Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Dec 8, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Dayton, OH

Asked on 12/08/2015

I own a vehicle but don’t have insurance on it because I wasn’t driving the car. I let my son drive the car who has his own insurance. is it necessary for me to get insurance on my car or will he be okay should he have an accident or get a ticket?

Answer given on December 11, 2015

In auto insurance, the insurance follows the car, not the driver. If you own a car and let someone use it, it is your responsibility to have insurance. If he causes an accident, it would be your responsibility to pay for repairs and/or injuries to the other driver.If there is no insurance on your car, and the driver of your car causes an accident, their insurance will defend them, but will not protect you. If the driver is sued his insurance company will defend and pay for any settlement or judgement made against them. However, that insurance company can come back and demand reimbursement from you since it was really your responsibility to have insurance. In addition, you can receive a citation for not having insurance on your car and your license could be suspended.Do not assume that just because the driver has insurance, that it will protect you or that you will not be held responsible for the accident even though you were not driving the car. Get insurance on your car if you intend to let someone drive the car.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.