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I have a son that has a leased car. The lease and insurance…

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I have a son that...
I have a son that has a leased car. The lease and insurance are in his name. I co-signed the lease. do I have any liability if he gets into an accident with the car.
Submitted: 4 months ago.Category: Consumer Protection Law
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Answered in 49 minutes by:
3/16/2018
Consumer Protection Lawyer: Attorney Wendy, Lawyer replied 4 months ago
Attorney Wendy
Category: Consumer Protection Law
Satisfied Customers: 1,197
Experience: Member at Keefer & Keefer LLC
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Hello. My name is ***** ***** I am an attorney. The full answer to your question would depend on the actual terms of the lease you co-signed and whether you are considered a co-owner/co-lessee as well as being responsible for payments under the lease. As just a co-signer for financial purposes, assuming you are not a co-lessee (meaning you co-signed essentially as back-up payment on the lease but not as another person leasing the vehicle), you are not typically liable for the injuries and damages from an accident involving that vehicle, but you would be liable to make any lease payments due if your son misses them after an accident or where the car is damaged in an amount that results in its being totaled; you may still have responsibility (with your son) for any remaining payments under the lease that weren't fully reimbursed by insurance. The key to whether you might have additional liability in the case of accident, will depend on how the car is titled and whether, as mentioned above, you could be characterized as a co-lessee. In that situation, you could be sued as an "owner" and possibly for negligent entrustment of the vehicle to your son. And, it is important to know that in any lawsuit resulting from an accident, it would not be uncommon for anyone associated with the vehicle to be sued, even if ultimately they cannot collect any damages (money) from you.

It is admirable to assist your son with this transaction and I hope this information is helpful. If you need further assistance, please reply to this email. If I answered your question and provided excellent service, I would greatly appreciate your 5 star rating at this time.

​Please note: This information is for educational purposes only and is not legal advice. No course of action is being proposed and no attorney-client relationship or privilege has been formed as a result of this conversation.

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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