Let’s face it; teenagers can be bad drivers. When your child turns sixteen and gets a driver’s license, you can expect your car insurance to soar. And if your teen gets into a car accident that is his or her fault, things will get even worse.

Can a parent be sued if their son is in a car accident?

If you own the car and pay for all the insurance/maintenance, are head of the household, your son lives with you and you allow him to use your car as a convenience to you that doctrine applies. If he owns it and you just co-signed, but he is paying for it especially if the car is in his name you should be safe.

When is my adult child covered by my car insurance?

If you use the car for one or two days, you are probably covered. However, if you use it for a number of weeks at a time, you are probably not covered. The way around this is have your name added to his policy. It also matters why you are using the car.

Can you be sued if your child drives in Your Name?

The short answer is yes, because as the title holder and the most responsible party most likely to have insurance or money to pay damages, you will always be a target if your child drives a vehicle titled in your name, has wrecks and people or property are injured. * This will flag comments for moderators to take action.

Can a parent be liable for a teen’s car accident?

(More about negligence and liability for personal injury .) Depending on your car insurance policy, your joyriding teen might not be covered under your insurance, especially if they’re not listed on the policy and you tell the insurance company that the teen didn’t have your permission to drive the car.

What happens if my son is driving my car and causes an accident?

If though, your son is driving your car at the time he causes an accident, then he and you will be liable. In such a scenario, your insurance company will pay the other driver’s damages, which can include medical and/or therapy bills, out-of-pocket expenses, lost wages, and pain and suffering.