Who is responsible for an accident?
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UPDATED: Jun 7, 2012
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Insurance Question from Chauvin, LA
Asked on 06/07/2012
Who is responsible for an accident? I recently put a car into my daughters name but she is still on my insurance policy. If she gets into an accident who is responsible , myself or is she?
Answer given on June 15, 2012
An auto policy should be written in the name of the titled owner. In this case, since the car is now in your daughter’s name, you should purchase a policy in her name for that car. You could have your name on the title along with her and then you could keep the car insured on your policy since you are also on the title. However, this does mean that if she has an accident, then your liability is exposed for the damages and injuries caused.If your daughter does not live at home, this is the time to have her get her own insurance. Your insurance company might let her keep any discounts for having had insurance with them for the years you were with them. This “loyalty discount” is often allowed for adult children when they go out on their own. However, any discounts for multiple cars would be lost unless she has a second claim.
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