MyFreeAccount OP t1_iyd4o22 wrote on November 30, 2022 at 2:53 PM

Reply to comment by MikeWPhilly in My 19yo nephew was at fault and uninsured in an auto accident. He received a bill for $54k from the opposing insurance company. by MyFreeAccount

The car was insured... liability only.

Any-Yoghurt9249 t1_iyd7zwz wrote on November 30, 2022 at 3:17 PM

liability only is for damage you cause - so wouldn't this be covered? If he had moved it makes sense to take him off the policy, I believe you only need someone on the policy if they live with you and/or drive the vehicle at least occasionally.

halifire t1_iydoy3a wrote on November 30, 2022 at 5:09 PM

Auto insurance is very state-specific. I'm not familiar with CA's laws but in my state your insurance covers occasional use by parties not included in your policy. One exception to this is if the person who was driving lived in your home and was not added to the policy. If the nephew had a left the state then the policy might cover this accident but the insurance company might think that the nephew still lived with them thus denying the claim. At this point attorneys really need to get involved.