Guam Complaint regarding Auto Accident for Negligence - Guest Passenger against Both Drivers
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FAQ
Insurance applies to the vehicle. So, if someone else is driving your car, and they get into a collision, it will be your insurance that will apply. This is because, in Florida, car insurance follows the vehicle first and the driver second.
Due to Florida's no-fault laws, your insurance will pay for your auto repair after an accident you did not cause in Florida. However, if the costs of damages exceed your policy limits, you may qualify to recover additional compensation elsewhere.
If you're injured in someone else's car, the damages you receive may come through your own PIP policy. However, if you're not a car owner or don't have PIP, you may still be covered by: The PIP insurance of the driver whose car you were in. A family member's PIP insurance.
You can sue an uninsured driver in Florida if you suffer serious bodily injuries and damages due to that driver's negligence. Suing an uninsured motorist does not always make financial sense, as the uninsured driver might not have enough resources to pay for the full scope of your losses or damages.
Some states classify as no-fault states, such as Florida. In these states, all drivers must carry a personal injury protection policy. In a no-fault insurance state, if you travel as a passenger of a vehicle involved in an accident, you may file a claim under the policy of the person who transported you.
