I have a car I do not use; and I want to give it to my mom without changing ownership. She cannot own a car for financial reason. My question is if she crashes or is involve in an accident and she does to buys insurance, how is liable? Is she liable because she was driving? Or Am I liable because I am the owner.
We live in Texas (different cities), if that helps.
2007-02-02 16:13:27 · 9 answers · asked by College Guy 4 in Cars & Transportation ➔ Safety
in any state now they always hold the owner liable for the damages ,but both of you could be sued for damages if they find out its in your name and she isn't listed on the title any where at all,its a tricky thing when you get down to facts about insurance and cars they used to just hold the driver responsible ,but not any more ,it would make both of you liable for the damages,good luck i hope this help,s.
2007-02-02 16:25:33 · answer #1 · answered by dodge man 7 · 0⤊ 0⤋
If you are the owner of the car, you can be sued even if your mom is the driver. It's not really clear to me when you say that she cannot own it for financial reasons. Is she uninsurable? If she gets title to the car and is the policy holder of the insurance, but doesn't have enough $, maybe you can help her out by paying for the insurance. If your mom is a bad driver, maybe you should do yourself and her (and a family of 4 who are just driving to the store and have no idea about the quality of other drivers out there) a favor and not encourage her to drive.
2007-02-02 17:43:20 · answer #2 · answered by Santa C 3 · 0⤊ 0⤋
Well, it all depend if she lives with you or not. Most insurance company states if you live in the same house hold and you have insurance in your car liability or full it does'nt matter as long as you hold insurance on the car at all times. If you want your mother to drive the vehicle then you must ad her to your insurance policy as driver it can be 50% or you driving and 50% of your mom driving the vehicle.In that reason because you are the Register owner of the vehicle.Or another way to do it is have your mother buy car insurance under her name and ad you as a dependent if you are under 25 years old. That will be better way to go if that is your age. Well, good luck. good idea to go with a full coverage with a 1000 deductable. It is the cheapest way but also covers you behind in case some did happen. It all depends on your car values think if your car is worth 5000.00 you may or may not want it to be full coverage but if your car is worth like 50,000 them yes, definitely you will want to get full coverage.
well, good luck hope this helps you, Please consult you local car insurance agent for specific state and local laws.
http://www.lowcostinsurance.com/frame_quote.asp?strURL=auto
2007-02-02 17:37:11 · answer #3 · answered by najojo 2 · 0⤊ 0⤋
BOTH....as the registered owner of the vehicle you are ultimately responsible for anything your car does, whether you're driving it or not. Call your agent, list your mom on the policy & tell them where the vehicle is garaged and be sure you carry more than enough liability insurance in the event she's at fault for an accident.
2007-02-02 18:25:48 · answer #4 · answered by bundysmom 6 · 0⤊ 0⤋
no; all they owe is so which you will get to your activity/grocery etc. I somewhat have had attorneys argue that their shopper had a mercedes and that they rented a intense end vehicle and provided bill. we in basic terms paid for a easy motor vehicle which replaced right into some million/2 of the fee. the shopper replaced into out of pocket for the attorneys stupidy. in case you had long previous thu your person company for maintenance and in case you had condominium coverage, it may pay the optimal according to day fee that's between 20 to 30 an afternoon. this usuallly will pay for a easy lower priced motor vehicle. there are some cases we enable and that's in case you go with for a truck to apply on your activity. you haul 6 youngsters to college and soccer prepare a week and cant use a small motor vehicle, yet choose for a van or suv. then they could evaluate. condominium expenses have been as much as 1k to over 2k pending time needed. I somewhat have had condominium expenses that have been extra advantageous than the damages of the vehicle. this is the reason coverage companies in basic terms pay for "easy transportation" stable success
2016-12-16 20:00:10 · answer #5 · answered by forgach 4 · 0⤊ 0⤋
With her mentioned in the insurance, she has an accident, it is her responsibility. You can lease the car to her for $1 a year!
2007-02-02 16:24:13 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Your mom. on less you let knowingly someone who is a know drunk, drug addict or just plain crazy ( not to say your mom is) Be sure you have really good insurance and she is listed on you policy. Tell the agent whats up so all bases are covered
2007-02-02 16:24:44 · answer #7 · answered by Boston Mark 5 · 0⤊ 0⤋
unless her name is also on the title and she has insurance on that behicle under her name, then she would be liable. but if you don't have her listed on the title or the insurance, then you are liable. its your car.. if you insure both of you as driving it, then it would depend on who wrecked it..
2007-02-02 16:20:06 · answer #8 · answered by Spirit 5 · 0⤊ 1⤋
i would have to say that you would be the one responsible because you are the owner of the car.
2007-02-02 16:18:03 · answer #9 · answered by Anonymous · 0⤊ 1⤋