What happens if my son borrows my car and gets into a car accident or gets a DUI?
Question Details: He is 33 years old and has had other DUI issues.
As the registered owner of the vehicle, you are liable if your son is at fault in an accident while driving your car. I
If your son is not on your insurance policy, your insurance company will claim that he is an unauthorized driver and will deny the claim of the other party not at fault in the accident. This means you will be personally liable for the property damage (cost of repairs) to the other vehicle not at fault in the accident and the personal injury claims of every occupant of that other vehicle. The personal injury claims will include the medical bills, pain and suffering which is an amount in addition to the medical bills and wage loss.
If your son has another DUI while driving your vehicle, you may be liable for negligence for letting him drive your car with your knowledge of his history of DUIs. You would be liable for the property damage and personal injury claims of the occupants of the vehicle not at fault in the accident.