Legal Question in Personal Injury in Florida

Under Florida law, you are typically responsible for injuries or property damage caused by your child under two circumstances: 1) you are responsible if you own the car involved in the accident (even if you were driving or in the car at the time of the accident), or 2) when your child obtained his or her driver's license a parent had to sign the application agreeing that the parent would be financially responsible for any injuries or damage caused by the child until the child turns 18.

Typically, your car insurance will cover you for damages or injuries caused by your car even if you weren't driving. Most car insurance won't cover you if you are simply liable because you agreed to be responsible when you signed your child's driver's license application.

It is always adviseable to carry as much insurance protection as you can reasonably afford.