Is Parent Legally Responsible For Teen Driver on Insurance Policy
Reader’s Question:
I have an 18-year old daughter who has a registered car under her name but still under my car insurance policy. If she is involved in a car accident and she is at-fault and the damages incurred are beyond the limits of my auto insurance policy, will the other party have the legal rights to run after me? I mean, since I am the owner of the car insurance coverage or will they run after my daughter?
Bridget
Arden-Arcade, CA
Insurance laws differ from every state. But since you live in California and you are the policyholder, I would suggest to check with you car insurance agent in Arden-Arcade, CA to clarify the specific details of your car insurance policy. You can also seek legal assistance to further help you with your question.
But just to give you some idea, what I know is that if your daughter is under 18 years old, your parental liability would be more since she is considered as a minor as compared when she reached 18 years of age.
According to parental liability law in California, parents or guardian are to be held responsible for any damages resulting from minor vehicular accident in an event that a minor is involved in such accident. This depends though if said minor’s license was signed by his/her parent or guardian.