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Q: If a car is titled to an 18- year old but she is under her parents insurance policy whose responsible if she gets in an accident?
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Can an 18-year-old covered under his parents' insurance policy be sued for an accident if his parents allowed the policy to lapse without his knowledge but he had given them his monthly payment?

Yes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.


Do you have to live with your parents in order to use their insurance coverage in an accident i had an accident with rental car my parents insurance would cover?

You don't have to live there as long as you are listed on the policy.


Who is responsible for insurance deductible in an accident of commercial vehicle?

The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.


In an accident who is liable the 18 yr old driver or the parents who own the car and insurance policy?

parents if the insurance is under their names


Your sister got into an accident with your car and you don't have insurance she is listed under the parents insurance who pays?

Parent's policy pays


What happens if I get in an accident and only have your permit?

If you are in your parents vehicle and you are on their auto insurance policy, you would be covered.


Do you have to live with your parents in order to use their insurance coverage in an accident?

You do not have to live with them as long as you are listed on the policy.


What is accident policy?

An accident policy is an insurance policy that will pay all or a portion of medical expenses incurred in the course of an accident.


What is the parent's responsibility for medical bills for adult children that are on the parents insurance policy?

If the child is over age 18, then the parent is not responsible for the child's medical bills. The child is legally responsible for anything that the insurance policy did not pay.


If you are driving with only a permit and a licensed driver is in the car next to you but the car is under your parent's insurance policy will an accident be covered by your parents insurance policy?

Yes, unless you are listed as an excluded driver. To be sure in the future have your parents add you to their policy. Provided you are 18 or younger, most companies will not charge you to be on your parents policy with just a permit.


If you have your own car insurance policy can your parents be sued if you live in their home and you are involved in auto accident?

If you are under 18, yes.


Who is responsible for damages if a permit driver who is not on your insurance policy nor is a family a member drives your car with your permission while you are in it and they get into an accident?

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