Steps Florida Vehicle Owners Can Take to Protect Themselves from Liability in a Car Accident
As a vehicle owner in Florida, protecting yourself and your family from liability in case of an accident is crucial. Whether you’re at fault or not, taking proactive steps can save you from significant financial and legal troubles. At Warner & Fitzmartin, we’re here to guide you through the essential steps to safeguard your interests.
1. Purchase Adequate Bodily Injury Coverage
Bodily injury coverage is not mandatory in Florida, but it is vital. This coverage pays for injuries you cause in an accident, protecting your personal assets from being targeted by the injured party. Evaluate your assets and consult a financial professional to determine the appropriate coverage amount. Coverage can range from $10,000 to over a million dollars, depending on your needs.
2. Title Your Car Wisely
Be strategic about how you title your vehicle. Ensure the car is titled solely in your name. Titling it in your spouse’s name or anyone else’s adds another person who can be sued in case of an accident. Simplifying the title to your name alone can help minimize potential legal complications.
3. Be Cautious About Lending Your Car
Under Florida’s dangerous instrumentality doctrine, you are liable for any accidents caused by someone driving your car. This applies to family members, friends, or anyone else you permit to use your vehicle. Only lend your car to individuals you trust and who have a proven record of safe driving.
4. Regularly Review Your Insurance Policy
Regularly review your insurance policy to ensure you have the right coverage. If you’re uncertain about your policy’s adequacy, we invite you to contact us at Warner & Fitzmartin. We can help you understand your coverage and recommend any necessary adjustments.
By following these steps, you can better protect yourself from liability and ensure you’re adequately prepared in case of an accident. If you have any questions or need further advice, don’t hesitate to reach out to us. We’re here to help you navigate these important decisions.