Legal Question in Insurance Law in Florida

car insurance

my 18 year old step son was in a accident with his mother vehicle. She wants us to state that he lives with us because she didn't insure him. we all agreed that he needs to pay his own insurance do to him not wanting to go to college. So she never insured him and he has no job. Now her insurance want to run a investigation can they go after her home for the money? Is she responsible to insure him he is a adult.


Asked on 11/20/07, 5:59 pm

1 Answer from Attorneys
Alan Wagner Wagner, McLaughlin & Whittemore P.A.

Re: car insurance

An 18 year old living with someone is not required to be insured. If he has a car, he is required to be insured. That is his responsibility, not his mother's. That said, though, the owner of a vehicle is responsible for the negl;igence of ANYONE they lend the car to. There are limitations on the liability (as much as $500,000), but she is still liable because she loaned the car to him.

Unless he is driving the car with such frequency that he should have been disclosed as a driver, his mother's insurance should cover him (i.e., if you lend your car to a neighbor to drive down the street to the store, your insurance covers him).

Don't start lying about facts to obtain insurance. They call that insurance fraud.

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Answered on 11/21/07, 7:40 am


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