If my 25 year old daughter drives a car that I own and insure and is at fault for an accident in which she seriously injures someone, what is my potential liability?

To the extent that any claim exceeds my insurance coverage, can I be sued and lose my assets and/or can my husband (her stepfather) be sued and lose his assets because he is married to me? Also, I own 1// of my mother’s home but she has lifetime use of it. Can I lose that?

Asked on September 11, 2014 under Accident Law, Connecticut


M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

If you own and insure the car then your assets are exposed to a potential claim for personal injuries incurred while she was operating the vehicle.  I would strongly suggest that you speak with an insurance broker about what it means if she is a regular driver but not actually on the policy, what it means if she got in to an accident while she borrowed it (permissive use and not a regular user), what the insurers rights are about disclaiming coverage if they believe that there is fraud, upping the limits and getting an umbrella policy. Good luck.

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