Accordingly, if Bender authorized Summers' use of the car, Bender would be legally responsible pursuant to Florida's dangerous instrumentality doctrine and Motorists would be obligated to provide coverage to the extent required by Fla.Stat.Ann. 627.7263. See Sanders v. Mid-Century Ins. Co. (Fla.App. 1997), 695 So.2d 494, 495 (concluding that identical policy language obligated an insurer to provide coverage for an insured's vicarious liability). We conclude that the undisputed evidence establishes that Summers had Bender's authorization to drive the rental car at the time of the accident.