Does Car Insurance in Florida Cover the Car or the Driver?

According to a recent study, Florida is one of the most dangerous states to drive in the entire country. It’s not quite as bad as, say, Mississippi, Louisiana, or South Carolina, which was named the worst state for drivers. But it ranks in the top 10.

With this in mind, you should make sure you have enough auto insurance coverage. It’ll be important for you to invest in a Florida car insurance policy that’ll provide you with the protection you need.

You should also know the answer to the question, “Does insurance cover the car or the driver in Florida?” Not all Florida drivers have the slightest clue as to what the answer might be.

So, does insurance follow the car or driver in Florida? We’re going to figure out the answer in this article. We’ll also answer other questions like, “Can you drive someone else’s car without insurance in Florida?”, in the process.

Continue reading to learn more about how Florida car insurance works.

Does Auto Insurance Cover the Car or the Driver in Florida?

If you’re ever involved in a car accident while driving a vehicle that isn’t yours, you might wonder, “Does auto insurance cover the car or the driver in Florida?” Likewise, you might find yourself wondering, “Does insurance follow the car or driver in Florida?”, if someone else is involved in an accident while driving your vehicle.

Generally speaking, you’ll be happy to hear that a Florida car insurance policy will cover the car that it’s purchased for as opposed to just the driver who owns it. This means that, if your car is ever in an accident, your car insurance policy should cover any costs associated with the accident no matter who was behind the wheel.

There are some very specific situations in which the answer to the question, “Does auto insurance cover the car or the driver in Florida?”, might change. For instance, if someone were to take your car without permission or if you were to take someone else’s car without permission and get into an accident, a car insurance company might deny claims stemming from an accident.

But more often than not, it’ll be the car and not the driver who is covered by a Florida car insurance policy in the event of an accident.

Is Your Vehicle Covered by Florida Car Insurance If Someone Else Is Driving?

Do you always get worried about letting other people borrow your car because you aren’t sure whether or not your insurance coverage will extend to them? You’ll be happy to hear that you shouldn’t have to stress out about this aspect of things too much.

As long as you have a car insurance policy for your vehicle in Florida, it should be covered regardless of who is driving it. Someone else can get into an accident in your vehicle, and you won’t need to be overly concerned about your car insurance company denying your claims.

There are, however, a few stipulations you’ll need to keep in mind. What we just said about someone else being covered under your insurance coverage will only apply if:

• You gave them permission to drive your vehicle
• You have a car insurance policy that provides the state minimum liability coverage
• You have the right level of coverage with your car insurance policy

The amount of damage done during a car accident and the injuries sustained during it might also impact how much insurance coverage your Florida car insurance company will provide. This is where things can get complicated.

You may want to bring in a car accident attorney in Miami to lend a hand. They’ll be able to go to battle with your car insurance company to make sure they don’t deny your claim or refuse to cover a portion of it when they’re legally required to set you up with a certain amount of insurance coverage.

Can You Drive Someone Else’s Car Without Insurance?

As we just explained, your vehicle should be covered by your Florida car insurance policy even if someone else is driving it. In Florida, car insurance follows the car rather than the driver.

Because of this, the same thing will also apply to you if you decide to drive someone else’s car. Whether you have a car insurance policy for your own vehicle or not, someone else’s car will be covered if they have the right level of insurance coverage and you get into an accident in their car.

That being said, all of the same stipulations that we just spelled out will still apply. Your accident in someone else’s car should be covered as long as:

• Someone else gave you permission to drive their car
• This person carries the state minimum liability coverage with their car insurance policy
• This person also has enough insurance coverage with their car insurance policy

If you do happen to have your own car insurance policy, there is a chance it might cover some of your accident in someone else’s vehicle as well. But this is, once again, where things can begin to get confusing.

If you feel as though your head is spinning every time you speak with your car insurance company, you should touch base with a car accident attorney in Miami you trust. They’ll be able to help you navigate your way through the process of filing a car accident claim and obtaining the compensation you’ll need to cover property damage, medical bills, etc.

Calil Law has plenty of experience in this area and can set you up with the legal help you need.

Contact Us to Handle a Florida Car Accident Case

Were you recently involved in a car accident in either your own vehicle or someone else’s car? Or was someone else involved in a car accident while driving your vehicle?

Either way, you’ll need help answering questions like, “Does auto insurance cover the car or the driver?” Calil Law is always here to help those in the Miami area with car accident cases. We can help you recover from a crash and allow you to get back on your feet in a financial sense at the same time.

Reach out to us today for a free consultation.