If I get into a car accident with no insurance, but the title is under my fathers name what happens?

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i got into a car accident that I was deemed at fault. There was another 3rd party car involved that was the start of it. Eventually their doings caused me to crash into another car. They left the scene, so I was at fault between me and another car. I do not have insurance, and the car is registered and in the title of my dads name.

What will happen?

If I get insurance immediately, would it cover the costs? Or would they come after my dad?”

Asked October 9, 2018

1 Answer

If you get into a car accident and you are driving a car that is registered under your father's name, but you have no insurance, the situation can vary depending on the state you are in and the insurance policies of your father. In some states, the car owner's insurance policy may provide coverage for damages caused by a driver who is not listed on the policy, such as an uninsured driver. This is known as "permissive use" coverage. However, not all insurance policies include permissive use coverage, so it is important to check the specific policy. If your father's insurance policy does not provide coverage, you could be held personally responsible for the damages and may be sued for the costs of repairs, medical bills, and other expenses resulting from the accident. Your father could also be held liable if he was aware that you were driving the car without insurance. If you are found at fault for the accident, you may also face legal penalties, such as fines, license suspension, or even jail time. Additionally, if you are at fault and someone is injured, you may be responsible for paying their medical bills and other damages. It is always recommended to have insurance coverage when driving a vehicle, regardless of who owns the car. If you do not have insurance, you may want to consider purchasing a non-owner car insurance policy, which provides liability coverage for drivers who do not own a car.

Answered October 11, 2018 by agenture

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