Driving Without Car Insurance Florida FL

Reader’s Question:

My son is 20 and lives with me here in Florida. His auto insurance got cancelled due to numerous traffic citations but still drives his car around the neighborhood. I’m worried that he might get involved in an accident. Can I use my homeowner’s insurance if he gets involved in a wreck?

Marie

Tampa, FL

I strongly suggest that you ground your son’s car immediately and help him avail of an auto insurance policy as soon as possible. Driving around uninsured is against the State of Florida traffic laws. Every car owner in America is obliged to obtain motor vehicle insurance coverage to protect others from the possibility of property damage or bodily injury. This means that every driver, even one bearing a learner’s permit, is expected to have financial responsibility over the accidents they cause. You and your son should start looking for an insurer right away that would agree to take him even if he already has numerous traffic citations. Don’t delay. You never know when your son might be involved in a wreck.

Your homeowner’s insurance provider would not cover any losses if he ever gets involved in one. You might also get sued since you have knowledge of and still allowed a member of your household to drive around without motor vehicle insurance. Save yourself from the hassle of going to court and the risk of endangering your home and other assets. Start making calls to car insurance companies, and in the meantime, make sure your son is not sneaking behind your back and taking his car for a drive.

Tags: auto insurance, driving without insurance, traffic violation