It’s a common favor: “Hey, can I borrow your car real quick?” You toss them the keys and don’t think twice. But in Florida, lending your vehicle can create serious legal consequences—especially if the driver causes an accident.
In this blog, we explore why who you lend your car to matters more than most people realize, and what could happen if you lend it to someone unlicensed, uninsured, or intoxicated.
Why Car Owners Can Be Held Liable
In Florida, insurance follows the car—not the driver. That means if someone crashes your car, your insurance could be on the hook first.
But it doesn’t stop there. If the driver was:
- Unlicensed or driving on a suspended license
- Under the influence
- Known for reckless driving
- …then you, the car owner, might be held personally liable for injuries, property damage, or even wrongful death.
Examples of Real Risk
- Your friend gets in a DUI crash with your car → your insurance may not cover it.
- You lend your car to someone with no license → you could be sued for negligence.
- Your teen lets their friend drive your car without asking → you’re still the one legally responsible.
Tips Before You Lend Your Vehicle
- Always ask if the person has a valid license
- Make sure your policy covers occasional drivers
- Never lend your car to someone under the influence or uninsured
- Understand that once your car is out of your hands, the legal responsibility may still be yours
Conclusion:
A simple favor can become a legal nightmare. Before lending your vehicle—even to someone you trust—know what’s at stake. If you’re already facing the fallout from someone else’s accident in your car, get legal help now to protect your rights and finances.
The post Can Lending Your Car Put You at Legal Risk? What Florida Drivers Need to Know appeared first on The Injury Advocates.
