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Florida insurance laws and injuries when someone borrows your car. Florida is a no-fault state. All owners of vehicles registered in the state carry personal injury protection coverage in the amount of $10,000 as part of their automobile insurance policies.
If you permit another driver to use your car, and an accident occurs, you have to file a claim with your own insurance company. Your policy covers the majority of medical bills, property damages, and other expenses. However, if losses reach a certain threshold, you can make a claim against the at-fault driver.
A car owner is strictly vicariously liable if the driver's negligence causes your damages in a Florida crash. This law is called the dangerous instrumentality doctrine. A person whose name is on the certificate of title as an owner or co-owner is a beneficial owner with the right to control the vehicle.
In the state of Florida, car insurance follows the vehicle, not the driver. If you let someone drive your car and he or she gets into an accident, your car insurance policy will cover that driver and your vehicle if they are at fault.
Some require the names on a car's insurance policy and registration to match. If they do not, then you won't be able to insure that car. Other states, such as California and Florida, do not have that rule, making it possible to insure a car that is not in your name.
In Florida, PIP coverage is required to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault.
Florida is joining the ranks of 29 other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.
Anyone can get into a car accident at any time even a friend or family member who you trust to drive your car. If you lend your vehicle to a loved one and an accident occurs, regardless of who's at fault, it's important to take the right steps to ensure you're legally protected under Florida law.
For general media inquiries, please email hsmv-info@flhsmv.gov or call 850-617-3102. For after hours and weekend inquiries, please include Aaron Keller and Capt. Bergstresser on your email to ensure your request is received.
Go online and update your information on the DHSMV website. Mail your information in response to the warning letter you received from DHSMV. Take physical proof of insurance to a Florida driver license office in your area. Call (850) 617-2000 and use DHSMV's automated system to update this information.