If I was to drive a truck where the title is in my mothers name would she then be liable if I were to get in to an accident.
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UPDATED: Aug 21, 2012
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Insurance Question from Boscawen, NH
Asked on 08/21/2012
If I was to drive a truck where the title is in my mothers name would she then be liable if I were to get in to an accident. The truck is not insured and I live in my mothers house with my step father. Because I live in there house and the title is in my mothers name would any liability fall in her hands if I were to get in to an accident? Could someone potentially go after my parents even though i got in to the accident? Thank you in advance for any help you can provide.
Answer given on August 22, 2012
Auto insurance follows the car, not the driver. Therefore, if you are driving your mother’s car and cause an accident, then she would be responsible for the damages in the accident. If the truck is not insured, then you and your mother could face fines and tickets for not having the truck insured.You should obtain insurance on the truck in the name of your mother. You can be listed on the policy as a driver and then you would have the proper insurance needed for the truck. If you are listed on the policy then your driving record would have an effect on the rates charged for the policy. It makes no difference who pays for the insurance, so you could pay for it even if it is in your mother’s name. You could also transfer ownership to you and buy a policy in your name. This would avoid your mother having any liability for an accident caused by you.
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