News, Questions & Answers

The law requires auto insurance, but what business is it of the HOA?

Q: I was recently informed by our association manager that as a resident I’m required to provide them with my proof of auto insurance info because they’re liable if something happened involving my vehicle on their property. It looks to me like the local law enforcement would be who I will need to prove I have insurance coverage to in the event something happened. The law requires auto insurance but what business is it of the HOA? I live in an un-gated townhome community and am a homeowner.

-B.C., Lake Worth

A: Unless your association’s governing documents require each owner to provide proof of auto insurance, you would not have any obligation to provide a copy of your policy to the association. We recommend that you consult with a Florida licensed attorney, so they can review your community’s governing documents and determine whether this obligation exists.

Avi S. Tryson, Esq., is Partner of the Law Firm Goede, DeBoest & Cross. Ask questions about your issues for future columns, send your inquiry to: The information provided herein is for informational purposes only and should not be construed as legal advice. The publication of this article does not create an attorney-client relationship between the reader and Goede, DeBoest & Cross, or any of our attorneys. Readers should not act or refrain from acting based upon the information contained in this article without first contacting an attorney, if you have questions about any of the issues raised herein. The hiring of an attorney is a decision that should not be based solely on advertisements or this column.