Parent Minor Liability
In most cases a minor such as a teenager who is driving a car is covered by her parent's insurance policy coverage or her own coverage.
In the case that the minor is not named on a parent's insurance policy, the parent is liable. This means that a personal injury attorney Phoenix claimant can collect from the parental insurance company coverage. In addition, if the car the minor is driving is owned by one of the minor's parents, the parent is liable. If the minor is the registered owner of the auto, but has not obtained insurance, in Arizona, the parent is usually responsible for all damages. This would then bring in the parent's insurance company as the source for liability coverage.
In the instance when the minor is the owner and the parent ends up being liable, there is a limitation by Arizona statute as to the extent of damages the parent is liable for. Therefore, in the instance when a third party is involved in an accident with a minor who has little or no insurance coverage, a personal injury attorney Phoenix claimant might possibly be able to file a claim against the minor's parent(s). The injured party is entitled to collect from either one or both of the parental policies up to, but not exceeding the limit of the third party's total damages.
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