AboutRichard 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 20 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 10 times.
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.
Question I live with my mom. I drive her car. i am on the policy as an additional driver. The car title is in HER name and registered in HER name. if i get into an accident that is my fault and I hurt or kill someone, can they sue my mom above and beyond the coverage of the insurance policy?
Answer Hi Riccahet,
In most cases no. If you are 18 or over and the accident is your fault, then the liability would rest solely with you. However, a slick lawyer may find a way to try to make your mother liable since it is her car.
The best thing to do is to have your mother contact her insurance company to see how much more it would cost to increase the liability limits on the policy. It usually does not cost much more to increase the policy limits. She should have at least 100/300/50 in liability limits.
