Can the policy holder be sued for personal injury beyond insurance coverage if they werent driving ?

My fianc, who is listed on my policy, pulled out in front of a lady and caused an accident which caused the other driver to have more medical bills than my insurance covers. I wasn’t in the vehicle but its my policy. Can the driver that was hit sue me, or would she only be able to sue my fianc?

Asked on September 6, 2017 under Accident Law, Georgia

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

If you are the registered owner of the vehicle your fiance was driving, you are liable for the accident even though you were not present at the scene. Both you and the driver will be named as defendants in the lawsuit for negligence filed by the party not at fault in the accident.
If you are not the registered owner but the vehicle is on your insurance policy, you and the driver are both liable for negligence in a lawsuit filed by the party who was not at fault in the accident.
Your auto insurance carrier will provide you with an attorney at no cost to you in the event you are sued in this matter.


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