if my 16 year old stepson buys a car and my wife signs all necessary papers, would I be liable for an accident that exceeds his insurance coverage?

My wife and I have a prenuptial agreement that keeps our finances separate. If she is sued could they go to me for liability?

Asked on November 8, 2014 under Accident Law, Pennsylvania


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

Answered 6 years ago | Contributor

You and your wife will be liable if your stepson is at fault in an auto accident.  Liability would include property damage (cost of repairs to the other vehicle that was not at fault) and the personal injury claims of the occupants of the other vehicle not at fault.

The personal injury claims will include medical bills, pain and suffering (an amount in addition to the medical bills) and wage loss.

If the insurance for your stepson's vehicle is insufficient to cover the property damage and personal injury claims of the party not at fault in the accident, you and your wife will be liable.

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