Florida Auto Insurance Covers Cars, Not Drivers

Posted in Auto Insurance

July 21st, 2009

All Florida drivers know that they need to have car insurance, but even after getting the proper car insurance coverage they still might be fuzzy on what their policy actually covers. For example, many people are unclear as to whether their car insurance covers themselves only, or if other drivers of their car are covered too.

The answer to this question is that your car is insured, so if you lend it to a friend, for example, and that friend gets into an accident, then your car is covered. The accident will most likely still affect your car insurance premiums, of course. Car insurance rates are affected by all accidents, not just the ones you’re involved in. In terms of letting another driver use your car on a more frequent basis, however, you need to add them to your car insurance policy, particularly if this frequent driver lives with you. Adding them to your policy could affect your car insurance rates, particularly if they get into accidents often. Adding a teenage son or daughter to your policy will almost surely have an impact on your insurance rates. If that person is not a teenager but has a problematic driving history, then that could very easily make your car insurance rates go up as well.

Many Florida residents are struggling to make ends meet in these challenging economic times, and they’re looking for ways to save money wherever and whenever they can. Some people can no longer afford to make their car payments, and are getting rid of their cars. They solve their driving needs by sharing the use of a car belonging to friends and or family members. Everyone in this position needs to consult with their car insurance provider directly in order to understand the ins and outs of multiple drivers for one car. If you’re not a Florida resident and are experiencing the same situation, be sure to consult with your provider immediately.

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