Legal Question in Personal Injury in Texas

I have an 18 yr old son who is pretty much out of control. He has a jeep and I am thinking about changing the title into his name. If he is a named insured on my policy but has the vehicle in only his name, could I be held legally liable for damages over policy limits because he is still living in my household? Should he have a separate policy in his name only? Then, I am told, they would exclude him from driving my vehicle and there might be times of emergency when I would need him to take me somewhere. What do you suggest to protect me should he be involved in a vehicle accident that resulted in property damage and bodily injury that exceeds the limit of liability?


Asked on 11/13/12, 10:59 am

1 Answer from Attorneys

David Leon David L. Leon, P.C.

You should probably discuss an umbrella policy with your insurance agent. You can also retitle the car to him, put his name on the policy for his car, and not exclude him from your personal policies. Also, go with a top tier insurance company (Amica, etc.) and not a cut rate provider.

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Answered on 11/13/12, 11:20 am


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