It’s not uncommon to let a friend, family member, or even a coworker borrow your car. But what happens if that person gets into a car accident while driving your vehicle in Miami? The answer depends on several factors, including the circumstances of the accident, your insurance coverage, and who was at fault.
1. Florida Follows the “Vehicle Owner’s Insurance First” Rule
In Florida, car insurance follows the car, not the driver. This means that your insurance will typically be the first to cover damages and injuries resulting from an accident—even if you weren’t driving.
2. Your Insurance May Cover the Accident
If the person had your permission to use the vehicle, your auto insurance policy—especially your liability and Personal Injury Protection (PIP) coverage—will likely apply first. This could cover:
- Damages to the other driver’s vehicle
- Medical expenses for those injured
- Legal fees if a lawsuit is filed
3. Secondary Coverage May Apply
If the damages exceed your policy limits, the driver’s personal insurance (if they have it) may act as secondary coverage to help with remaining costs.
4. Exceptions to Coverage
Your insurance may deny coverage if:
- The driver did not have your permission
- The driver was excluded from your policy
- The person was using the car for commercial purposes (like delivery or rideshare)
5. What If the Other Driver Was At Fault?
If another driver caused the accident, their insurance should cover the damages. However, your insurance might still step in initially under Florida’s no-fault PIP system.
What to Do After an Accident Involving Your Car
- Collect accident details and a police report
- Notify your insurance company right away
- Have the driver explain exactly what happened
- Contact a car accident attorney if injuries or major damages are involved
Need Legal Guidance? We’re Here to Help
If someone else was driving your car and got into an accident in Miami, let Hairston & Crooks Legal Group help you understand your rights and navigate your insurance.
📞 Call 305-HC-MONEY (305-426-6639) or visit hclegalgroup.com for a free consultation.
Your vehicle, your policy, your peace of mind—let’s protect it together.
