Q: Car is in my name & mom insures & drives it. If she gets into an accident am I liable (as the car owner) in any way?
Mom does NOT live at my address.
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A:
In Ohio, as the owner of the car, you could be held responsible if your mother, who is insured to drive your car, gets into an accident. This is due to the principle known as "vicarious liability," which can apply to car owners when someone else operates their vehicle.
Your liability largely depends on the specific circumstances of the accident. For example, if your mother is found to be at fault, the liability could extend to you as the vehicle owner. However, if she is driving with your consent and is properly insured, her insurance might cover the initial claims.
It's important to ensure that the insurance policy adequately covers any potential drivers of the car, including your mother. You might want to review the policy details or consider discussing this with an insurance professional to understand the coverage limits and any potential gaps.
In any case, if an accident occurs, it's advisable to seek legal guidance to navigate the specific legal and financial implications involved. Laws can vary and having professional advice tailored to your situation is crucial in understanding your potential liability and the best course of action.
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