Legal Question in Insurance Law in Georgia

liability in mva over insurance cap

my daughter at fault in rear end collision,other car totaled and medical injuries, i have double the state required amount of insurance but may not be enough to cover the costs. if amount over and i can't pay what can they do. i need my vehicle to work,my 2 daughters need thier cars to work and get to school (thier cars in my name - only mine paid off)i only have 10 years paid of a thirty year mortage i have no savings as i have one in college and another going later this year. what will happen?


Asked on 5/07/09, 9:16 pm

2 Answers from Attorneys
Ronald Arthur Lowry Ronald Arthur Lowry

Re: liability in mva over insurance cap

Your story is unfortunate but is also a very common tale. This is what can happen when you do not have enough liability insurance. The head of the household is responsible in GA for negligent damage done by children driving a car owned by the head of the household under the "family purpose doctrine." You are finding out the hard way that not enough insurance can be a real problem. Go to a reputable agent and get more coverage before one of your other kids does the same thing.

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Answered on 5/08/09, 3:39 pm
Glen Ashman Ashman Law Office also dba Glen Ashman Attorney

Re: liability in mva over insurance cap

You omitted details we'd need to know to even begin to answer you, including your daughter's age, your income, your assets, and details about the claim. It would be a verfy prudent move for you to consult with a lawyer right away to review options which may range from bankruptcy to doing nothing, depending completely on the information no one here has.

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Answered on 5/07/09, 9:37 pm


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