In Georgia what is my liability if my daughter who is insured allowed a person under 25 to drive my car??
Question: My daughter who is insured allowed a friend under 25 to drive my car w/out my permission. This person had a accident that caused injuries to the other person. The accident was in Georgia.
Answers: Several questions are left unanswered. How old is your daughter? How old is the driver that caused the accident? Is that driver covered under another insurance policy? Is your daughter's name on the vehicle with yours? Why did your daughter allow this person to drive?
The driver and vehicle owner can both be considered liable for damages caused bu an auto accident. If you did not authorize the other driver to drive your vehicle, you can possibly have then charged with unauthorized use, and limit your liability some. Report the accident to your insurance company. If this person does not live with you, they may be covered on your policy as a guest. Let the insurance companies work it out.
depends on your daughter's insurance plan; it might not cover accidents caused by a driver that isnt your daughter. i dont think there are any liabilities, just an increase in your insurance premium if you dont have full coverage
you are in queer street
do you have any savings?
If you admit you did not know about it, your insurance will not pay for anything and your premiums will go up. Also since you are the owner, your name is on the policy as well. You will probably be sued by the other insurance company along with the person that was the driver of your car. COnsult with a lawyer. I too live in GA>
Couple of things come into play. First the friend was authorized to drive the veichle. Try pressing charges and I'm sure the DA/Police will laugh at you. Since your daugther was an authorized user of the veichle they'll consider her permission good enough for her friend.
Second, your insurance covers your car at all times. Your insurance will pay out the claim, and then they will determine if they can recoup the cost legally against another party. Even the injured party goes through their own insurance and then that company contacts your insurance company about the claim. You never deal with anyone other then your insurance company, doing otherwise can leave you open to huge amounts since you might be doing something the prevents them from collecting otherwise.
Third, is GA an at-fault state? I know a number of states have gone to no-fault and that means each driver is responsible for their portion of the accident regardless of who truly caused it.
Answers: Several questions are left unanswered. How old is your daughter? How old is the driver that caused the accident? Is that driver covered under another insurance policy? Is your daughter's name on the vehicle with yours? Why did your daughter allow this person to drive?
The driver and vehicle owner can both be considered liable for damages caused bu an auto accident. If you did not authorize the other driver to drive your vehicle, you can possibly have then charged with unauthorized use, and limit your liability some. Report the accident to your insurance company. If this person does not live with you, they may be covered on your policy as a guest. Let the insurance companies work it out.
depends on your daughter's insurance plan; it might not cover accidents caused by a driver that isnt your daughter. i dont think there are any liabilities, just an increase in your insurance premium if you dont have full coverage
you are in queer street
do you have any savings?
If you admit you did not know about it, your insurance will not pay for anything and your premiums will go up. Also since you are the owner, your name is on the policy as well. You will probably be sued by the other insurance company along with the person that was the driver of your car. COnsult with a lawyer. I too live in GA>
Couple of things come into play. First the friend was authorized to drive the veichle. Try pressing charges and I'm sure the DA/Police will laugh at you. Since your daugther was an authorized user of the veichle they'll consider her permission good enough for her friend.
Second, your insurance covers your car at all times. Your insurance will pay out the claim, and then they will determine if they can recoup the cost legally against another party. Even the injured party goes through their own insurance and then that company contacts your insurance company about the claim. You never deal with anyone other then your insurance company, doing otherwise can leave you open to huge amounts since you might be doing something the prevents them from collecting otherwise.
Third, is GA an at-fault state? I know a number of states have gone to no-fault and that means each driver is responsible for their portion of the accident regardless of who truly caused it.
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