If I co-signed a loan for my son and the title and plates are in both of our names, can I be sued if either he or his girlfriend get into an accident?

Asked on August 2, 2018 under Accident Law, Michigan

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

Any owner of a car can be held liable if they gave their consent for another to drive the car and that person then let someone else drive. Since the title is in your name, you are an owner. Accordingly, you can be held legally responsible for an accident.

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

If the title is in your name, you are an owner of the car. A car's owner can be held liable if someone permitted to drive the car, including a co-owner (so, your son; and his girfriend, assuming he lets her drive) is "at fault" (e.g. driving negligently or carelessly) in an accident. So being on the title and plates, and therefore being an owner of the vehicle, puts you at risk.


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