My insurance agent tells me my son needs to have the same liability limits as me due to family purpose doctrine. He owns the car, the loan is in his name. He lives with me. I pay his college, food and insurance needs. Can I still be liable for a vehicle I don't own or co-signed a loan for?
2006-12-08 13:02:19 · 4 answers · asked by EDWARD H 1 in Cars & Transportation ➔ Insurance & Registration
In law, the family purpose doctrine says that a person who owns an automobile is responsible for the actions of a family member driving the vehicle under the theory that the vehicle is owned for family purposes. If he lives with you, that's pretty much what clinches it. He and you are both considered insureds under the policy. Although I have never heard of using that to justify having the same limits on the vehicles. My understanding is that liability limits have to match on the vehicles, but you can change the deductibles for comprehensive and collision.
Potentially the problem if you were allowed to carry lower limits on one car would be that if an accident happened someone could make the argument that the vehicle should have the highest amount of coverage available and at least as much as what's on the other car. It turns into a lot of other legal arguments, and then you have state requirements too. He can either get his own policy or get the same limits. He should get as high as he can anyway. The best coverage you can get is always the way to go.
2006-12-08 13:53:19 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Sounds like your insurance agent is trying to bleed you for more money. Your son is of legal age and is solely responsible for his own actions unless he's been declared incompetent by the courts. If his car is on your policy, he should get his own policy. I'd suggest with a different insurance company or agent.
2006-12-08 15:11:24 · answer #2 · answered by Bostonian In MO 7 · 0⤊ 0⤋
All insurance companies do this. Firstly, the insurance companies want to know who else lives in the home (since they believe others in the household usually also drive the car--whether it's alot or not much at all). Think about it....if a parent gets a car in his/her name and a policy and a teenager drives the car...then the company will have more risk when the teenager drives. They are trying to cover their a-s-s-e-s while making him pay extra
2006-12-08 13:35:33 · answer #3 · answered by Anonymous · 0⤊ 0⤋
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2016-11-30 08:20:29 · answer #4 · answered by ? 4 · 0⤊ 0⤋
You shouldn't... that doesn't make sense to me.
2006-12-08 13:10:59 · answer #5 · answered by Afiniwish 2 · 0⤊ 0⤋