Expert: Bennie719 - 2/12/2008

Question
my son is excluded from my policy i let him use the truck he hit a 1999 cavalier i live in florida what is going to happen what should i do on the report says no injury am i going to have to replace his car do i offer or do i let insurance take care of it both vehicles had pip but like i said he was excluded from my policy he is 18 who is responsible me or him cause he is an adult thanks for your help i do not know what to do do i need a lawyer is this going to get messy or is this on my son cause he is 18

Answer
Hi Kim,
Since your son is excluded from your policy, your insurance company is not going to pay any money to repair your car nor any money to repair the other car nor any money if the other party claims injuries.

Most states hold the registered owner of the car co-liable with the driver.  If that is true of Florida law, both you and your son are going to be responsible for paying for the damages to the other car as well as any injury claim that may be presented.

You will be fully responsible for paying for the damages to your own vehicle.

This situation could get very messy if the other driver claims injuries and secures an attorney.  If that happens, you will need to hire an attorney to represent you and your son.

I hope this has been of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area