I agree with the above advice, but wanted to caution you, these matters become very complicated. Your insurance company will provide you with a lawyer to protect your interest if you are sued by the injured party. This lawyer can advise you regarding your rights and obligations.
You may also seek consultation from a private attorney (not hired and assigned by the insurance company) regarding your options to pursue a claim for damages either against the at-fault driver, or perhaps your own insurance company, depending on how they decide to handle the claim.
Best wishes for the New Year,
As the owner of a dangerous instrumentality, YOU are liable for damages caused to others by its negligent operation by a permissive driver. The fact that your friend may be found to have been intoxicated also brings the potential for punitive damages.
Get with your insurer and implore them to settle all claims against you ASAP.
Your insurance's company's attorney will help you. Because there are so many accidents in Florida, Florida law requires that $10,000 or less in damages basically will be settled out of court. Only if they have more than $10,000 in damages do you have to worry that you could be pulled into the lawsuit, but at that point your insurance company will defend you.
I would only worry if you knew he has had 3 DUI's, he is a horrible driver, he has no driver's license, you bought him liquor, and then you let him drive in a drunken state. It is a misdemeanor to let someone drive your car if you know they do not have a driver's license. If his driving record is horrible and you knew about it, you could be brought into the lawsuit if there is more than $10,000 in damages. It really is a negligence determination on his driving versus your (possible negligent) entrustment. The more ridiculous he was driving, the less attention will be on you.
So be careful whom you talk to (only talk to your insurance company or their attorney), but you are probably OK as far as them suing you. They would have to prove you were negligent giving him the car, which is not so easy to do.
As a permissive driver, your friend is insured under your automobile liability policy which you had on the destroyed vehicle. If this accident occurred in the state of Florida, you, as owner, can be found equally liable with your friend for any damages that he may have caused.
You should cooperate with your automobile liability insurance company's investigation and settlement efforts and urge your carrier to resolve this claim (or claims) within your policy limit. If it becomes apparent that your limits are insufficient to cover the damages, you may find it necessary to retain your own personal counsel to represent your interests in this matter.
You may also wish to review your coverage limits with an independent insurance agent to determine if you are carrying adequate insurance for this day and age. Increasing your limits will not help you for this accident; however, you could protect your assets in the future.
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