If you have an accident while driving someone else's car, Florida laws say you must be covered with the vehicle owner's insurance. According to state statutes, personal car insurance follows the vehicle first and the driver second. Whether the driver is covered by your car insurance policy depends on your specific policy. However, in general, anyone who lives in your home will be covered by your insurance policy when you drive your vehicle.
In fact, many insurance companies require that everyone in your household of driving age be listed on your policy.
car insurancegenerally follows the car in Florida. The types of auto insurance that follow the car in Florida are collision liability, comprehensive liability and property damage. You Must Have Property Damage and Personal Injury Protection in Florida.
PIP follows the driver, unlike liability coverage. Usually, even if the person driving your car has their own insurance, your insurance will be the main payer for the damage caused by your vehicle; but, the person driving your car must be found legally guilty before your insurance pays. Driver's insurance is secondary and may cover some personal injuries or medical expenses. It can also provide coverage greater than your insurance coverage, if the cost of damage caused by your vehicle exceeds the limits of your policy.
The only two forms of insurance required are personal injury protection (PIP), which pays your own medical bills after an accident, and property damage liability, which covers damage you cause to other people's property. Unlike almost every other state, Florida doesn't require bodily injury liability insurance, but we still recommend drivers have it. While you are the client of the insurance company, your insurance adjuster is not exactly on your side. If you still don't have enough coverage to meet the state's FR-44 requirements, you'll need to purchase additional insurance.
No, the state of Florida's minimum insurance requirements are often not sufficient to protect drivers in an accident. In Florida, you may be able to sue for pain and suffering resulting from an accident, but there are stricter limits than in many other states. If your insurer doesn't hear about your teen driver until he or she is involved in an accident, this can be a big problem. If you are financing your car, your lender will ask you to have a full coverage policy, so it is important that you do the CARCO inspection as soon as possible to ensure that your coverage is not canceled.
If you let someone borrow your car and cause an accident in Florida, personal injury liability insurance pays for the injuries of the other driver and their passengers. The resale value of your vehicle decreases after an accident, even if you weren't at fault, so a diminished value claim allows you to recover the losses you are likely to experience when selling your car. It is necessary to plan ahead and obtain sufficient insurance before an accident to ensure full coverage. Florida operates under the doctrine of comparative fault when it comes to determining how much a person can recover for their injuries.
Give your license plate to the nearest driver's license office and motor vehicle service center or tax collector's office BEFORE canceling your insurance to avoid suspension and reinstatement charges. It's important to customize a car insurance policy to fit your individual needs rather than buying a one-size-fits-all policy. To be eligible to sue the other driver, injuries sustained to the driver of your car must be permanent, life-threatening or very serious. .