Visitor Question

Liability for Adult Sons…

Submitted By: Jim (Florida)

My wife continues to pay for her two sons’ car insurance. They are 23 and 21 years old. The cars are in her name.

If either one of them was in a car accident where someone was injured, can they sue us and take everything we’ve worked for? Or would the liability part of the insurance cover it?

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 Jim,

It works like this:

In the unfortunate event either of your wife’s sons or she becomes involved in a vehicular collision and pursue legal action, your wife will be responsible for any amount of a judgment which exceeds her automobile insurance liability limits.

For example, if your wife has the minimum Florida insurance limits of 10/20/10 and the injuries to the passengers in the collision exceed $20,000 dollars, you wife will be responsible for any amount in excess of that amount.

Because Florida liability insurance limits are among the lowest in the nation, your wife should be concerned about the amount of liability insurance she carries. It doesn’t take much of a vehicular collision and resulting injuries to rise above the $20,000 dollar mark.

If your wife has property worth more than $20,000 dollars and she is as concerned as you about liability issues, you both would be well-advised to consider purchasing additional automobile liability insurance.

You would be surprised at how little it costs to purchase substantially more automobile liability insurance. A little bit of extra money now could prevent a financial catastrophe in the future.

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: December 11, 2011

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