Can my assets be attacked if boyfriend has accident and is sued

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Can my assets be attacked if boyfriend has accident and is sued

My boyfriend just renewed his car insurance. They arbitrarily added me to his policy, without asking or telling him. I do not drive his vehicle. I have my own vehicle and my own insurance. I am VERY concerned that if he would have an accident and get sued that MY assets will be attacked — and I would lose EVERYTHING, even though nothing was my fault. HELP

Asked on August 18, 2017 under Insurance Law, New Jersey

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

Legally, things owned only by you are not something that a person suing your boyfriend can get: being boyfriend-girlfriend does not create any legal connection or obligation between the two of you. Being on his policy does not make you liable, so long as you were not on the car's title, either: while an owner can be sued for an accident that a co-owner is in (any/all owners of a vehicle can potentially be held liable for accidents involving the car), being on his policy does not by itself make you an owner or liable--it just means that if you were to drive it and have an accident, you would be covered.
Based on what you write, there seem to be no grounds for anyone to go after your assets. That's not to say someone might not try to sue you or go after your assets, such as if they believe there is a connection which does not exist, but you appear to have good defenses.


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