Free Case Review Text us

Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Can Someone Who Is Not On My Insurance Drive My Car?

Frequently Asked Questions - Can Someone Who Is Not On My Insurance Drive My Car?

Picture this: You’ve just agreed to let someone borrow your car and as they drive away you wonder, “Can someone who is not on my insurance drive my car?”  Most people just assume that it is ok, some overlook the possibility of anything bad happening, and others are just too afraid to ask.  For the most part, yes, you can let someone who is not on your insurance drive your car. But there exists a more important question: is the person borrowing your car covered by insurance?  While insurance policies vary, this question is usually answered by the section in your insurance policy that defines who an “insured person” is.   In a policy without exclusions, an “insured person” will often include: you, a relative, or person using the insured automobile with your express or implied permission within the scope of your permission.

Typically family members will be covered unless you specifically exclude certain family members from your policy.  Non-family members require your consent (express or implied) to drive your vehicle.  On top of that, they will only be covered if the use of your vehicle falls under what you authorized them to use it for.  For example, coverage may be denied if someone borrowing your car decides to take your car to the amusement park when you only gave express permission allowing them to go to the grocery store to pick up food and come right back home.  On the other hand, implied permission is when you commonly allow someone, such as a roommate, to borrow your car and you give them access to your vehicle (ex. by leaving the keys on the counter for them). 

The definition of an insured person in your policy answers the basic premise of our original question.  But you, as the policy holder and car owner, should be aware of different circumstances that place you at greater risk.  These various conditions shed light on important details to consider before you give up the keys to another person.

In the State of Florida, Statute 322.36 states that a person may not allow an unlicensed person to drive their vehicle.  Not only would you be on the hook for $500 in fines or possible jailtime, an accident caused by you permitting an unlicensed driver drive your vehicle will most likely not be covered by your insurance policy.  So before you let a person you don’t know quite well drive your car, it might not be a bad idea to ask to see their driver’s license to ensure it actually exists and that it is current. 

It’s a good idea to have a basic understanding of the different types of insurance before you let someone drive your car.  If someone driving your car has their own insurance, then their own personal injury protection coverage would initially cover their medical bills in the event of an accident.  This is due to the fact that Florida is a no-fault state and everyone is required to have personal injury protection insurance (PIP).  PIP covers yourself, your immediate household and people in your vehicle at the time of an accident if they do not have their own Personal Injury Protection.  If the person borrowing your vehicle does not have their own insurance, then your PIP would begin to cover medical bills.  It is important to keep in mind that a serious accident with significant injuries can eat through basic PIP insurance rather quickly.  This is mostly due to the fact that Florida only requires drivers to have only $10,000 in PIP benefits.  While $10,000 sounds like a lot, it is not uncommon for medical bills to go over $50,000.  This is especially true when a surgery is involved.

Another risk to take into consideration is the potential lack of underinsured and uninsured motorist coverage.  UM insurance covers you in the event you are struck by a vehicle that does not have sufficient bodily injury liability coverage or if you involved in a hit and run.  Florida does not require uninsured and underinsured Motorist (UM) coverage so chances are you may not have the UM coverage necessary to cover a substantial accident.  All of the details regarding PIP and UM coverage plays a part with regards to our original question.  This is because if you lack UM coverage and an uninsured person driving your car gets into a serious accident, you may be held liable for the remainder of damages. 

You’re probably wondering why you could be held accountable for someone else’s negligence while driving your vehicle.  This is due to Florida’s “dangerous instrumentality” doctrine.  The “dangerous instrumentality” doctrine basically states, that an owner of a dangerous tool is responsible for the damages that the tool causes while it was loaned to another individual.  The “dangerous tool” in our case is your vehicle.  If someone negligently drives your car and causes an accident, you can be held vicariously liable for damages.  This is why it may be important to take into consideration your own insurance coverage before letting someone drive your car.  As mentioned before, if the person borrowing your car causes a major accident with massive damages and there isn’t enough insurance coverage available, the injured parties may start coming after your own pockets.

Letting other people drive your vehicle is a normal life occurrence.  As previously discussed, most insurance companies have made reasonable provisions in their policies to accommodate this very situation.  Despite this, you should not let generosity and lack of knowledge blind you to the inherent risks of letting another person drive your vehicle.  Compared to other states, Florida is quite lax in their requirements for automobile insurance.  Bodily injury liability and underinsured/uninsured motorist coverage are not required.  All that is required is $10,000 in personal injury protection and $10,000 in Property damage liability.  As discussed earlier, these basic limits requirements do not necessarily fully protect the driver or owner of the car in the event of a serious crash.  At the end of the day, its up to you to review your own insurance policy to ensure you have sufficient coverage and that the person you let drive your car will be protected as well.



Watch Video


Discover the TRIAL PRO Difference!

Call Now (407) 300-0000

Free Case Review

We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other location that you find more convenient. You are always welcome to come into our office as well. Contact us Today!

Free Case Review Text us

Car Accident Attorneys

With more than a century of collective legal experience and a commitment to hard work, excellence, and integrity, we have recovered millions of dollars in damages on behalf of our clients.
Our goal is to enable our clients to sit back and focus on their recovery, knowing that the team at Trial Pro, P.A. has the experience and resources to effectively handle all of the legal details involved in their case.

Personal Injury Law

We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively.

Car Accident Attorneys

Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations.

Slip and Fall Accidents

Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

What Our Clients Say

What Our Clients Say About Our Personal Injury Attorneys

"From the beginning we knew we were in good hands."
Clarence,
Personal Injury Case
Trial Pro got me $491,000
"I wouldn't be where I am today without Trial Pro."
Clarence,
Personal Injury Case
Trial Pro got me $998,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,900,000
"We are really glad that we choose you guys to represent us."
Nicole,
Personal Injury Case
Trial Pro got me $1,000,000
"Trial Pro makes sure you get what you deserve."
Ashley,
Personal Injury Case
Trial Pro got me $795,000
"Trial Pro satisfied client 2021"
Client,
Car Accident Case
Trial Pro got me $1,510,000
"When I hired Trial Pro, I didn't have to worry about anything."
Mark,
Motorcycle Accident Case
Trial Pro got me $810,000

Our Personal Injury attorneys have been featured in numerous publications

Call Now (407) 300-0000

Personal Injury Attorneys

Committed to Your Personal & Financial Recovery


Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

Mobirise

Orlando Personal Injury Attorneys

After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.

Serious Representation
We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
Unmatched Case Results
Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
Committed to Our Clients
It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
Compassionate In & Out of Court
Our objective is to enable our clients to relax and concentrate on healing, recognizing that the legal professionals at Trial Pro, P.A. holds the knowledge and resources to adequately tackle all the legal and financial specifics associated with their dispute.

Pursuing Client Victories

Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

Free Case Review Text us

 Send Message
* The following info is required

 Our Locations

Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.


Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801


Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602


Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108


Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912


Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

Contact Info

250 N Orange Ave, 14th Floor

Orlando, FL 32801

help@trialpro.com

(407) 300-0000


Our law firm fights aggressively -- always determined to win your case. 

Trial Pro, P.A. Car Accident Attorneys

Trial Pro, P.A.

The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.