Legal Question in Personal Injury in Pennsylvania
Lawsuit Liability
My son is on my auto insurance policy. If he has a bad acciudent with damages over and above the insurance limits, can I be sued? More important, can my wife be sued? This is in Pennslyvania.
1 Answer from Attorneys
Re: Lawsuit Liability
You could be sued if your son was acting as your agent at the time of the accident - for example if you had sent him to the store to get you a gallon of milk. You could also be sued if you were personally negligent somehow, for example, if you knew that your son didn't have a drivers license but still allowed him to take your car. Otherwise, you should be okay.
Your insurance will still be effected, because your company would be responsible for any damages up to the policy limit.
Without knowing more about the situation, I can't offer you any more specific thoughts about how you should proceed. You may, however, wish to pay for a few hours of a lawyer's time just to go through the full facts and circumstances of this issue so that you can obtain comprehensive legal advice.
Good luck, and I hope your son is okay.