That's because, in Florida, car insurance follows the vehicle first and then the driver. So, if you allow someone else to drive your car and they have an accident, your insurance policy will cover that driver and your vehicle, even if they're at fault. In certain cases, you may be held personally liable if an accident involving your vehicle exceeds your insurance coverage. For example, you could be sued for damages caused in an accident if you allow an unlicensed driver or a driver under the influence of drugs or alcohol to drive your vehicle.
Because Florida is a no-fault state when it comes to car accidents, drivers must have car insurance that pays for personal injury protection (PIP) benefits. To file an injury accident claim against another driver, your injuries must be significant, life-threatening, or permanent. If you have car insurance for your own vehicle, your personal injury protection (PIP) coverage should also cover your accident. Pain and suffering), are not covered by the PIP, but can be collected by a lawsuit against the other driver if your injuries exceed your PIP coverage or if your injuries are especially serious.
However, if another driver caused the accident and your injuries exceed the serious injury threshold in terms of severity, you may have reasons to file a legal claim for additional compensation. If either spouse causes a car accident while driving the car, both spouses can be held liable for any personal injury.