Adult Children and Your Liability if They're Negligent
If you have an adult child who you are still paying some expenses for, or they are studying in college (living either away from you or at home), you could still be held liable for any damage they cause through their own negligence.
They may even have their own car insurance, in their own name, but if your child ends up injuring someone severely and is sued and the policy limits on their car insurance are not enough to cover the judgment, you could still be held liable for damages that the policy didn't cover, depending on the circumstances.
And your car insurance or homeowner's insurance won't cover it, meaning you'd have to pay out of pocket if your child cannot.
That said, aside from car accidents, negligent and/or intentional acts that damage someone else's property or injure a third party could be covered under your homeowner's policy and an umbrella policy.
For the purposes of this article, we are talking about mostly an adult child under the age of 25 living at home or away at college. The key factors that would possibly trigger homeowner's or umbrella coverage in terms of parents having some liability for their adult child's actions are:
Their continued financial support of the child, and/or That the child lives under their roof.
The car insurance issue
There may be occasions when parents of a 20-year-old reckless driver who is either still living at home or away at college may want to take steps to separate his liability from their own, like:
Putting the car he drives in his name. Removing him from their auto insurance policy. Requiring him to buy his own insurance (they may figure also that if they make their child pay the premium, the financial pain will reform his driving habits).
When you remove a young adult driver from the family policy, you reduce the probability of a claim for property damage, first party and third party injuries, and other liabilities that may result from an accident.
It would reduce the parents' auto insurance premiums and push the liability to the child's insurance. However, if they are sued for extreme negligence and the award exceeds the policy's liability maximum, the additional award could be on your shoulders if your child doesn't have the personal resources to pay.
Your own car insurance would not cover it and, since it's auto-related, the homeowner's policy wouldn't cover it either.
Coverage explanation
The scope of coverage for minor and adult children under their parents' homeowner's policies, with respect to personal property coverage and personal liability coverage, rests on the policy definition of "insured" in the typical policy.
The definition, in pertinent part, includes relatives who are residents of the named insured's household. Children, brothers and sisters, parents and grandparents are examples.
This doesn't mean that your 40-year-old daughter who is over for dinner is covered, though, since a visitor is not a resident.
Also, the policy will cover persons under the age of 21 in the care of the named insured (such as a foster child), as well.
The next time your homeowner's or renter's policy is up for renewal, please call us and let us know if you have any grown children and what their status is in terms of living arrangements, and any financial support that you may provide them. It will help in determining who is and who is not covered in your family and household.
Thank you for visiting the Partners Insurance Agency blog. We hope you found our content helpful and informative.
For liability for anyone's negligence, you have to have control over that person.
Therefore, employer would be responsible for damages caused by an employee during the conduct of employer's business, such as in the business of delivery, installation, repair etc.
To hold a parent liable, the plaintiff has to show that the parent has control over the adult child. Now, when the adult child was acting on behalf of the parent, such as picking up siblings, the adult child could be treated as the parent's employee (or agent 代理）. so in this limited situation, the parent might be liable for harm caused during the conduct of "family business".
If the child just harms someone on his/her own, usually the parents won't be liable.
The jury found that Nikiema’s negligence in failing to stop at a stop sign, while speeding, caused the accident that resulting in Perez’s injuries. The jury also found that he was operating his van as an employee of Yellow Cab at the time of the accident.
Adult Children and Your Liability if They're Negligent
If you have an adult child who you are still paying some expenses for, or they are studying in college (living either away from you or at home), you could still be held liable for any damage they cause through their own negligence.
They may even have their own car insurance, in their own name, but if your child ends up injuring someone severely and is sued and the policy limits on their car insurance are not enough to cover the judgment, you could still be held liable for damages that the policy didn't cover, depending on the circumstances.
And your car insurance or homeowner's insurance won't cover it, meaning you'd have to pay out of pocket if your child cannot.
That said, aside from car accidents, negligent and/or intentional acts that damage someone else's property or injure a third party could be covered under your homeowner's policy and an umbrella policy.
