I recently rec'd very large amount of money. I have 2 step children that live with us. I took out a 2 million dollar liability umbrella in addition to car insurance. If the 20 y/o would crash, and the car is in her name completely, am i liable? If the 16 y/o crashes, and my name is not on car, just her moms, am I liable? Am I liable at all since I am not their birth parent and I have not legally adopted them. Please advise. Thank you
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