Is it you that is insured by your car insurance company, or is it the vehicle that you are driving that is insured? Depending on what state you live in, the answer may be different.
According to the Miami Herald, in Florida, the vehicle is insured by car insurance, not the driver of the vehicle.
In Florida, vehicle, not driver, is insured
Q. In Florida, is the vehicle or the driver insured? My daughter recently relinquished her auto tag because she can’t afford to own a car while on unemployment. She canceled her auto insurance at the same time. She occasionally drives my car and a friend’s.
Must she still have insurance?
– JCF, Homestead
A. We spoke with an advisor working for the state of Florida’s consumer hot line. He said that in Florida it is the vehicle and not the driver that is insured.
If your daughter lives with you, then you need to contact your insurance company and put her on your policy. If she does not, then she will be covered under your insurance as a visiting driver. The same is true regarding using her friend’s car. If she is living with her friend, the friend needs to contact his or her insurance provider. If not, your daughter is still covered.
If you are wondering what the best way to save money on your Florida car insurance is, you can start by getting your free Florida car insurance quote. It only takes seconds and is absolutely free with no obligation. Find out if you are paying too much for your current Florida car insurance.