My daughter was in a car accident, she's on my policy but she owns her car, someone was hurt, what is my financial exposure?

Asked in Boca Raton, FL on August 6, 2026 Last answered on September 9, 2026

My daughter was in a car accident she is on my policy but she owns her car someone was hurt in the other car. My daughter was found at fault. I have 100,000/300,000 policy coverage. What is my financial exposure.

1 answer

Marc Hernandez
Answered by:

Marc Hernandez

West Palm Beach, FL
Lytal, Reiter, Smith, Ivey & Fronrath 561-716-5060
Answer

You will have no financial exposure beyond the insurance policy. If you owned the car in the accident then you could be held liable for your daughter's negligence, and you would be exposed beyond the policy. 

September 9, 2026

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