Quote Quoting jalopy
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I tried to get the title transferred into my name
Given that the car belongs to your grandmother's estate, what would make you think you'd be entitled to do that? Did she leave the vehicle to you in her will?


Quote Quoting jalopy
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the tax collectors office said my father needs to be present.
Why? The authority conferred on him by the power of attorney terminated the moment your grandmother died.


Quote Quoting jalopy
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Later, two of the people from Party 1 claimed Injury against my policy.
They are now demanding an Affidavit from me as well as my deceased grandmother, as the car is in her name.
In FL I am not required to complete the affidavit.
An affidavit that says what?


Quote Quoting jalopy
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I do not know of any estate left in her name.
If nothing else, her estate includes the car you're driving.


Quote Quoting jalopy
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I own 2 cars (nothing fancy, combined value maybe $8,000)
I assume this means two cars other than your grandmother's car. Correct?


Quote Quoting jalopy
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Should I disclose to my insurance company that my grandmother is deceased and therefor cannot sign an affidavit? Or will that bring me more trouble?
I'm not really sure that your insurer will care about your grandmother's death and consequent inability to sign anything. However, if the subject comes up, you obviously should not lie about that. You should, however, let your insurer know that the two people making a claim against your policy have "demand[ed] an [a]ffidavit from [you]."


Quote Quoting jalopy
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Should I sign the affidavit?
Since you didn't tell us what this affidavit does or might say or why the two claimants "demanded" it, we have no conceivable way of intelligently opining about this.


Quote Quoting jalopy
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If I say nothing and don't submit an affidavit, is it likely that they have grounds to take me to court?
Whether you do or don't sign some affidavit has no bearing on whether "they have grounds to take [you] to court." They have grounds to sue you because they were (allegedly) injured as a result of your negligence.


Quote Quoting jalopy
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Like I mentioned, there was no injury at the scene
You don't know that. All you know is that you observed no injury and that no one complained of an injury. However, soft tissue injuries may not be immediately apparent.

Quote Quoting jalopy
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When I purchased the policy, I don't think it was ever asked of me. It is through GEICO and was all online.
Somewhere in the process, you were asked to identify the registered owner of the vehicle. That said, I disagree that this will have any impact on your coverage. It's not material.


Quote Quoting jalopy
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I just wonder what Party 1's lawyer will do when they know the owner is deceased. Does that make me more or less vulnerable?
Neither. It has no bearing on either your vulnerability nor your potential liability.