For the purposes of this article, we are talking about mostly an adult child under the age of 25 living at home or away at college. The key factors that would possibly trigger homeowner's or umbrella coverage in terms of parents having some liability for their adult child's actions are:
Their continued financial support of the child, and/or That the child lives under their roof.The car insurance issue
There may be occasions when parents of a 20-year-old reckless driver who is either still living at home or away at college may want to take steps to separate his liability from their own, like:
Putting the car he drives in his name. Removing him from their auto insurance policy. Requiring him to buy his own insurance (they may figure also that if they make their child pay the premium, the financial pain will reform his driving habits).When you remove a young adult driver from the family policy, you reduce the probability of a claim for property damage, first party and third party injuries, and other liabilities that may result from an accident.
It would reduce the parents' auto insurance premiums and push the liability to the child's insurance. However, if they are sued for extreme negligence and the award exceeds the policy's liability maximum, the additional award could be on your shoulders if your child doesn't have the personal resources to pay.
Your own car insurance would not cover it and, since it's auto-related, the homeowner's policy wouldn't cover it either.
Coverage explanation
The scope of coverage for minor and adult children under their parents' homeowner's policies, with respect to personal property coverage and personal liability coverage, rests on the policy definition of "insured" in the typical policy.
The definition, in pertinent part, includes relatives who are residents of the named insured's household. Children, brothers and sisters, parents and grandparents are examples.
This doesn't mean that your 40-year-old daughter who is over for dinner is covered, though, since a visitor is not a resident.
Also, the policy will cover persons under the age of 21 in the care of the named insured (such as a foster child), as well.
The next time your homeowner's or renter's policy is up for renewal, please call us and let us know if you have any grown children and what their status is in terms of living arrangements, and any financial support that you may provide them. It will help in determining who is and who is not covered in your family and household.
Thank you for visiting the Partners Insurance Agency blog. We hope you found our content helpful and informative.
For liability for anyone's negligence, you have to have control over that person.
Therefore, employer would be responsible for damages caused by an employee during the conduct of employer's business, such as in the business of delivery, installation, repair etc.
To hold a parent liable, the plaintiff has to show that the parent has control over the adult child. Now, when the adult child was acting on behalf of the parent, such as picking up siblings, the adult child could be treated as the parent's employee (or agent 代理）. so in this limited situation, the parent might be liable for harm caused during the conduct of "family business".
If the child just harms someone on his/her own, usually the parents won't be liable.
但是谁也不敢打包票，谁知道你和孩子会不会no zuo no die?
各位正牌保险经纪人不要骂我，说错了权当我是冒牌，对了点个赞（网络微信时髦话）。
摘自我的”笔记“： 推销保险第一要诚实，在第一点的基础上要善于发挥，拔高，好处最大化，缺点尽量不主动说（不问不说）。比较有用的方法：1，吓唬：非常诚实的告诉潜在客户，没有保险是多么危险的事，买低额保险是多么不合算，你不知道保险XYZ是多么的可惜，碰到我你是多么的运气。2，举例：谁谁谁，买了保险现在比我都福。谁谁谁，出了事，保险不够罩，惨。
对伞险多讲几句。这是补充保险，一般要求你先买一定保额的汽车，房屋，人身保险，出了事先走那些保险，不够的伞险公司才考虑赔。要想有伞险，先要有保险，很绕口。
记着几点：
1，买保险是预防万一，不是投资。
2，保险公司第一要赚钱，然后才会弥补你的损失。
3，十赔九不足。
https://www.lawhancock.com/blog/auto-accident-question-what-if-my-son-had-an-accident-with-my-car/
现在有了点臭钱，这个也想省，那个也想保，真是活得累。
不知道是不是这个案子，7百万是因为告的是出租车公司，不是仅仅告司机。
https://www.joestephenslaw.com/joe-stephens-wins-7-million-verdict-against-houston-yellow-cab/
The jury found that Nikiema’s negligence in failing to stop at a stop sign, while speeding, caused the accident that resulting in Perez’s injuries. The jury also found that he was operating his van as an employee of Yellow Cab at the time of the accident.