Visitor Question

Insuring 20 y/o son who lives at home?

Submitted By: Rob (New York)

I have a 20yr old son who is working, but still lives at home. If he buys a car and insures it under his own name, am I legally liable for him if he is involved in an accident and injures someone? We live in NY. Do I need to insure him or should he be on his own due to legal matters? Thanks for any information you can give.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Rob,

Because your son is 20 years old, you will not be liable for property damage or personal injuries he might cause while driving his own car. This is true only if your name is not on the title of the car.

If you decide to place your son on your own insurance policy, doing so will not make you any more liable than if the car was insured on a separate policy purchased by your son, or a policy in which he is the only insured.

If you do choose to add your son to your insurance and he causes an accident, you would still not be personally liable. Instead, the injured party would have a right to pursue compensation under your insurance policy.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: February 28, 2015

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