Yes they can, but its frivilous and will not hold up in court, it will be a major waste of time for them.
The previous answer is completely wrong. Your parents are the owners of the car and suit will be filed against them and also against you if you are over eighteen.
If the case goes to trial and the award is more than their insurance plus whatever your insurance company may be liable, then a judgment can be entered against your parents and also you if you are an adult.
You need to notify your insurance carrier since they may want to retain an atttorney for you.
Thanks for the responses. Just wanted to clarify, I have not been in this situation; only trying to get all my bases covered since I tend to drive their cars on occassion (I also have my own under my own insurance). The answer that I have been getting ("yes, they are liable") seems to be correct but somewhat illogical: I am the individual that has caused the wrong - I should be the only one punished. Does anyone know the specific statute(s) that outline that the insured (and not solely the driver) can be sued?
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
Commercial vehicle coverage will cost more. It has to cover any person driving and the more likely lawsuits against companies.
Yes, If you have made auto insurance coverage in Reno, it is valid throughout US.
Only if the car you are riding in has insurance coverage.
Yes, some of your own automobile insurance can cover you while driving your friends car. The coverage that your friend has on the car will be the primary coverage and then if that coverage is insufficient for the damage caused then you can go to your own policy for additional coverage.
Depends on your location, age, driving record, type of coverage, and the insurance company you have chosen.
When ever a driver is excluded on a policy, the insurance company will not pay out on any claims when that person is driving. Hes excluded, he has absolutely no coverage with your insurance. If he has his own policy with a different company, he will be covered. So in general when a driver is excluded, their is no insurance coverage. Its like he was driving without insurance.
The level of coverage generally depends on your insurance companies. Most quality insurance companies will cover you in the company car, however.
You always need insurance when driving any sort of motor vehicle. Even if it is a motorcycle, there are insurance companies that have coverage for it.
the owner of the vehicle is responsible for the ticket. he/she/they are legally required to at least have the minimum liability coverage your state requires.
If you don't have insurance how will it go against your insurance?
Insurance follows the car. Your roommates insurance will cover the damage providing that he has "collision" coverage.