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Am I liable for damages if I loan my car to someone who causes an accident?

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Understanding the legal liability of a Florida vehicle owner

 Almost ninety years ago, the Florida Supreme Court adopted what is known as the "Dangerous Instrumentality Doctrine". This legal concept is still in effect today, and has significant consequences for a vehicle owner who may allow his or her vehicle to be driven by someone else.

Briefly stated, this law imposes liability upon the owner of a vehicle who, either by express or implied consent, authorizes another person to operate the vehicle. Therefore, if a friend asks to borrow your car and that friend causes an accident, you are generally liable for the injuries and property damage caused by the friend’s negligent operation of your vehicle. This concept also applies in parent / child situations where the parent owns a vehicle driven by his or her child.

 

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What Should I do if I am involved in a traffic accident?

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Understand what you should do before and after a Florida traffic crash to better protect yourself and your family

The Florida Department of Highway Safety and Motor Vehicles has reported that there were 366,917 drivers involved in Florida traffic crashes in 2007.   This figure does not account for passengers or pedestrians who may have been involved or injured in these accidents.  The average number of traffic crashes in Florida that year was 702.  It therefore seems likely or even probable that if you drive on Florida’s road system, you will be involved in an accident at some point.  Although you can’t always be prepared for accidents resulting from negligent drivers, you can be prepared to properly handle your interests and concerns after such a crash.

 

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Automobile Insurance Coverage

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Gain a better understanding of the different types of automobile insurance coverage that may be purchased in Florida. 

Current Florida law requires that the owners of automobiles purchase basic Personal Injury Protection and Property Damage coverage. Additionally, there are other optional coverages that are available, depending on your needs.  This brief article is designed to summarize what each of these options will provide coverage for, in the event of an automobile accident. 

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