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The general rule when it comes to auto insurance is that everyone who is listed on the policy or given express permission to use your vehicle is covered. However, there are some exceptions to be aware of—exclusions that could potentially hold you liable if someone else has an auto accident while driving your car. Here are a few of these exceptions in more detail, so you are aware of any issues before they occur.

Unfit Drivers

Allowing someone to drive your vehicle who is unfit by any reasonable measure can result in you being liable for damages should an accident occur. The term unfit can encompass any number of different individuals, including an unlicensed driver or someone who is not of legal age to operate a motor vehicle. Also in this category is a driver who is under the influence of drugs or alcohol or has a medical condition that prevents them from safely driving.

Employees Driving a Company Car

auto accidentA driver who gets into an auto accident while driving a company car during the course of the workday is often not considered legally liable for the incident. Instead, it is their employer who can be held accountable for their employee's negligence behind the wheel. This is sometimes referred to as vicarious liability, and by virtue of the working relationship between employer and employee, the employer bears the responsibility for the crash.

Minor Children

If a minor child gets into an auto accident while operating your vehicle, you could be held liable. In most cases, your insurance will cover the minor, as long as they are on your policy and fully licensed. But what if the parent doesn't have insurance? In this scenario, the parent of the minor would likely be the one who is sued for damages.

 

If you are being sued for negligence in an auto accident and weren't the one driving, explore all of the available legal options with Mingus Law Office in Columbia, MO. Attorney Tom Mingus has been representing accident, personal injury, and family law cases since 1993. Call (573) 443-5202 to schedule a free consultation today, or visit him online to learn more about his practice areas.

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