My son drove my vehicle#1 uninsured to work in an emergency, but has a sr22 bond I was under the belief that I was legal? accident not are fault,

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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: Feb 7, 2014

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Insurance Question from Dayton, OH

Asked on 02/07/2014

My son drove my vehicle#1 uninsured to work in an emergency, but has a sr22 bond I was under the belief that I was legal? accident not are fault, I was not driving vehicle#1 of more than 6 months, because the clutch was out, but did have insurance on my other vehicle#2 that I drove. I got plates for vehicle#1 and insurance but dropped it because it was running poorly. when an emergency came up and my son's car was needed repair. I let him drive to work because of his bond.

Answer given on February 09, 2014

In auto insurance the insurance follows the car. That would mean that your car is the one responsible for an accident, regardless of who is driving. While your son is “legal” to drive it does not offset the fact that there was no insurance on your car. If the other party was at fault, then their insurance is responsible for the damages to your car, and if there were any injuries, they are responsible for those. However, if the other insurance company denies coverage, then you are on your own to fix your car.The police can still ticket you for failure to have insurance on the car that was being used. This could result in a need to provide proof of insurance going forward, such as an SR22 since there was no insurance on the car. You will have to see what the police decide in this case

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