If you are driving your parents' fully-insured car and have your own insurance and you cause damage to someone can they bring a civil suit against the parents beyond their insurance coverage?

Answer

Yes they can, but its frivilous and will not hold up in court, it will be a major waste of time for them.

Answer

The previous answer is completely wrong. Your parents are the owners of the car and suit will be filed against them and also against you if you are over eighteen.

If the case goes to trial and the award is more than their insurance plus whatever your insurance company may be liable, then a judgement can be entered against your parents and also you if you are an adult.

You need to notify your insurance carrier since they may want to retain an atttorney for you.

Answer

Thanks for the responses. Just wanted to clarify, I have not been in this situation; only trying to get all my bases covered since I tend to drive their cars on occassion (I also have my own under my own insurance). The answer that I have been getting ("yes, they are liable") seems to be correct but somewhat illogical: I am the individual that has caused the wrong - I should be the only one punished. Does anyone know the specific statute(s) that outline that the insured (and not solely the driver) can be sued?

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