car accident in South Florida

Does Auto Insurance Cover the Car or the Driver in South Florida?

If you’re like most of us, you’ve either lent your car out to someone or borrowed a car at some point in your life. Maybe your car’s in the shop and you have no way to work. Or, you’re moving and need to borrow someone’s pickup truck. That’s what we do for friends and family. But what happens if someone gets into a car accident while driving someone else’s vehicle? Is their accident going to be covered under you auto insurance?

This is a question a lot of drivers ask. It’s also a question that car accident victims have to ask themselves from time to time. If someone crashes into your car while driving someone else’s vehicle, it can be scary. They may have no idea if their friend’s insurance company is going to cover your injuries. The good news is, your car accident lawyer in South Florida knows the answer to this question.

The Good News is that Insurance Follows the Car, Not the Driver

If you’ve been involved in any sort of car accident in South Florida, you’ll be relieved to know that insurance covers the car, not the driver. This means that, even if the other driver was borrowing a car at the time of the crash, your claim should be covered. For the most part, if a car is insured, it won’t matter who’s driving at the time of the accident.

Of course, there are exceptions to this rule. For example, if the car was stolen, then the owner’s policy probably isn’t going to cover any damages caused in a crash. Or, if the person driving didn’t have permission to drive the car, the owner of the car can dispute the claim. They’re not going to want to see their rates go up because someone crashed their car. But that doesn’t mean your car accident lawyer in Florida can’t get you damages.

Contact an Experienced Car Accident Lawyer in South Florida Right Away

If you find out the person who hit you wasn’t the owner of the car, call our office right away. There’s a good chance that you’ll run into trouble when it comes to filing your insurance claim. You may need to prove that the owner of the vehicle did give permission to use the car to the other driver.

Call and schedule your free initial consultation today.

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