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I loaned my car to a friend who was involved in a Florida car accident. Am I liable if my friend was at fault?

Under Florida law, the owner of the vehicle is always responsible for the damages caused by that vehicle. The fact that you loaned your car to someone else does not absolve you of responsibility. The fact of the matter is the driver, your friend, might actually also be responsible for part of the damages. However, you will not be off the hook.