I was wondering if i have a vehicle registered in my name, and my cousin drives it am i liable for any of his actions?
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UPDATED: May 26, 2012
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Insurance Question from Ruston, WA
Asked on 05/26/2012
I was wondering if i have a vehicle registered in my name, and my cousin drives it am i liable for any of his actions? Suppose he does not have a license or insurance and gets in an accident or gets pulled over is there any consequences for me?
Answer given on June 24, 2012
If you own a vehicle and you allow someone to drive the car, then anything that may occur will be paid by your insurance. For auto insurance the insurance follows the car, so damages caused by your car will be paid by your insurance. Your rates will not be affected since the driver is not listed on your policy and not in your household. However, the driver’s record would be affected if they cause an accident, even though they were not driving their car.The driver does not have to have insurance, since your insurance will cover him. However, if you knowingly allow him to drive the car and you know he does not have a license, you could be subject to cancellation by the insurance company. In addition, the insurance policy may have a clause that denies coverage if the driver is unlicensed. It is not wise to allow an unlicnesed driver to use your car.
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