A parent in Texas kept an adult son's vehicle on their auto insurance. The son caused an accident in Florida where he lives, and the parent wonders about their liability.

Q: I live in Texas. To save my adult son some money, I kept his vehicle on my auto insurance with four other vehicles. He recently caused an accident in Florida where he lives, resulting in a bodily harm claim from the other driver. Our insurance company settled for the maximum $50,000 liability limit. The other driver is now threatening to sue me as well. As a parent, could I be held liable in this situation?

A: You are likely not personally liable for your adult son's accident.

Whether you could be held liable for additional damages beyond the amount of the insurance settlement depends on a number of factors.

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One factor is........

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