car insurance names

car insurance names
my mother’s car is in both our names, i’m making payments,she has insurance in her name. am i liable?

i bought and am making payments on a car for my mother. both our names are on the title. she has car insurance in her name. am i liable if she has a wreak. can whoever she hits sue me? we live in south texas, we travel in this car some to oklahoma.

first of all, if your name is on the title, BOTH of u should be on the insurance as named insureds. if you’re not driving the car, u dont have to be listed as a driver, but since you are part owner of the car, you DO have an insurable interest in the car. in other words, if the car is totalled, right now the check will only go to your mom & the bank, not you.
second, even though your mom would be the driver, if the claim exceeds the limit of liability she carries, yes, you can be sued f/ the remainder as it is your car too. maybe it’s not fair but YOU are responsible f/ anything you own and/or co-own, no matter what the situation is.
therefore, you need to be put on the insurance and then u can make decisions about what limits of liability are on the car. keeping in mind that you not only need to protect your mother’s assets but yours as well, b/c an attorny will go after anything and everything that he legally can.


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No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.

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