{"id":4736,"date":"2016-10-18T09:47:07","date_gmt":"2016-10-18T09:47:07","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4736"},"modified":"2016-10-18T09:47:07","modified_gmt":"2016-10-18T09:47:07","slug":"if-i-let-my-mother-in-law-borrow-my-car-is-she-insured","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/","title":{"rendered":"If I let my Mother in Law borrow my car, is she insured?"},"content":{"rendered":"<h4><span class=\"ez-toc-section\" id=\"The_Problem\"><\/span>The Problem<span class=\"ez-toc-section-end\"><\/span><\/h4><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#The_Problem\" >The Problem<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#Insurance_Speak\" >Insurance Speak<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#Tell_the_Family\" >Tell the Family<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television. They all say they will return your vehicle in an hour.<\/p>\n<p>You may not realize it\u2026.But you may be creating a HUGE Problem for yourself.    As an auto insurance policyholder, if you let someone not listed as a driver on your policy drive your vehicle, you could be setting yourself up for an expensive headache.<\/p>\n<p>Sooo\u2026You lend your vehicle\u2026.Then, the next thing you know your brother or your mother-in-law is involved in a fender-bender. Or, your brother is rear-ended, your pickup and his new TV damaged. The headache that\u2019s developing is called a lending loss.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Insurance_Speak\"><\/span>Insurance Speak<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Your insurance company considers that your act of Lending is giving permission to someone not listed as a driver on your auto insurance policy to drive your vehicle.  Your underwriting of your  insurance policy for acceptance and premium rates has been based upon the driver details, violations and accident history as established by your application and DMV reports.  Lending creates an unknown exposure.  You typically have a driver with unknown driving record and experience behind the wheel of an unfamiliar vehicle.  Research has shown that borrowed cars have a much higher probability of getting into an accident.  Think about it\u2026when you get behind the wheel of an unknown vehicle, it takes time to become proficient and comfortable.  Many drivers who borrow do so because they don\u2019t own a car and don\u2019t have auto insurance.   Insurance carriers discourage \u201clending\u201d and consider it a reflection on your driving decisions.  If someone drives your car often, they should be added to your policy to avoid the \u201clending\u201d issue.<\/p>\n<p>The policyholder \u2014 and owner of the vehicle \u2014 is \u201cprimary.\u201d That means he will be liable for anything the driver does to or in the vehicle \u2014 legal or otherwise.  Soooo\u2026.someone else\u2019s accident could cause you to LOSE your coverage, lose your preferred rate, or worse expose your asset because the loss was greater that your coverage limits. In most states, if you loan your vehicle and then the borrower loans the vehicle to someone else who then gets into an accident, you the policyholder may still be at fault.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Tell_the_Family\"><\/span>Tell the Family<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Always remember this about lending your car or truck: Insurance follows your vehicle, but insurance responsibility usually follows the policyholder. Be sure to have this discussion with your driving-age children.<\/p>\n<p>Your teens generally have no idea that it\u2019s not OK to lend the car or let someone else drive.  We even see a few parents who casually hand over their car keys to their kids\u2019 friends.  Bad idea.<\/p>\n<p>The best advise is to never be a lender or a borrower.<\/p>\n<p>Need Insurance advice\u2026Call SWFL Insurance Agency at <a href=\"tel:2392659577\">239-265-9577<\/a> or email <a href=\"mailto:info@swflagency.com\">info@swflagency.com<\/a>.<br \/>\nSee more about this subject at <a href=\"https:\/\/www.insurancejournal.com\/blogs\/academy-journal\/2016\/07\/18\/420044.htm\" target=\"_blank\" rel=\"noopener\">Who is an insured under your Auto and Homeowners policies?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television. They all say they will return your vehicle in an hour. You may not realize it\u2026.But you may be creating a HUGE Problem for yourself. As an auto insurance policyholder, if you let someone not listed as a driver on your policy drive your vehicle, you could be setting yourself up for an expensive headache. Sooo\u2026You lend your vehicle\u2026.Then, the next thing you know your brother or your mother-in-law is involved in a fender-bender. Or, your brother is rear-ended, your pickup and his new TV damaged. The headache that\u2019s developing is called a lending loss. Insurance Speak Your insurance company considers that your act of Lending is giving permission to someone not listed as a driver on your auto insurance policy to drive your vehicle. Your underwriting of your insurance policy for acceptance and premium rates has been based upon the driver details, violations and accident history as established by your application and DMV reports. Lending creates an unknown exposure. You typically have a driver with unknown driving record and experience behind the wheel of an unfamiliar vehicle. Research has shown that borrowed cars have a much higher probability of getting into an accident. Think about it\u2026when you get behind the wheel of an unknown vehicle, it takes time to become proficient and comfortable. Many drivers who borrow do so because they don\u2019t own a car and don\u2019t have auto insurance. Insurance carriers discourage \u201clending\u201d and consider it a reflection on your driving decisions. If someone drives your car often, they should be added to your policy to avoid the \u201clending\u201d issue. The policyholder \u2014 and owner of the vehicle \u2014 is \u201cprimary.