We will look to the neighbor’s homeowner’s insurance policy to make a claim for the daughter’s negligence. Not only may the neighbor’s daughter be held to be negligent in the operation of the jet ski, but also the neighbor as the owner of the jet ski can be held vicariously liable for the driver’s negligence. In Florida, jet skis are considered “dangerous instrumentalities,” just as regular automobiles. Thus, the neighbor, who in this case would be considered the owner, can be held liable for your daughter’s injuries, as well as the driving daughter. We will obtain a copy of the homeowner’s policy to make sure there is no specific exclusion as to the jet ski.