Legal Question in Personal Injury in Illinois

My 21 year old daughter has moved out of the house. I want to remove her from my car insurance policy. If she does not have car insurance and is involved in an accident, could I be held liable for the cost of the accident?


Asked on 11/28/10, 3:05 pm

3 Answers from Attorneys

Nima Taradji Taradji Law Offices

If your name is on the title of the vehicle you will be on the hook up to 100% of the cost of all damages your daughter may cause. Otherwise, no, so long as your name has no connection with her insurance, titile, or her domicile.

I hope this helps-

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Answered on 12/04/10, 6:44 am

I agree with Nima. So if you are on title, sign off on it and be sure to keep documentation that you have done so.

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Answered on 12/07/10, 9:50 am

A title does not confer ownership in Illinois. It is merely one element. In Illinois, typically insurance follows the vehicle, not the driver. It would be a simple matter to have her excluded under your policy for any of your own vehicles. Speak to your agent for details as insurers differ on this process. Finally, a lot will depend on what vehicle she is driving if she has an accident. Fact situations will differ, but if she as a non resident relative and is involved in an accident with a vehicle you don't own, the possibility of recovery against you is extremely remote.

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Answered on 12/12/10, 5:47 pm


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