You need to check with your insurance company to see if your son is covered even though he is not named on the policy.
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You should check on your coverage for drivers that are not added to your policy. Also, it is difficult to say whether or not you could be sued as there are some factors that need to be considered. First, if the damage is as limited as you say and no parties required medical treatment it is less likely that you will be sued, as the damages would be very small. That said, you can never be sure what medical treatment people will seek and medical bills can be racked up pretty quickly. Also, who was the driver at fault? If a police report was created and it attributes most of the fault to the other driver, you probably will have to worry less about being sued. In any event, if you are contacted by the other driver or their attorney regarding compensation for the accident you should turn it over to your insurer so that they can handle it.
Any statements are made for general informational purposes and do not constitute legal advice. No attorney-client privilege is created by this communication. Attorney is licensed in Missouri only.
You do not give us enough information to determine whether or not your son is actually covered. Permissive drivers are covered under your policy. I suggest that you call your insurance company immediately and report this fender bender. Failure to report the accident may void your coverage even if you have it.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
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