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The answer is a little more complicated than just yes or no. It’s helpful to think of your car insurance as your car’s insurance, not your own. If you have valid auto insurance and someone (who has your permission to drive your car) is in an accident with your vehicle, they will be covered from the time your car is insured.
Someone With No Insurance Hit My Car
What really matters in a car accident in Florida, especially if injuries occur, is the other driver’s insurance. If their policy limits are reached, then liability becomes a much more important factor in determining who should cover additional damages.
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Policies may have different rules regarding coverage extended to drivers not listed in the policy. Some policies may only provide partial coverage, while others provide essentially the same coverage to drivers who are not included in the policy.
If you frequently allow others not listed on your policy to borrow your vehicle, you should consider contacting your insurance provider for clarification on the specific rules of your policy.
The state of Florida is a no-fault state, meaning that in the event of an accident, each party, and in this case each driver, is required to file a claim with their respective insurance provider, regardless of who is at fault.
Florida’s no-fault law puts it in a pretty exclusive club. Most other states use a fault-based system. In a fault-based state, the entire burden of financial restitution is borne by the responsible party, or the party deemed at fault based on the driver’s report, police report, and witness statement.
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If your friend borrows your car and someone runs a red light and hits them, your insurance will cover property damage and medical expenses up to your policy limits. Once your policy limits are reached, your friend has the right to take the other driver to court to receive additional compensation for medical expenses, lost wages, pain, and suffering.
If your friend causes the accident, they are the ones responsible for the damages they cause once the other driver’s policy limits are reached – not you.
It’s important to remember that if your friend has an accident in your car, it will affect your premiums. To the insurance company, it doesn’t matter whether you or your friend caused the accident; after all, it was the car they insured that was involved.
This basically means you either give the driver permission to use your car, or you don’t give them permission. Many auto insurance policies provide coverage to anyone you allow to use your vehicle under “permissive use terms.”
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Insurance companies are concerned about this scenario, which is why some require everyone of driving age in a household to be listed on an auto policy.
The minimum auto insurance policy limits required for all drivers in Florida are $10,000 for Property Damage Liability (PDL) and $10,000 for Personal Injury Protection (PIP).
Florida has the lowest minimum driving requirements of any state outside New Hampshire, requiring no mandatory auto insurance for all drivers or any special restrictions. This is partly due to the no-fault laws we have.
You are responsible for damages resulting from a car accident, regardless of whether it was your fault. You have the right to carry minimum coverage or purchase multiple coverages. In other states, where other drivers may be forced to rely on at-fault driver coverage, there are more incentives to require everyone to cover higher policy limits.
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PIP coverage also covers any injuries suffered by passengers in your vehicle as well as injuries you suffer if you are injured as a pedestrian.
Collision insurance is separate (and not required by state law) and will apply if damage to your vehicle exceeds the PDL policy limits, regardless of whether you or someone else is driving.
Florida does not require its residents to carry bodily injury liability coverage, which would pay for medical expenses caused by the policyholder that exceed the other driver’s PIP.
If someone causes an accident using your vehicle, you don’t have bodily injury liability coverage and the other driver’s (or his passenger’s) medical costs exceed their PIP limits, then the person driving your car will be responsible for additional damages – not you the owner.
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If the driver of your vehicle does not have their own PIP limit or is driving impaired, it is likely that their driver’s license will be suspended and they could face various fines or other charges as a result. “Expert verified” means our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board consists of a panel of financial experts whose aim is to ensure that our content is always objective and balanced.
Written by AJ Dellinger Written by AJ Dellinger Arrow Senior Contributor, Personal Finance AJ Dellinger is a contributing writer for . AJ writes about auto loans and real estate. AJ Dellinger
Edited by Lisa McArdle Edited by Lisa McArdleArrow Senior Editor, Insurance Lisa McArdle is an insurance editor who joined the team in 2023. She has more than 15 years of experience writing, editing and managing content across a variety of industries, including insurance, automotive news and culture pop. Connect with Lisa McArdle on LinkedIn Linkedin Lisa McArdle
Reviewed by Mark Friedlander Reviewed by Mark FriedlanderRight Arrow Director of corporate communications, Insurance Information Institute Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Connect with Mark Friedlander on Twitter Twitter Connect with Mark Friedlander on LinkedIn Linkedin About our review board Mark Friedlander
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