\u201d That means he will be liable for anything the driver does to or in the vehicle \u2014 legal or otherwise. Soooo\u2026.someone else\u2019s accident could cause you to LOSE your coverage, lose your preferred rate, or worse expose your asset because the loss was greater that your coverage limits. In most states, if you loan your vehicle and then the borrower loans the vehicle to someone else who then gets into an accident, you the policyholder may still be at fault. Tell the Family Always remember this about lending your car or truck: Insurance follows your vehicle, but insurance responsibility usually follows the policyholder. Be sure to have this discussion with your driving-age children. Your teens generally have no idea that it\u2019s not OK to lend the car or let someone else drive. We even see a few parents who casually hand over their car keys to their kids\u2019 friends. Bad idea. The best advise is to never be a lender or a borrower. Need Insurance advice\u2026Call SWFL Insurance Agency at 239-265-9577 or email info@swflagency.com. See more about this subject at Who is an insured under your Auto and Homeowners policies?<\/p>\n","protected":false},"author":2,"featured_media":3984,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>If I let my Mother in Law borrow my car, is she insured? - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"If I let my Mother in Law borrow my car, is she insured? - SWFL Insurance\" \/>\n<meta property=\"og:description\" content=\"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television\" \/>\n<meta property=\"og:url\" content=\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/\" \/>\n<meta property=\"og:site_name\" content=\"SWFL Insurance\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-18T09:47:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"450\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"SWFL Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SWFL Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/\",\"url\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/\",\"name\":\"If I let my Mother in Law borrow my car, is she insured? - SWFL Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/swflinsurance.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg\",\"datePublished\":\"2016-10-18T09:47:07+00:00\",\"author\":{\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\"},\"description\":\"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television\",\"breadcrumb\":{\"@id\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#primaryimage\",\"url\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg\",\"contentUrl\":\"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg\",\"width\":450,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/swflinsurance.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"If I let my Mother in Law borrow my car, is she insured?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/swflinsurance.com\/#website\",\"url\":\"https:\/\/swflinsurance.com\/\",\"name\":\"SWFL Insurance\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/swflinsurance.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b\",\"name\":\"SWFL Insurance\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g\",\"caption\":\"SWFL Insurance\"},\"url\":\"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"If I let my Mother in Law borrow my car, is she insured? - SWFL Insurance","description":"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/","og_locale":"en_US","og_type":"article","og_title":"If I let my Mother in Law borrow my car, is she insured? - SWFL Insurance","og_description":"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television","og_url":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/","og_site_name":"SWFL Insurance","article_published_time":"2016-10-18T09:47:07+00:00","og_image":[{"width":450,"height":250,"url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg","type":"image\/jpeg"}],"author":"SWFL Insurance","twitter_card":"summary_large_image","twitter_misc":{"Written by":"SWFL Insurance","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/","url":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/","name":"If I let my Mother in Law borrow my car, is she insured? - SWFL Insurance","isPartOf":{"@id":"https:\/\/swflinsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#primaryimage"},"image":{"@id":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#primaryimage"},"thumbnailUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg","datePublished":"2016-10-18T09:47:07+00:00","author":{"@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b"},"description":"The Problem Soooo, your mother-in-law needs to run to the airport. Or, your brother needs to borrow your pickup to haul his new big-screen television","breadcrumb":{"@id":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#primaryimage","url":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg","contentUrl":"https:\/\/swflinsurance.com\/wp-content\/uploads\/2024\/01\/Expanded-Tax-Credit.jpg","width":450,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/swflinsurance.com\/if-i-let-my-mother-in-law-borrow-my-car-is-she-insured\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/swflinsurance.com\/"},{"@type":"ListItem","position":2,"name":"If I let my Mother in Law borrow my car, is she insured?"}]},{"@type":"WebSite","@id":"https:\/\/swflinsurance.com\/#website","url":"https:\/\/swflinsurance.com\/","name":"SWFL Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/swflinsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/5c13c8c80bdb596e62328261bc4eb57b","name":"SWFL Insurance","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/swflinsurance.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ea750d2e6d6900245405af164832bfc5a9db1069b30e134a2645b6815420e324?s=96&d=mm&r=g","caption":"SWFL Insurance"},"url":"https:\/\/swflinsurance.com\/author\/designer1mandmmultimedia-com\/"}]}},"_links":{"self":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/comments?post=4736"}],"version-history":[{"count":0,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/posts\/4736\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media\/3984"}],"wp:attachment":[{"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/media?parent=4736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/categories?post=4736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/swflinsurance.com\/wp-json\/wp\/v2\/tags?post=4736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}