Legal Question in Personal Injury in Alabama
My 16 year old son was involved in a fault accident, hit a motorcyclist who was injured and has incurred about $200,000. of medical care. I had him on my insurance policy but the limit was about $40,000/. Can the other injured party take my house , garnish wages, or make my son appear to answer questions? I am on disability and am financially at hardship. But nervous. Thanks for any encouragement.
1 Answer from Attorneys
Depends, although unlikely. Usually a plaintiff will accept your limits, but sometimes if defendant has big assets, plaintiff may not. Also, depends on whether their is a negligent entrustment action against you.
You should speak with your insurance carrier regarding your concerns. Also, you probably will want to increase your coverage limits in the future; maybe purchase an umbrella and, depending on whether your son's wreck was a one time deal, or a pattern of behavior, you may want him to take a defensive driving class and/or restrict his access to a car.
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