Does insurance cover my friend if I lend him my car?

Does insurance cover my friend if I lend him my car? On multiple occasions, we have been gathered with a group of friends and someone offers to help with an unexpected matter. “Let me borrow your car, and I’ll take care of it.” At other times, a friend’s car may be damaged or too small, and we offer ours as a solution. “Take the Toyota, and just return it to me when you’re done.”

But have we ever thought about what happens if our friend or family member has an accident? Will they be covered by our insurance?

According to the laws of Florida, if you lend your vehicle to someone, that person is protected by the owner’s insurance. “Auto insurance always follows the vehicle first and then the driver,” says the rule.

Since Florida is a “no-fault” state, each person involved in an accident is protected under their own Personal Injury Protection (PIP), regardless of who is at fault. Florida law also states that vehicle owners must have a minimum of $10,000 in PIP coverage to cover medical expenses, lost wages, and associated costs in case of an accident, both for the vehicle owner and their passengers, as well as for anyone borrowing the vehicle with the owner’s permission.

If you have any doubts about your auto insurance policy, consult with Univista Insurance. Remember, here you can also find the cheapest car insurance on the market. Does insurance cover my friend if I lend him my car?

Call us today for a full qualification! 305-508-9575. You can also quote for free here.