Teen Car Insurance Davie Florida FL
Reader’s Question:
I gave my 17 year old daughter a car but it is under my name and she said she can carry the insurance on it in her name. Would I still be held liable in case of an accident? We live in Davie Florida.
Angela
Davie, FL
As the vehicle owner you could have vicarious liability meaning you may be liable for the negligent actions of the person (your daughter) using a car you own, even though you were not directly responsible for the accident.
There are other factors that can affect if you would be held liable if your daughter was in an accident in the car. Factors such as if she lives in your household with you, if your daughter is a minor, and if you claim her on your taxes as a dependant could likely make you liable as a parent to the actions of your teenage.
As for your daughter getting insurance, it would be best to make certain the limits are high enough so that if she was in an accident they would be covered properly. If they do not then as the owner of the vehicle you could be held liable for amounts in excess of the insurance policy limits.
Tags: auto insurance, automobile, teen insurance
Rental Car Insurance Miami Florida FL
Reader’s Question:
I was arrested for drunk driving recently in Miami Florida. The vehicle was a rental car in Miami and I had bought Optional Damage Waiver, Optional Supplemental Liability protection and Optional Personal Accident Insurance while renting the vehicle. I had no other auto insurance coverage. Will this waiver that I purchased protect me from paying?
Jason
Miami, FL
It was best to get insurance through the rental car company since you did not have personal car insurance.
Your question makes it unclear about what you need the rental car insurance in Miami, FL to pay on. If you had an accident while driving with the rental car before being arrested you need to check with the rental car company to verify the specifics of what you purchased and if they will pay on your behalf. It is also possible in the forms you signed that there was a restrictions against negligence or DWI/DUI. If you are asking about the insurance assisting to pay for DUI related fines, etc you will find those to be your personal responsibility.
Tags: automobile, car insurance, drunk driving insurance, rental car insurance