Teen Car Insurance Davie Florida FL

Reader’s Question:

I gave my 17 year old daughter a car but it is under my name and she said she can carry the insurance on it in her name. Would I still be held liable in case of an accident? We live in Davie Florida.

Angela

Davie, FL

As the vehicle owner you could have vicarious liability meaning you may be liable for the negligent actions of the person (your daughter) using a car you own, even though you were not directly responsible for the accident.

There are other factors that can affect if you would be held liable if your daughter was in an accident in the car. Factors such as if she lives in your household with you, if your daughter is a minor, and if you claim her on your taxes as a dependant could likely make you liable as a parent to the actions of your teenage.

As for your daughter getting insurance, it would be best to make certain the limits are high enough so that if she was in an accident they would be covered properly. If they do not then as the owner of the vehicle you could be held liable for amounts in excess of the insurance policy limits.

 

Tags: auto insurance, automobile, teen insurance