Automobile Insurance Coverage Jackson, Mississippi MS

 

Reader’s Question:

If someone else is driving my vehicle in Jackson, Mississippi, and my car is not insured, am I responsible if they get into an accident?

John

Jackson, MS

Generally, yes as the vehicle owner you can be held responsible for damage a driver causes in your uninsured car in Jackson, Mississippi. As the automobile owner you have vicarious liability for those that drives your automobile. If the vehicle is not insured and your state requires car insurance, or another type of financial responsibility to be on the car, then you should not operate it or permit another person to drive the car and thus knowingly breaking the law.

Normally in an accident insurance follows the vehicle first and driver second, so you as the vehicle owner are primarily liable. If the driver causes an accident then both the you as the vehicle owner and the driver can be held responsible for the damages the driver caused while driving your car.

 

If the driver is cited for driving uninsured at the scene of the accident then in most states they can have this ticket dismissed if they provide the court the vehicle owner’s information for the ticket to be transferred to the vehicle owner. Penalties for permitting an uninsured car on the roadway can include fines, registration, suspension of driver’s license, car impoundment, etc.

 

Tags: auto insurance, driving without insurance