El Calaverada wrote:
In Florida, insurance companies insure drivers, not cars.
Example - a girl lets her boyfriend, who has no license or
insurance due to a DUI, drive her car and he hits you,
reguardless of intent. The girl's insurance refuses to pay
because she wasn't driving the car.

Are you sure she was able to buy a one-driver policy and not
one that covered any non-commercial use by a licensed driver?

A friend who teaches high school once loaned his car to a
reporter for the school newspaper. That kid turned around
and loaned it to another kid who didn't have a license and
crashed it. It was a big mess that the insurance company
wanted no part of, as they weren't in the habit of insuring
the acts of unlicensed drivers.
Mitch.