The liability belongs to the parents. The child is a minor.
When a parent says their child was an accident it means the child was planned.
The parents of the first child. Insurance will not cover this because a policy holder has a duty not to let unlicensed driver have their vehicle, whether a minor or not. The first parents are responsible because they knowingly let their child drive without a license and their kid let an unlicensed drunk driver drive their vehicle.
Yes, The owner of a vehicle is just as liable for an accident as the driver. Both the driver and the Vehicle owner are both jointly and severally liable for the cost of an at fault accident.Since you say the title is in the parents name, Then the Parents are in fact the legal owner of the vehicle as far as the state is concerned.The at fault driver is liable because they caused the accident, The Registered Owner is liable because the owner has a responsibility to ensure that all permissive use drivers have the appropriate insurance coverage before allowing them to operate the vehicle.Yes, If your daughter is still a minor, the legal guardian (usually the parents) can be sued under parental liability statutes even if the vehicle is not owned by the parents.
I don't understand what you mean by "limit potential liability". Parents are liable for anything a minor does regardless of whose name the car is in. If the parents are seeking to escape liability for accidents when the child is no longer a minor, then titling the car in the minor's name would be the way to go. This does assume they're comfortable with throwing their no-longer-minor child to the wolves.
YES
no
Yes. They are a minor and the parents are still responsible for their child's actions.
No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that. It is also illegal to operate that vehicle on public roads without proof of financial responsibility. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents.
colin "the child killer" Mcrae
It is normal to have feelings that you were an accident if your birth parents didn't want you but try to focus on something more positive. The parents that raised you wanted a child and you were born for them.
This is a situation where the parents of the minor who was driving the vehicle should obtain legal counsel as soon as possible. Because the minor was not licensed the insurance provider does not have to accept liability for any damages. The parents of the minor however, can be held liable for any and all property damage and personal injuries that were incurred, including a possible wrongful death lawsuit depending upon the circumstances.