Can I be sued if car is in her name but insurance is in mine in an at fault accident?
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Asked July 1, 2015
Yes, it is possible for you to be sued if the car is registered under someone else's name, but the insurance policy is in your name, and you are at fault in an accident. When it comes to car accidents, the insurance policy covering the vehicle is the primary source of coverage for any damages or injuries resulting from the accident. This means that your insurance company, as the policyholder, would generally be responsible for covering the cost of any damages or injuries caused by the accident up to the policy limits. However, if the damages or injuries exceed the policy limits or if the insurance company refuses to cover the damages for any reason, the injured party may decide to sue both the driver and the owner of the vehicle. In this case, if the vehicle owner's name is on the car's registration, they could be held legally responsible for the accident, regardless of whether or not they were driving at the time of the accident. If the vehicle owner is found to be liable in court, they could be held responsible for paying damages out of pocket, regardless of whether or not they have insurance. Therefore, it's important to make sure that all parties involved in the ownership and operation of a vehicle have adequate insurance coverage and are aware of their potential liability in the event of an accident. In summary, if you are driving a car that is registered under someone else's name, but you are the policyholder for the insurance policy and are at fault in an accident, both you and the owner of the vehicle could potentially be sued for damages. It's essential to ensure that all parties involved have adequate insurance coverage to protect themselves against potential liability in the event of an accident.
Answered July 9, 2015 by Anonymous