Driving with a suspended license is against Florida Statute 322.34 and a first conviction is guilty of a misdemeanor of the second degree and comes with penalties such as a several hundred dollar fine.

Even though your friend was driving your vehicle with a suspended license, for which he will receive penalties for since he was ticketed, normally you would still be able to place a claim against the at-fault party. Since the other person was ticketed with careless driving it would appear they have been found at fault in the incident and thus you would place a claim against their property damage liability coverage.

With your minimum insurance, which in Florida is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL), you would not have coverage on your own vehicle for damages sustained in the accident. For this you would need physical damage coverage of collision on your vehicle.

For information on how to submit insurance claims and finding out more about insurance terms, visit our Learning Center.