Beverly Hills, FL Personal Injury Law Firms & Lawyers

Can I be liable if - is one of the most dangerous and difficult questions for an attorney to answer, because it is difficult to predict all of the various scenarios that could give rise to liability. However, generally, having insurance does not create liability where it does not otherwise exist. Liability insurance merely provides coverage when you are liable for a an occurrence that is within the policy limits. Put another way, you analyze liability without reference to insurance. Insurance just provides coverage if you are liable. This is one reason in an auto accident case, you sue the at fault driver, and sometimes a parent or relative of the of the driver, not the insurer. Parents can be liable for their child's auto accident damages under a doctrine called the family purpose doctrine. If you are the head of a household and provide a vehicle to a family member for the use and convenience of the family, then you are liable for that driver's actions. It probably does not apply to an adult child who does not live with you, and certainly does not apply if your son bought the car or is paying for it (being a co-signer in my opinion would not qualify a s providing the car). Regardless of whether the family purpose doctrine applies to you, having him on your insurance would not cause you to be liable if you are not otherwise liable.

Yes. If the other driver has insurance and you were injured, you can make a claim against his policy. You can also pursue uninsured motorist coverage under your own policy if the other driver doesn't have insurance. If the other driver has a suspended license, it should not affect insurance coverage if its available.

Go see an attorney right away. He will have your case evaluate by an expert to determine if you have a viable claim. Don't wait, do this tomorrow; don't wait any longer; you have short fuse on statute of limitations in a med mal case.