Can a parent’s auto insurer hold a parentliable for a child’s accident, if the child carried their own insurance?

Get Legal Help Today

secured lock Secured with SHA-256 Encryption

Can a parent’s auto insurer hold a parentliable for a child’s accident, if the child carried their own insurance?

19 YEAR OLD SON WAS INVOLVED IN AN ACCIDENT AND HAS HIS OWN INSURANCE POLICY. CAN THE INSURANCE COMPANY CHARGE THE PARENTS INSURANCE POLICY ALSO?

Asked on September 15, 2010 under Insurance Law, Nebraska

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

That depends on what you mean by "charge" you, if the 19 year old lives with you and and your state laws on what is known as "stacking" of a policy.  Stacking means that the injured party would be able to collect from more than one insurance policy for members of the same household should the coverage of the liable auto be insufficient to cover their damages.  However, it is my understanding that Nebraska does not allow stacking.  So what do you mean by "charge" you? I can not think of any way - if he truly held his own policy under his own name and paid for it - that you could be held liable for his negligence.  I would seek help from your insurance agent to start and possibly your state department of insurance  Good luck. 


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 AttorneyPages.com 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.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption