Legal Question in Personal Injury in Missouri

Re: Am I liable for son's accidents

Anyone can sue anyone else for anything. However, just because they might be able to sue, doesn't mean they are able to collect.

As a 19 year old, your son is of legal age and can enter into a contract. If the car he is driving is not insured, then he should probably not be driving it. In most states, however, if the car is insured, so is he. Every state's law varies, however. If your son is over 18, he should consider buying an automobile policy that covers him. If you are concerned, you could purchase one for him, or provide him funds to purchase one. This is probably not really necessary unless you have sizeable assets.

You would most likely not be subject to a lawsuit because your son is of legal age. Moreover, no one wants to sue someone who doesn't have an insurance policy or sufficient assets from which to collect.

If you are concerned, consider obtaining an "umbrella policy" from an independent insurer that would provide coverage for you in the event you were sued for such a loss.