Lutz, FL asked in Car Accidents for Florida

Q: How do I minimize liability when letting my son drive my car in Florida?

My college-age son is on his mother's auto insurance (we are all in Florida). He wants to borrow my car several times per week to drive to school. I know based on Florida laws, if he gets in a wreck with the car it would go to my insurance before his mother's insurance. Is there any way to minimize my liability? Should I get additional coverages? Would it be better/worse/same if he switched to my insurance?

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1 Lawyer Answer
Erik A. Perez
Erik A. Perez
  • Personal Injury Lawyer
  • Coral Gables, FL
  • Licensed in Florida

A: If he is involved in an accident in your car, both his insurance and your insurance may provide coverage, as you both may be named defendants in a lawsuit. You will have to review your policy to confirm there is coverage under those circumstances and it does not fall under a policy exclusion. If you would like to limit exposure to out-of-pocket expenses in the event of a judgement, it may be advisable to increase the policy limit and obtain more coverage. It likely doesn't matter if he uses your insurance or his mothers insurance, I would just confirm a high policy limit and coverage for those circumstances.

Charles M. Baron agrees with this answer

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