No insurance on the vehicle involved in an accident
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UPDATED: Oct 16, 2019
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Insurance Question from Oviedo, FL
Asked on 10/16/2019
No insurance on the vehicle involved in an accident I was involved in an accident in a friends vehicle not knowing the vehicle was not insured. I explained to PD that another driver cut me off, which led me to hit another vehicle, then that driver drove away leaving me with the fault/ticket. No one was injured and the vehicle I hit had very minor damage. After finding out that the vehicle was not insured, where should I go from here? I'd like to get out ahead of this before things get complicated. I am currently trying to contact FL DOT which manages the cameras to find footage. The driver I hit has the same insurer as I do for my own vehicle if it helps. Thank you.
Answer given on October 21, 2019
I believe that Florida is a “no fault” state. This means that the insurance company covering the other driver’s car will take care of the damage to that vehicle. Each “no fault” state has its own rules regarding damage, so it may be that the insurance company for the other party will try to recoup the amount they paid out to repair the other car.
Normally insurance follows the car, so the owner of the car that you were driving would be considered as the responsible party in the accident. If any restitution is attempted the owner of the car would be the first responsible. It is possible they could come to you. Your insurance company should handle it, but since it is the same insurance company as the other driver, they may decide not to pursue anything from you.
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