If my minor child caused an injury accident but our auto policy only covered $50,000, am I liable for any over that?

Asked on November 5, 2014 under Accident Law, North Carolina


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

Yes, unfortunately you may be liable for any and all amounts over $50,000. The parents or legal guardians of a minor can be held financially responsible, or liable, for the acts of their minor children; and since a policy only protects up to its liability limits, you could be be liable for any amounts in excess of that limit ($50,000).

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