Can parents be found liable for 19 year old daughter with her own auto insurance and own car causing an accident?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 1, 2011
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 Black Diamond, WA
Asked on 10/01/2011
Can parents be found liable for 19 year old daughter with her own auto insurance and own car causing an accident? Can parents be found liable for 19 year old daughter with her own auto insurance and own car titled in her name causing an accident? Daughter is a college student and lives away from parent's home at least 9 months of the year.Parents still claim daughter as an exemption on tax return and pay her rent but do not pay for her auto insurance.
Answer given on October 02, 2011
Parental liability for an auto accident is not normally used for the child of the parents. This is known as vicarious liability. Most insurance companies exclude this in their policies. However, if you purchased the car for your daughter and were negligent in some way for doing so, there could be an attorney who would try to go after you. The fact that the daughter is claimed on taxes and the parents pay her rent should not be a factor However, the severity of the accident could cause the other party to attempt this.If you daughter has a policy in her name and the car is titled to only her, then her insurance policy will be the policy to cover her in an accident. If she has low limits, the other party’s insurance may be able to provide additional coverage for the other person under their uninsured/underinsured coverage.
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.