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.

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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...

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UPDATED: Dec 8, 2015

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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.

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