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Parental ResponsibilityYes, since the 17 year old is a minor, Any litigation will typically name the Minor Child and the Vehicle Owneras well as the Parents or other Legal Guardians as defendants in the law suit.

The Minor Child is a party to the suit because as the At Fault driver, they are directly responsible for the accident.

The parents or legal guardians are liable due to parental responsibility laws.

The Vehicle owner is liable because they allowed an uninsured driver to operate the vehicle.

The financial liability is joint and several. This means that any one party and/or all parties can be held fully liable jointly or separately for the total costs of all injuries and damages incurred.

Good Luck

Uninsured At Fault AccidentsYou not only can but will be sued for an at fault accident. By choosing not to carry insurance you are choosing to accept 100% of the risk of you having an accident and for the entire risk of paying for damages for the accident. If you have no insurance at the time of the accident the other driver will have no choice but to make a claim on his uninsured motorist insurance coverage. After this the UM coverage will take care of their insured's repairs and or injuries. Next will come the swarm of lawyers that are employed by the insurance company which will begin with a demand letter asking you to immediately pay the entire amount of the loss including legal fees. If it is not paid immediately suit will be filed against you, anyone else who owns the car, and anyone else who resides with you or whom is responsible for you such as your parents. More than likely you will work out a payment plan where the money plus interest, legal fees, collections costs, and court costs will be added to balance owed. This amount will be divided into equal installments and deducted directly from your check as a garnishment. In some states you will not be able to get your permanent license until this balance is completely paid off.

Yes! The 17 year old either needs to be listed as a driver on the auto insurance policy or must have his/her own insurance. Auto insurance companies do provide insurance to young drivers who have a license even though they are classified as high risk drivers. Since the 17 year old is a minor, Any litigation will typically name the Minor Child and the Vehicle Owner as well as the Parents as defendants in the law suit.

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Q: Can a 17 year old who has a driver's license but no car insurance get sued for at fault auto accident?
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