Legal Question in Personal Injury in California

Limit of liability for co-owner of a car

Here is my situation, I am co-owner on a car with my former foster child (she is 18 now). I am also co-signor on the car loan. I am about to renew the car insurance for this vehicle but here is my question: How do I limit my personal liability if she were to cause an accident?

I have my own separate car insurance with my husband. We plan to purchase a home soon and I don't want any personal injury lawyer to be able to come and take our home away from us in the worst event. Please advise.


Asked on 10/02/04, 5:19 pm

2 Answers from Attorneys
Terry A. Nelson Nelson & Lawless

Re: Limit of liability for co-owner of a car

You don't. If your name is on title, you are legally responsible, up to at least the $15k per person limit under the law. Make sure the insurance on her car is up to date and adequate coverage limits. When the car is paid off, get off title.

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Answered on 10/04/04, 4:54 pm
Sam Eagle LAW OFFICES OF SAM M. EAGLE

Re: Limit of liability for co-owner of a car

You limit and protect everyone's personal liability by having a high amount of liability coverage on the car to take care of any claims against you or your daughter so that I don't come and take your home away.!!! Based on your assets and property, you could have $100,000 or $250,000 per person coverage with $100,000.00 for property damage. You should also have at least $5000 in "non-excess" Med Pay coverage and at least $100,000/300,000 for Uninsured Motorist coverage. Don't forget Collision for the car and rental coverage as well. Feel free to call me if you have any questions.

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Answered on 10/04/04, 5:24 pm


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