If a vehicle is my husband's, but in my name, am I liable if he wrecks?

jezzabell

yes

Insuranceman

Could very well be!

This could vary from State to State and you REALLY need to talk with your local agent.

In most cases - insured is defined in your policy as: 1) Named insured (the name that the policy is in) 2) Spouse and 3) residents of the household.

So...you're STILL married and the insurance is in YOUR name - is he listed as a driver or was he excluded from your policy?

Best thing to do is call your agent and discuss this with him. If he is drinking, you SURE don't want him driving "your" car. You could always have it "re-poed."

Good luck and I hope this helps!

shaRT

Both are.

The property is yours, therefore you can be sued, too.

However, the moving violation and criminal punishment (if he gets a DUI while involved in a collision) will be punishable to his driving record only.

So, in conclusion, he can be sued as being the driver that caused the damage, and you could be sued as well, because the property is yours.

The only way you would not be held accountable, is if you reported the vehicle stolen, prior to him being in an accident.

The best thing to do is to have him put on the insurance if he is driving your vehicle, OR not let him drive it at all. It's as simple as that; avoid risk by none being taken.

an_awsome_woman

yes. you have every legal right to confiscate it back..(sorry if my spelling is wrong). you may have to get police help though..

shamaroo - sudhagar

The owner of the car is only liable.(The name in the R.C.book)
Defenitely u will be in problem

justin c

yes if the insurance is in your name, if that is the case get that truck back from him or just pull the insurance and plates off of it

â™¥ Uwish â™¥

Technically you are both liable.
A.) you are liable because you are the vehicle owner, and
B.) he would be liable bc he caused damage and/or injuries

Best bet would be to make sure the vehicle is insured and you are both listed on the policy. That way everyone is protected thru the insurance

Sheila

Yes. And I think you could be liable in certain states, no matter how the truck is titled or loaned against just because you are married. Marriage creates like a joint asset realm, so if they sued even just him you could lose in that gamble also.

Marc

If he gets drunk and drives any vehicle he would be the liable party. There is no way you could be held responsible for his actions. I suggest as a matter of safety, that you recover the vehicle and keep it away from him since it is legally yours in the eyes of the bank.

sahel578

Yes. Its your vehicle, your husband just has permission to drive it.

suresh k

Hi there...
yes...by law...yes....
thats the way the system works...

best wishes...

Lance

Yes. He will also be named in any suit but you will be the ''Prime''.

oklatom

Yes, if it's in your name, you are liable for anything his insurance wouldn't cover. Is it paid for yet? If not, I'm sure the bank required full coverage.

If I were you, I'd get it out of your name. Even if it's still financed, talk to the bank.

sensible_man

YUP. You are the registered owner of the vehicle and responsible for any damages. I would suggest you get this matter cleared up before something happens. First thing I would do is check with the insurance company and see if he is covered.

Venom

do you have ins. under the car? if you have ins. and its under your name yes your liable..So take the care off your name.. if your not withhim.. you dont' want to be responsible for him

UCANTCME

BOTH OF YOU WOULD BE LIABLE BUT THEY WOULD COME AFTER YOU FIRST BECAUSE YOUR NAME IS ON THE TITLE.

kristin

To a point. If the insurance has his name listed as an authorized driver, they'll cover it to your insurance limits, andything over that, they can go after him for all he's got, and next in line is you.

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