Is the registered owner responsible for an accident caused by the driver? Driver does have insurance for the vehicle...

Asked almost 2 years ago - San Diego, CA

She received the car when she was 16 yrs old, had sole possession of the vehicle for all 6 years, and at 18 obtained her own insurance. Her insurance has a $5K limit on liability. Is the registered owner financially responsible for what her insurance isn't covering? I am her mom and the registered owner.

Attorney answers (6)

  1. Frank Marvin Nunes

    Contributor Level 14

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    Answered . Make this easy on yourself. Report it to your insurance compnay as well. Your daughter's insurance company as well as your own have an obligation to settle the damage claims within you and your daughter's policy mits. The insurance companies along with the injured party's lawyer will sort this out for you. This is what you pay insurance premiums for isn't it?

    If you are a potential client, the information you disclose to us by email will be kept in strict confidence and... more
  2. Kevin Coluccio

    Contributor Level 20

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    Answered . It is difficult to understand the facts. You say that she was 16 years old and had the car for 6 years, which would make her 22 years old.

  3. Bret A. Schnitzer

    Contributor Level 16

    9

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    Answered . yes, in most states the owner is liable. Good luck

    You should consult an attorney in your State at once. This response does not constitute legal advise outside the... more
  4. Manuel Alzamora Juarez

    Contributor Level 20

    6

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    Answered . Thansk you for sharing this accident. Your insurance company should defend you, Also, have your daughter call her insurance company. Best of luck

    This answer is provided by Manuel A. Juarez, Esq., 'El Abogado Hispano de California, and it is of a general... more
  5. Edmond Elias Salem

    Contributor Level 3

    4

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    Answered . Under CA law, a registered owner is liable for a permissive use of his/her vehicle of 15k per occurrence and 30 in the aggregate. You have a duty to immediately notify your insurance carrier of the accident or you may have an issue of coverage. Good luck.

  6. Howard Robert Roitman

    Contributor Level 17

    1

    Lawyer agrees

    Answered . Where a car owner lets another person drive a car, most jurisdictions will treat the car owner as sharing liability for any accident caused by the borrower. The car owner's liability may be predicated on statute, or on common law principles such as negligent entrustment.

    The materials available at this web site are for informational purposes only and not for the purpose of providing... more

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