Q: Hello, I have a question about auto accidents.
If I am on my parents car insurance plan, but I am listed as an individual driver, and have my own vehicle on their policy. Essentially, I have my own policy branched off under my dad’s. If I am in an accident, and the other party decided to sue for some reason, my insurance company would be liable, correct? Would there be any liability that falls on my parents? For example, if I get in an accident and the other party sued and won, would my parents face any costs or any issues simply because their names are on the policy? I would think and hope it would all fall on me, but I am not sure of the correct answer.
Thank you.
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