Auto Insurance Claims: liability, subrogation, insurance company

Question
My son (not living at home) took my car without permission
and wrecked it before I knew it was missing. The accident
was his fault, but the car is in my name. Am I liable for
damages?  Will my insurance cover a family member not on the
policy?  (oh, I also discovered his license was suspended)

        thank you
           Steve

Answer
Hello Steve,

This is a question I cannot answer without all the information to your specific situation.

You need to speak to your agent about your concerns.

Technically, you are going to be on the hook for the damage because it is your vehicle. Your insurance company in order to cover may demand you press criminal charges against your son.

The insurance company will be looking for someone to sue for subrogation purposes as well. The insurance company will probably make your son responsible for the damage after they pay for it.

This incident may affect what you pay for insurance and your son will most likely be named as a driver that will not be covered. In the event he takes your car again, then there would be no coverage and you personally would be responsible for any liability due to your son.

The answer given here is just general information. You need to contact your agent and the claims department of your insurance company.

Rob