Am I liable for 18 year old?

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yogi

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I've been told to take my daughter off my auto policy & get her own when she turns 18 next month. Someone else told me that even if I do this, I am still liable for her because she lives at home, and I could still be sued if she caused damage, injury, etc. Does anyone know the real deal in Mass?
 
Insurance Company will help you decide

Does your daughter own her own car (in her name only) ? If so, then her own insurance policy would make sense. If no however, and she is driving your car on a regular basis then you are responsible for the people you allow to drive it. Contact your insurance company. They will help you decide what is the best policy or policies for your particular situation and they are the experts. :p
 
this is the link to the Regulation on massachusetts auto insurance.

http://www.aib.org/default_java.htm

There you can get the 2006 regulations, I have included some pertinent information from those regs. If you have questions call your insurance company.

We will not pay for property damage which occurs:

1. While your auto is being used as a public or livery conveyance. This does
not apply to the use of your auto in a share-the-expense car pool arrangement
or in an expense reimbursement program either as a volunteer or at work.

2. While any auto is being used by anyone in the course of his or her
employment in the business of selling, servicing, repairing or parking autos. This
exclusion does not apply to the ownership, maintenance or use of your auto by
you or a household member.

3. While anyone is using a vehicle in the course of any business other than the
business of selling, servicing, repairing or parking autos. This exclusion does not
apply to private passenger autos, or to pick-up trucks, vans, or similar vehicles having a gross vehicle weight of less than
10,000 pounds and not used for the delivery or transportation of goods or
materials unless such use is incidental to your business of installing,
maintaining, or repairing furnishings or equipment.

4. While a household member, other than your spouse, is using an auto
which you or any household member owns or uses regularly unless a
premium for this Part is shown for that auto on the Coverage Selections Page.

5. While you or your spouse, if a household member, are using an auto
which you or your spouse, if a household member, own or use regularly
unless a premium for this Part is shown for that auto on the Coverage
Selections Page.

6. To an auto or other property owned by you or the legally responsible
person. Similarly, we will not pay for damage to an auto or other property,
except for a private residence or garage, which you or the legally responsible
person rents or has in his or her care.

7. When the property damage is caused by anyone using an auto without the
consent of the owner.
 
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