What to do if our daughter was delivering sandwich’s and got into a car accident in a parking lot with the family car?

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What to do if our daughter was delivering sandwich’s and got into a car accident in a parking lot with the family car?

The police report said the other car came around the corner and crossed the center line. The other party is trying to recover from us but our insurance company is refusing the claim because the car was being used to make deliveries for compensation. Our daughter has not given a statement to our insurer yet. At this point, is there any point in giving them a statement since they are not going to pay the claim anyway? And after they get that statement, we will be cancelled anyway? A friend told me if it goes to court we could be removed from the suit because our daughter is 20 years old. I ever heard this before but it would be nice if true.

Asked on August 19, 2013 under Accident Law, Arizona

Answers:

Anne Brady / Law Office of Anne Brady

Answered 8 years ago | Contributor

If the other party was at fault, the best course of action would appear to be to go after the other party's insurance.  Unfortunately, this happens all to often that people take jobs delivering things with their own car and don't have the correct insurance to cover them if they get into an accident in the process.  If the other party sues your daughter, the suit should be limited to her.


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