What Happens if Someone Else is Driving my Car and Gets into an Accident?
Uncategorized   |  July 11, 2023
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What Happens if Someone Else is Driving My Car and Gets into an Accident?

Navigating a Car Accident when Someone Else is Driving Your Car

Car accidents are a regular occurrence on Florida’s roads, with numerous variables adding complexity to these unfortunate events. One such situation is when another person is behind the wheel of your car and becomes involved in an accident. 

Protect yourself from any legal challenges related to your car accident case. With years of experience, Kemp Law Group is here to help. Call us today at 727-847-4878 free of charge or obligation to discuss your car accident case.


Navigating a Car Accident when Someone Else is Driving Your Car

Responsibility in a Vehicular Accident

The crux of responsibility in a car accident in Florida revolves around insurance coverage and the nature of permission given to the driver. Insurance policies generally cover the car rather than the driver. Therefore, your insurance would typically be responsible for covering the damages if the person driving your car had your permission.

However, if the driver is not insured and causes an accident, the insurance company may deny the claim, leaving the owner responsible for the damages. Consulting with a car accident lawyer in Florida can help clarify the nuances of these scenarios.

Significance of Understanding the Insurance Policy

The majority of insurance policies cover permissive drivers – those who have the owner’s explicit or implicit consent to operate the car. But it’s crucial to grasp the specifics of your insurance policy. Some policies limit permissive use to sporadic drivers, while others may proffer no coverage for drivers not enumerated on the policy. 

Vehicular Collision in Florida: Non-Permissive Use

The situation escalates in complexity if the person operating your car did not have your consent. In this circumstance, your insurance company might refuse to cover the damages. If an individual stole your car and got into a collision, you would typically not be accountable for the damages.

Hit and Run Attorney and Uninsured Operators

If an uninsured operator is at the wheel and a vehicular collision occurs, or if the other driver deserts the scene (hit and run), your insurance may need to cover the damages under your Uninsured Motorist coverage. A hit-and-run attorney can assist in maneuvering the legal complexities that arise in such circumstances.

Secondary Insurance and Florida Vehicular Collision Attorney

In some instances, the driver’s insurance might act as secondary coverage. If the costs of the accident surpass your policy limits, the driver’s insurance may cover the remaining amount. However, every case is unique, and a vehicular collision attorney in Florida could provide invaluable advice tailored to your situation.

Factors Influencing Insurance Rates after a Vehicular Collision

Your insurance rates may surge after a collision, even if you weren’t the one operating your vehicle. Multiple factors come into play, including:


  • The intensity of the collision

  • Whether the operator is appended to the policy

  • The driving record of both the owner and the operator

  • The necessity of swift reporting and legal consultation


Following a vehicular collision, swift reporting to the police and insurance company is vital. Documenting the incident meticulously and consulting with an attorney can assist in protecting your interests, particularly if another individual was operating your vehicle.

Advice for Vehicle Owners 

  • Only permit responsible, insured individuals to operate your vehicle

  • Comprehend your insurance policy in detail

  • Seek legal advice if another individual incurs a collision in your vehicle

Florida’s No-Fault Law and Vehicular Collisions

Florida operates under a no-fault system, signifying your insurance will cover your damages irrespective of who caused the collision, up to the policy limits. However, the no-fault law only applies to personal injury protection. Property damage is still premised on fault, and a driver who causes a collision may be held responsible for property damage.


1. What transpires if another individual is operating my vehicle and incurs a collision in Florida?

Your insurance will predominantly cover the damages if the individual had your consent to operate the vehicle.

2. What should I do following a vehicular collision in Florida?

Report the collision to the police and your insurance company promptly. Consult with a vehicular collision attorney to understand your rights and responsibilities.

3. What transpires if an uninsured operator is operating my vehicle and causes a collision?

Your insurance may cover the damages under your Uninsured Motorist coverage. If the costs surpass your policy limits, you could be held answerable for the difference.

4. What does Florida’s no-fault law signify for vehicular collisions?

Your insurance will cover your damages up to your policy limits, irrespective of who caused the collision. But this only applies to Personal Injury Protection. Property damage is still premised on fault.

5. Can my insurance rates surge if another individual caused a collision in my vehicle?

Yes, your rates may augment depending on various elements, including the intensity of the collision and the driving records of both you and the operator.


Remember, it’s a risk to let others operate your vehicle. You may be opening Pandora’s box if they are not insured or don’t handle your vehicle responsibly. The law is pretty clear about it. You may have some responsibility when someone else is driving your car and an accident occurs. So it’s crucial to be cautious and informed when letting others operate your vehicle.

Locating the Best Car Accident Lawyer 

If you or someone you know has experienced a car accident, contact Kemp Law Group personal injury lawyers at 727-847-4878 today. Our award-winning track record proves that we are capable of handling your case and obtaining the compensation you deserve.

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