Anonymous asked in Cars & TransportationInsurance & Registration · 1 month ago

If someone was on your insurance policy but the car was registered to you who is responsible for a car accident?

This person is an adult and healthy, no problems, gets into an accident. 

Can the owner of the car be sued typically?


How do u ensure that only the driver is responsible

8 Answers

  • 1 month ago

    Typically, yes, someone can sue the owner or the driver or both.

  • Anonymous
    1 month ago

    "Typically?"  Yes, "always" is the answer to that.  The driver AND the owner would be sued.  You can't "ensure that only the driver is responsible."

  • Scott
    Lv 7
    1 month ago

    Ultimately, the owner is responsible.

  • May
    Lv 6
    1 month ago

    As to paying on the claim, The insurance company will be "prime", the driver, secondary and the owner of the car follows.

    Yes the owner can be sued...Anybody can be sued. 

    You cannot ensure that only the driver is "responsible"

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  • 1 month ago

    The driver is responsible.  Typically, the owner gets sued as well.  There is a bailment relationship with certain legal requirements on both parties.

  • 1 month ago

    The insurance company for the other person in the accident will go after the driver that was at fault. 

  • 1 month ago

    In short no, it has nothing to do with the owner. If a person driving a vehicle causes an accident, it is the driver that is responsible, but it is the owner's insurer that would have to pay up, not the owner.

  • Anonymous
    1 month ago

    The insurance company will pay for it if the driver is included in the "named drivers".  If there are no "named drivers",  insurance company will pay for the accident.  If you want to ensure that only the driver is responsible, the "named driver" will only be you and you do not let any other person drive your car.

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