Can parents be found liable for 19 year old daughter with her own auto insurance and own car causing an accident?

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Updated March 2025

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.