Can my assets be attacked if boyfriend has accident and is sued

UPDATED: Sep 30, 2022

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Can my assets be attacked if boyfriend has accident and is sued

My boyfriend just renewed his car insurance. They arbitrarily added me to his policy, without asking or telling him. I do not drive his vehicle. I have my own vehicle and my own insurance. I am VERY concerned that if he would have an accident and get sued that MY assets will be attacked — and I would lose EVERYTHING, even though nothing was my fault. HELP

Asked on August 18, 2017 under Insurance Law, New Jersey


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

Legally, things owned only by you are not something that a person suing your boyfriend can get: being boyfriend-girlfriend does not create any legal connection or obligation between the two of you. Being on his policy does not make you liable, so long as you were not on the car's title, either: while an owner can be sued for an accident that a co-owner is in (any/all owners of a vehicle can potentially be held liable for accidents involving the car), being on his policy does not by itself make you an owner or liable--it just means that if you were to drive it and have an accident, you would be covered.
Based on what you write, there seem to be no grounds for anyone to go after your assets. That's not to say someone might not try to sue you or go after your assets, such as if they believe there is a connection which does not exist, but you appear to have good defenses.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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