What happens if someone who isn't on your insurance crashes your car in Florida?
Asked by: Mr. Green Vandervort | Last update: August 16, 2025Score: 4.4/5 (7 votes)
Can someone drive my car if they are not on my insurance in Florida?
Q: What if I lend my car to someone who doesn't have their own auto insurance? Your insurance will typically still cover the driver, as insurance follows the car in Florida. However, if they cause an accident, it could impact your insurance rates.
What happens if someone else is driving my car and has an accident in Florida?
If someone else is driving your car and they cause an accident, your insurance policy will likely be the first to cover any damages. However, if the damages exceed your policy limits, and the driver does not have their own insurance, you could be left to cover the remaining costs out of pocket.
What happens if an uninsured driver crashes my car in Florida?
Getting in an accident with an uninsured driver in Florida when they're at fault adds another level of stress and frustration. What happens if someone hits you without insurance in Florida? In most cases, your insurance will cover an accident with an uninsured motorist in Florida.
What happens if someone not on my insurance crashes my car?
Your own insurance company's collision coverage would kick in and cover the damages up to your policy limit if they were the one to cause the crash. Even though you gave permission for them to use your own vehicle, you will face potential consequences, such as increased car insurance rates and insurance costs.
What if the Person Who Hit Me Has No Auto Insurance?
What happens if my friend borrowed my car and gets in an accident?
Usually, a car insurance policy covers the vehicle itself, not the person driving it, and that means the liability coverage (which is required by California law) should cover the friend. California is an at-fault state, which means the driver responsible for an accident is the one whose insurance will be the primary ...
What happens if someone wrecks your car and they aren't on your insurance Progressive?
Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits.
Who pays for car damage in Florida no-fault?
Florida is a no-fault state, which means each driver carries their own insurance to cover medical bills and car repairs up to a certain amount. More specifically,Florida Statutes § 627.736 requires drivers to carry PIP and property damage coverage policies of up to $10,000.
What happens if someone else is driving my car?
Liability When Someone Else Drives Your Car
When it comes to insurance coverage, policies in California typically follow the vehicle, meaning that your policy would cover damages even if someone else was driving your car.
Do car insurance companies sue uninsured drivers?
In the case of uninsured motorist claims, your insurance provider will conduct an investigation and may independently file a lawsuit against the uninsured driver to recover the expenses paid out for your claim. This legal process is known as subrogation.
What if my boyfriend drives my car and has an accident?
If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.
Can someone sue me personally after a car accident Florida?
Can You Be Sued Personally? Yes, you can be sued personally after a car accident, even if you have insurance. Florida law allows the injured person to sue both the at-fault driver and the owner of the at-fault vehicle. Under Florida Statute 324.021, the car owner's liability is capped at $600,000.
Does car insurance cover occasional drivers?
Yes. Whether it's occasional or on a regular basis, if you share your vehicle with other licensed drivers, you should add them to your auto policy. By listing a driver on your policy, you ensure that if there's a covered loss, you and the driver are covered.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
What happens if a driver is not listed on an insurance policy?
You regularly allow a family member or friend to drive your car, but they aren't named on your auto policy. If this person gets in an accident while driving your car, your insurance company will likely deny your claim, leaving you liable for the damages.
Do I have to add a driver to my insurance?
You should add any regular drivers of your car to your insurance policy so that damages from accidents are covered. Also, you can add any drivers that live at your permanent address, and most insurance companies will require it. Some states may allow you to exclude a driver from being covered by the policy.
What happens if someone borrows my car and has an accident?
Vehicle Owners Are Liable Under California Law
This law holds a vehicle's owner responsible for collisions caused by the driver of the vehicle – even if the driver is not the owner. Liability is determined by identifying the actual owner of the vehicle.
What happens if someone who isn't on your insurance crashes your car in California?
In most cases, your friend or family member who borrows your car will be covered by your car insurance if they are in an accident. When another driver is at fault, that person's car insurance should cover the damages caused by the accident.
Can my wife drive my car if she's not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Do I call the other person's insurance if they hit me?
Even in at-fault states, where the other driver's insurer pays, there are several reasons why you should always call your own auto insurance company first, including: Some insurers will help you negotiate a settlement with the other driver's insurance company.
What happens when a car accident wasn't your fault?
The first step is to get the other party's car insurance information and then report the accident. You should call 911 or the police to respond to the scene. You must also report the accident to both your own insurer and theirs. Generally, this will start the claims process with the at-fault party's insurer.
Will my insurance go up if the accident wasn t my fault Florida?
This is outlined in the Florida Statutes § 626.9541, which prohibits insurers from increasing premiums or canceling policies due to accidents where the insured was not at fault. This includes any premium increase for liability, PIP, medical payments, or collision coverage.
What happens if my friend drives my car and crashes?
If the borrower of your vehicle has an accident and another driver is at fault, California's fault rule comes into play. You and the borrower would both have grounds to file claims against the at-fault driver's insurance policy.
Can I drive my boyfriend's car if I'm not on his insurance?
If you're specifically listed on the car owner's insurance policy, you'll be covered when driving that car – even if it's not your own. If you're not on the owner's policy, applicable coverage will again depend on consent.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.