The car is registerd in my name. My daughter is the one who has the car and drives it. she wrecked it w/o ins.?
Question: I am 78 years old and obviously don't drive the car. My daughters insurance expired the day before the incident occured. She did not go to jail. She knows she will be responsible for the ticket, court costsall of this type. I want to know as far as the other party involved they can sue us like you would sue the insurance company right? Who's going to be sued? only having the vehicle registered in my name what will this mean for me?
Answers: Unfortunately since you are the registered owner of the vehicle, you are the one that has the responsibility to insure it, not your daughter, who only drives it. Therefore, the party can and will list you on the lawsuit - if that is what they choose to do. Most likely, what will happen is they will pursue the claim through their own carrier under uninsured motorist coverage, and the carrier will pursue you and your daughter for reimbursement. At that time you can make arrangements to pay off the debt.
The best thing for you to do - if you do not want to be involved in the future - is to sign the title of the vehicle over to your daughter, so that she is the registered owner, or you take care of the insurance and make sure the vehicle continuously has insurance.
It depends on what state you are in. In North Carolina the laws against this are strict, but i am not sure if they limit lawsuits or not. Contact your DMV for assistance.
the way it usually works is the uninsured walks away Scot free and the other drivers insurance covers them if they have collision.
Wow- why would you let your daughter drive without insurance?! What will happen is if your daughter gets in a wreck.... YOU (as the owner) will be sued directly by the other parties insurance.. you will be responsible for all repair and rental cost (at best...) and all injury cost as well as pain and suffering.
You will also have no one to stick up for you and determine if you are at fault or not.. for example.. say the other car ran a red light.. and they say your daughter did.. their insurance will believe them and send you the bill.. and no one will be there for you.
What if she hits a child? Who will pay that childs medical bills to make them better?
You should be ashamed to even consider this..
was there a 3rd party involved?? if there is, insurance wont cover it and your on the hook...3rd party can sue you for medical expenses, pain and sufferign etc.
the other party will sue the both of you. i'd be scared if i were you because you could end up losing your assets. check the insurance law to see if there's a grace period to renew insurance, if that was the case. you might find protection that way.
It depends upon what state you are in and also what policy you have. If you have one of the budget cave man type policies most of them are named driver policies, which means only the person named on the policy is covered. If you have one of the major companies such as Allstate, State Farm, Farmers or USAA anybody who drives your car with permission is covered.
Most states have mandatory insurance laws. You, as the owner are responsible to keep insurance up. Both of you could be in trouble with your state if they are notified. Of course since you don't drive they can't take your license. Your daughtor, being the one who caused the accident could be sued. It would be a little harder to bring you into the case. Your main responsibility is with the state law. You were not at fault in the accident. If she was on an errand for you they could possibly bring you in.
Did you have insurance on the car? If so they will make a claim against your insurance company if you told her she could use the car than you will be held liable I believe.
Answers: Unfortunately since you are the registered owner of the vehicle, you are the one that has the responsibility to insure it, not your daughter, who only drives it. Therefore, the party can and will list you on the lawsuit - if that is what they choose to do. Most likely, what will happen is they will pursue the claim through their own carrier under uninsured motorist coverage, and the carrier will pursue you and your daughter for reimbursement. At that time you can make arrangements to pay off the debt.
The best thing for you to do - if you do not want to be involved in the future - is to sign the title of the vehicle over to your daughter, so that she is the registered owner, or you take care of the insurance and make sure the vehicle continuously has insurance.
It depends on what state you are in. In North Carolina the laws against this are strict, but i am not sure if they limit lawsuits or not. Contact your DMV for assistance.
the way it usually works is the uninsured walks away Scot free and the other drivers insurance covers them if they have collision.
Wow- why would you let your daughter drive without insurance?! What will happen is if your daughter gets in a wreck.... YOU (as the owner) will be sued directly by the other parties insurance.. you will be responsible for all repair and rental cost (at best...) and all injury cost as well as pain and suffering.
You will also have no one to stick up for you and determine if you are at fault or not.. for example.. say the other car ran a red light.. and they say your daughter did.. their insurance will believe them and send you the bill.. and no one will be there for you.
What if she hits a child? Who will pay that childs medical bills to make them better?
You should be ashamed to even consider this..
was there a 3rd party involved?? if there is, insurance wont cover it and your on the hook...3rd party can sue you for medical expenses, pain and sufferign etc.
the other party will sue the both of you. i'd be scared if i were you because you could end up losing your assets. check the insurance law to see if there's a grace period to renew insurance, if that was the case. you might find protection that way.
It depends upon what state you are in and also what policy you have. If you have one of the budget cave man type policies most of them are named driver policies, which means only the person named on the policy is covered. If you have one of the major companies such as Allstate, State Farm, Farmers or USAA anybody who drives your car with permission is covered.
Most states have mandatory insurance laws. You, as the owner are responsible to keep insurance up. Both of you could be in trouble with your state if they are notified. Of course since you don't drive they can't take your license. Your daughtor, being the one who caused the accident could be sued. It would be a little harder to bring you into the case. Your main responsibility is with the state law. You were not at fault in the accident. If she was on an errand for you they could possibly bring you in.
Did you have insurance on the car? If so they will make a claim against your insurance company if you told her she could use the car than you will be held liable I believe.
More questions & answers:
- I was pulling out of driveway and hit a car behind me who is at fault?
- I am the registered keeper, but the finance is in my husbands name, who owns the car? Me or Him?
- If someone jumps in front of/on a vehicle on a public road who pays for the damage??
- Someone had a stop sign, and I hit them, I had no stop sign, who's at fault?
- Ok... So I need a little help and advise on how I should approach someone who owes me a couple hundred dollars
- How much will car insurance run about for a 16 year old male who gets good grades and has taken drivers ed?
- How can I find out what names are on my car title and/or who is registered legally no my vehicle?
- Me and my mam dont understand what a named driver actully is , we dont know who would have to pay for it?
- 16 year old with no driving licence drove and crashed into a garage has no insurace, who will pay for damages?
- If I was in an accident, and had no license but the car was insured, what happens and who pays what??