Under Florida law, what type of coverage must be provided for non-owned autos?

In Florida, the required coverage for non-owned autos under a Personal Auto Policy is excess coverage. This means that when an insured person drives a vehicle that they do not own, their policy can extend to provide coverage, but only in an excess capacity. This ensures that the liability coverage from the vehicle's owner is applied first.

Excess coverage helps protect the insured if the owner’s insurance is insufficient to cover the damages incurred during an accident when driving a non-owned vehicle. It is essential for drivers to understand that while their personal policy might offer protection, it typically only comes into play after the coverage of the vehicle owner's policy is exhausted.

This understanding aligns with Florida's requirement for insurance policies to offer a level of protection for non-owned vehicles, emphasizing the importance of having comprehensive insurance plans that include excess coverage to adequately protect all parties involved.