Q: If my boyfriend was driving my car when he crashed it into a stopped vehicle, am I responsible for the damages?
A: Your insurance is responsible for the damages. Your boyfriend is primarily responsible, but your insurance covers anyone whom you have permission to drive your car. Generally speaking, you can only be personally responsible if your boyfriend was on an errand for your benefit (acting as your agent), or if you knew your boyfriend was either a reckless driver or was not legally allowed to drive (negligent entrustment). Otherwise, just because you are the vehicle owner does not mean you’re liable for the driver’s negligence.
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