who is responsible???
my brother-in-law has had several
dwi's and doesnt have a vehicle or
license. i let him and his girlfriend
borrow my vehicle only so she could
bring him to work. they went out
one night for her birthday and were
drinking. she ran into the back of
someone and got a dwi in my
vehicle. now the people that were hit
are suing my insurance company. i
received a certified letter stating the
amount they are suing for is over
the amount my insurance will pay.
neither of them had any insurance.
am i still responsible since she was
drinking? if i cant afford to pay could
i lose my home?
2 Answers from Attorneys
Re: who is responsible???
The driver and you will be responsible for any amount awarded over your insurance coverage.
Re: who is responsible???
I do not know the amount of damages that will actually have to be paid but if the actual liability exceeds the policy limit you and the driver of your vehicle are liable for any excess damages. If she has no money they will try to collect from you. Your insurance company has a duty to defend you (including paying for your lawyer) in this case.
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