If your teen driver is listed on your insurance policy, your carrier will likely cover the damages if they cause an auto accident. However, in some instances, the injured party may be able to sue you for an additional amount, even if you weren’t in the car. Personal injury attorneys see this a lot. The guide below explains when this might be the case so you can better protect your family.

Can Accident Victims Sue Parents for Accidents Caused by Teen Drivers?

Auto Insurance Coverage Limits

Every state requires drivers to carry some type of coverage to compensate those injured in an accident they cause. However, personal injury attorneys have witnessed how the costs of auto accident injuries can quickly outpace the limits of your policy, leaving you responsible for the rest. For instance, if you only have $50,000 in liability coverage but your child causes $100,000 in damages, the victim can sue you for the remaining $50,000. Therefore, it’s worthwhile to up your policy if you have a young driver at home.

Wrongful Entrustment of a Motor Vehicle

In Ohio and many other states, loaning a vehicle to someone else can, itself, be an act of negligence in some circumstances. For instance, if you knowingly allow your teen to drive the family vehicle before they have their driver’s license or during a time when their privileges have been suspended, you may be held responsible under the “wrongful entrustment” principle.

Vicarious Liability

Some states also hold parents responsible for accidents caused by teen drivers who were running errands for the family. This doctrine, known as “family use,” can be applied in a broad range of situations, from picking up siblings from school to buying groceries. If the damages from the accident exceed the limits of your coverage or your child wasn’t listed on your policy, the victims may be able to take action against the parents.

If you or a loved one has been in an accident in Ohio, turn to the personal injury attorneys at Lane, Felix & Raisbeck CO, LPA for legal advice. For over 30 years, they’ve represented clients throughout the Cincinnati area, demonstrating a steadfast commitment when it comes to defending their rights. Visit their website for a closer look at their services. Call (513) 922-7700 for a consultation with an accomplished personal injury attorney.