If a friend is driving my vehicle, and my vehicle is not insured, am I going to be held liable if they get into an accident and cause damages? I live in Elyria Ohio. I am looking for an affordable auto insurance company in Ohio

Ricky

Elyria, OH

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

In Ohio, you can be ticketed for wrongful entrustment if you permit someone to drive your car without car insurance. If your car is uninsured in Elyria Ohio and you drive it on the roadway, either by driving it yourself or permitting your friend to do so, then you are placing yourself at risk for penalties by the state and financially if the vehicle is in an accident.

We promised our teen daughter that she can borrow our car every now and then if she’ll get an average of B or higher. She got an A which pleases us immensely. But now am starting to get worried. I’m not sure I’m ready to let her be out on the wild road, and also, our insurance premiums will surely be higher once we add her to our auto insurance in Canton Ohio OH. How do I get out of this?

Emma

Canton OH

Emma, surely you can’t keep your darling daughter inside your house forever. There will really come a time when you have to let her take the world on her own. The best thing you can do is provide all the protection and coverage you can for her, and that includes auto insurance. Yes, it is definitely true that your auto insurance premiums will increase once you add her to your list of authorized drivers. But surely you’d rather pay this than risk having to pay a much larger sum in the eventuality that something happens to her while driving the car? Depending on what kind of insurance you have in Canton Ohio OH, you can also compensate this with a health insurance.

Also, please take note that your daughter already made things easier for you. Many insurers in Canton Ohio OH will give discounts for teens who maintain an average of B or better. Being an A student definitely helps! She just has to maintain this good set of grades and you will have auto insurance discounts.

You can also surf the net for online quotes so you can compare how much the increase will be in your existing auto insurance. Just enter your zip code and answer a few questions to get free quotes in minutes. From one mother to another, i’m telling you – this is just the beginning, Emma. There will be many other things that your daughter will explore and again, your job is to take a back seat and let her learn!