Any parent of a teenager knows that teens don’t always make the best decisions. That’s why when you hand your car keys over to your teenager, you must understand how their decisions can ultimately affect you.
If your teenager is driving your car and they are at fault for an accident, it will typically be your insurance coverage that is responsible for paying for any damages and injuries. There is a stipulation, however, and if you aren’t aware of it it can really hurt. If you don’t add your teenager to your policy and they are not specifically named as a driver, the insurance company may deny them coverage.
The rule of “vicarious liability” means that if you loan someone your car and they are at-fault in an accident, your insurance company is responsible for paying. However, vicarious liability generally only works if the person who borrows your car doesn’t share the same address. If your teen lives with you and you haven’t specifically listed them on your auto insurance policy, then your insurance company may deny the claim and all financial responsibility could end up falling on your shoulders since they are a minor.
The Importance of Teaching Your Teen to NEVER Leave an Accident Scene
If your teen is involved in a fender bender or they back into a parked car, they might be tempted to leave the scene. They may be afraid of what Mom and Dad will potentially do. That is a huge mistake. If you hit a parked car and leave the scene of the accident, you can be charged with a hit-and-run. Not only will that leave you and your insurance on the hook for paying for damages if they are found out, but it could also open your teen up to criminal prosecution.
So before you hand your keys over to your teenager, first make sure that they are specifically listed on your auto insurance coverage policy. Second, be sure that you go over the rules of the road, especially what to do if they ever hit another car and the driver is not around. If they fail to take action by informing the other driver and exchanging information, they can face some pretty harsh penalties and criminal charges.
Make sure your teen understand their responsiblities and the rules of the road. One small mistake could land them in a whole lot of trouble if they don’t understand what the law expects of them.
If you or a loved one have been involved in a St. Louis car accident due to the negligence of another driver, call The Hoffmann Law Firm, L.L.C. 24/7 at (314) 361-4242 for a FREE case evaluation.