate it? How do we make sure the insurance pays a fair amount for all our damages and lost vacation time? Thank you.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Nancy,

The State of Florida is a no-fault insurance state. As a result, if you were carrying Florida liability insurance at the time of the accident, you must turn to your own insurance company for compensation.

Unfortunately, you can be quite sure your insurance company will not agree to compensate you for lost vacation time.

Your insurance company is also only obligated to pay the value of the computer or other personal items at the time they were damaged or destroyed. Unless you have a rider or separate insurance policy covering replacement of damaged personal property, you will only receive the depreciated value.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: February 18, 2015

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