If my name is on the car title but my wife has an accident and she is on my insurance, what are my liabilities?

Asked on December 12, 2015 under Accident Law, Georgia


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

Answered 5 years ago | Contributor

If your wife is at fault in an accident, you will be held liable because you are the registered owner of the vehicle.
Your liability will include the property damage (cost of repairs) to the vehicle that was not at fault in the accident and the personal injury claims of the occupants of the other vehicle.  The personal injury claims of each occupant of the vehicle that was not at fault will include medical bills, pain and suffering (an amount in addition to the medical bills) and wage loss.
If your wife is NOT at fault in an accident, then you won't be liable and her claim for property damage to your vehicle and her personal injury claim will be filed with the at-fault party's insurance carrier.

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