If my step-daughter purchaseda car from me, and was then at-fault for an accident, who’s responsible if the insurance was still in my name??

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If my step-daughter purchaseda car from me, and was then at-fault for an accident, who’s responsible if the insurance was still in my name??

Asked on April 16, 2011 under Accident Law, Georgia

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

You both are responsible for damages and lawsuits arising out of the accident (out of pocket for the costs that go beyond your insurance coverage payouts or what the insurance won't cover). Even though your step-daughter owns the car because she purchased it from you, the insurance was still in your name, and that may be a problem if the car title was in her name. Insurance companies may not cover either one of you if she isn't on the insurance as well, because those companies consider this a type of insurance fraud. Check your state's requirements for insurance coverage and check your policy to see if the insurance won't cover the damage if the car was driven by an uninsured driver.


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