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Auto Insurance Claims/What's my liability if I have insurance on a car not owned or driven by me?

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Expert: - 3/17/2009


Question
My friend has separated from her husband who can not get liability insurance so the insurance is in her name.  The car is not registered to her, owned by her or driven by her.  What is her liability? She doesn't want to cut her husband's legs out from under him but he has caused them so much debt she is try to limit her liabilty.

Answer
Hi James,

In most cases she would not be liable if he was at fault for an accident. However, I would question why he can't get liability insurance. If it is because his license is suspended or revoked then she could be liable for buying insurance to allow an unlicensed driver the ability to drive.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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