What happens if someone else is driving my car and gets in an accident
If someone else is driving your car and they get into an accident, you will be held responsible for any damages that occurred in the accident.
Under Florida Statute § 324.021, if you lend your vehicle to another person, you can be held liable for any damages or injuries caused by that person’s negligence, up to $100,000 per person, $300,000 per incident for bodily injury, and up to $50,000 for property damage.
However, liability only applies to you as the owner if the driver had your explicit or implied permission to operate the vehicle. If the driver took the car without your consent, you cannot be held liable for their negligent operation of your vehicle.
In terms of insurance coverage, most Florida auto insurance policies extend permissive use to anyone driving your insured vehicle with your permission.
More information: https://www.flhsmv.gov/insurance/involved-in-a-crash/
