Legal Question in Insurance Law in Missouri

My husband and I recently purchased a new car for our adult son. The car is titled in our son's name only. neither my husband's nor my name are on the registration/title in any manner.

The question is: since we are making the payments (we're the lienholders on the loan for the vehicle), can we be sued if our son is in an accident? Our son carries insurance on the vehicle in his name, with no reference to the fact that his father and I are paying for the car.

Thank you.


Asked on 7/23/09, 4:33 pm

1 Answer from Attorneys
Anthony Smith LawSmith

the question isn't really "can you be sued?" Almost anyone can be sued. The issue is whther the suit would be successful. As long as you Son is not a knowingly reckless driver, then you would not be liable. If you are paying a loan with the car as collateral, then the lender likely has their lien listed on the title. An injured party might be able to discover who the debtor is on the loan. But, when they discover that your insure will not provide coverage for the vehicle, the claimant would likley not pursue you any further.

Good Luck

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Answered on 7/23/09, 10:51 pm


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