In Florida, a vehicle owner can be held responsible for a car accident caused by another person driving their car. Insurance coverage applies to the vehicle and its driver. . HOWEVER, car owner's insurance will provide primary coverage to the person operating the car (if that person had a license to drive).
The idea that the insurance policy follows the driver is a myth; in fact, it follows the vehicle. If you lend your car to someone, your insurance policy should provide primary coverage in the event of an accident, while driver's insurance would provide supplemental secondary coverage. She was the only one who had access to the car, they kept it in her garage, she had the only keys and the ex-husband never used it. However, the law states that you could be held responsible for a car accident caused by the negligence of the person who borrowed your car in the state of Florida.
For example, if the car owner allows someone who is obviously drunk to drive their car and the drunk driver causes an accident that injures another person, the injured person can hold the car owner responsible for their injuries, as well as the drunk driver. Victim lawyers like you delve into the details of car accidents to find out how they occurred and who should take financial responsibility for them. If the car owner was negligent in allowing another person to drive his car and the driver causes an accident that injures someone, the car owner may be personally responsible for the negligent assignment. Instead, talk to an experienced car accident attorney about your situation and your best course of action.
If you know how to pay your medical bills after a car accident in Florida, you'll know that the Department of Personal Injury Protection (PIP) would pay for some of your medical expenses and lost wages. If you've read this far, you probably now recognize that having an accident with a driver who isn't the owner of the car you're driving can lead to some legal complications. Despite the fact that the husband was not in possession of the car and was kept out of his immediate control, the Court found that, as long as he was a co-owner of the title, he had the right to control and access, and that was sufficient to justify being held responsible. Then, if the owner of the vehicle was the driver's employer and the owner allowed him to use the car knowing that the driver was dangerous or incompetent, or if the accident occurred in Florida, then it is very likely that the owner also has legal liability to the victims of the accident.
Since many cars in Florida are not required to have liability insurance for people with intellectual disabilities, a claim against the dealer may provide you with additional insurance coverage to pay your claim. Careful and diligent investigation may be necessary to determine who, exactly, could owe you financial compensation for your injuries and losses. However, the Court noted in this case that the purpose of the Dangerous Instruments Act is to burden those who are better able to control who drives the car (the owners of the title) with the responsibility of allowing only those who consider safe drivers to control the vehicle. If the person isn't covered by your policy, doesn't have their own insurance, is clearly intoxicated, or doesn't have a driver's license, don't borrow your car.
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