Excluding Teen Driver in Auto Insurance Policy In Arkansas
Reader’s Question:
My daughter has had several accidents and they want me to exclude her as a driver from our cars. The problem is that if I sign their paper, it will also exclude her as a passenger in my cars. Is that possible, can they do that? If she is in someone else’s car, will that person’s insurance pay if there is an accident and she is hurt? I live in Fort Smith, Arkansas.
Ray
Fort Smith, AR
It may differ from insurance carrier to insurance carrier, but, generally, when you exclude someone from driving, your car insurance policy’s insurance coverages are not extended to that individual if that person drives. Now, the coverages usually extend to the individual if that person is a passenger in your cars. I would suggest that you contact you insurance carrier to make sure your current understanding is correct. Now, if your daughter is a passenger in someone else’s car, the owner of the other car may have coverages that will cover your daughter like Personal Injury Protection and Uninsured Motorist.
Am I Liable for my Daughter’s Damages or Injuries if She Drives my Car?
Reader’s Question:
If I own a car, but my adult daughter drives it and insures it, am I liable for any damages or injuries if my daughter causes an accident? We live in Fort Smith AR.
Jenny
Fort Smith AR
The owner of a car is typically liable for the actions of anyone that drives that car.
So, the owner could be held liable even though your daughter insures and drives the car. There are cases where prosecutors or other parties may seek damages from the responsible party only and there are situations where state laws limit responsibility to the person involved in the accident.
As the owner of any vehicle, you should be certain that it is properly insured and that all liability is covered, regardless of who has the vehicle under their control, custody or care. For instance, if you owned a home in Fort Smith AR but your daughter was living in it and has renter’s insurance. You would still be responsible for the house and you could be responsibility for any damages that happens at that house.
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