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myLot reputation of 99/100. Trace86 (3407)   ranked 10 out of 38,017 in life1 month ago

We have my 22 year old stepson living with us. He is unemployed and doesn't appear to be looking for work. We have paid his car insurance for the last 3 months. My husband says that if we don't pay it and he gets in an accident and is uninsured that they can come after us because he lives with us. But he is an adult, albeit a slacker one. Are we legally responsible for his actions just because he won't get off his rear and get a job and get out of my house?

 
 
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tags:  responsibility, insurance, legal question, children, the bad seed
 
1. myLot reputation of 78/100. vonmac (1736)   ranked 4,387 out of 38,017 in life   1 month ago

I see you are in America, sorry havent got a clue where you would stand
But I would have thought him being an adult would mean it was he who would be responsible for his actions and not you.
Someone will no doubt come along who will know, but perhaps a quick phone call to a lawyer might be in order.

Im not sure I would relish a 22 year old living with us who didnt want to go and get a job and contribute to his share of bills and take responsibility for himself
How does he manage to run a car? The gas and stuff, repairs, etc. Do you pay for that stuff as well.

I hope I dont sound harsh, but I wouldnt be paying for anything for him, at 22 he is an adult and if only for his own self esteem sounds like he really needs a reality check, and maybe having no transport might set him in the right direction.


myLot reputation of 99/100. Trace86 (3407)   ranked 10 out of 38,017 in life  1 month ago

His father brought up the point that if he didn't give him gas money, he would not go out and would be moping around the house.
If it were my choice, I wouldn't give him a cent. My husband says I would feel different if it were my kid. I don't think I would though. I am tired of not doing my stuff because I have to bail him out of some mess.


myLot reputation of 78/100. vonmac (1736)   ranked 4,387 out of 38,017 in life  1 month ago

My husbands oldest son needed a wake up call,
My husband told him straight, if he didnt get a job in a certain time he was gone
Well the boy didnt listen, 6 months was the limit which was fair,
The boy never tried to get a job, and one day husband told him to pack his bags and leave,
He found an appartment and job within a week!!!
He says he is glad now that his dad was so tough with him.

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2. myLot reputation of 78/100. Holv03 (373)   ranked 4,419 out of 38,017 in life   1 month ago

The only reason why they would go after you if is you stepsons car is under your name or your husbands name. If it is then yes you will get in trouble because its basically under your name but there is no rule in the United States that says if he has a car under his name and he gets in an accident the people he lives with get in trouble. The only person who will get in trouble is the person who owns the car legally by that I mean the person who has the car registered on his name. If your name or your husband name is not on the car then you wont get in trouble but if is not and your husband is still paying his car insurance he is just trying to help him and support him. I really think your stepson needs to get up and find a job because the economy is bad but its not that horrible where he can't find a job. I am 22 years old and I have two jobs right now and pay a house, car insurance and a whole bunch of other bills also I go to school full time so he is just probly being lazy.


myLot reputation of 99/100. Trace86 (3407)   ranked 10 out of 38,017 in life  1 month ago

I think he is. He keeps claiming that he is looking for a job, but he is always here. There is a grocery store just down the street that appears to hire just about anyone. He refuses to apply there.
I give you snaps for being so self sufficient. I am sure that your family is very proud of you. Keep up the good work!

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3. myLot reputation of 98/100. pyewacket (11560)   ranked 224 out of 38,017 in life   1 month ago

As another poster indicated, unless you have your name on your son's car insurance I don't think there is any way they can come after you--is his car and car insurance under his name only? The only thing I can equate this is with what happened when my mother died...she was over $25,000 in debt due to credit cards and loans, but since my name wasn't joint on anything I wasn't responsible for paying any of those bills when she died...thank goodness...no way could I have paid it off

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4. myLot reputation of 97/100. coffeebreak (4827)   ranked 2,446 out of 38,017 in life   1 month ago

You might ask your insurance company that question. But... he is 22 - over "legal age". Where he lives has nothing to do with it. If he had an apartment and had an accidnet with no insurance, they wouldn't go after the land lord. Under 18 yes they might come after you, over 18.. probably not, but for sure over 21 they can't come after you....unless he is on your policy... then they might be able to or at least you insurance could cancel you

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5. myLot reputation of 98/100. muscles4me (8514)   ranked 2,462 out of 38,017 in life   1 month ago

NO. He is not yor dependent so you are no liable. As a matter of fact you can call the police and tell him your son is an uninsured driver and in some stares the car will be booted or towed away. If he was under 21 it is correct. I hope his name isnot on the deed to the home becasue then there could be problems. I would give him 30 days to find a job or show proof that he has piut in applications orget out.

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6. myLot reputation of 93/100. therisingsun (309)   ranked 6,940 out of 38,017 in life   1 month ago

As everyone said, of course you are not responsible at all. As he is grown up enough to handle the responsibilities of his own, what happens to him, he is only the responsible person. Being his well wisher, you can just make him understand the things but what to do is solely depends upon him only.

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7. myLot reputation of 99/100. Shellyann36 (688)   ranked 6,615 out of 38,017 in life   1 month ago

That would depend whose name is the car in? If the vehicle is in his name then it is his responsibility. If it is your vehicle and he is on your insurance policy, I would take away the keys and take him off of the insurance. Then if he drives the car have him arrested for grand theft auto. Sounds as if he needs tough love and his dad is just making matters worse. As long as the vehicle and insurance are in your stepson's name then it does not matter. He is a grown man and no one can hold you legally responsible if anything happens as long as it is all in his name. If it is in your names I would take the keys away and get him taken off of the insurance and tell him he has to straighten up!

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8. myLot reputation of 79/100. max1950 (1390)   ranked 702 out of 38,017 in life   1 month ago

as long aS HE'S OF LEGAL AGE OF YOUR STATE I WOULD NOT THINK SO BUT I THINK 21 IS THE LEGAL AGE OF ALL STATES . ID CALL A LAWYER AND ASK TO BE SURE,JUST TELL HIM HE'S TAKING HIS CAR OUT WITHOUT PERMISSION BECAUSE OF NO INSURANCE AND ARE YOU LEGALLY LIABLE, THEN IF HE ASKS YOU IF YOU WANT TO PROCEED WITH AN OPTION ASK FOR HIS EXTENSION AND DONT CALL HIM BACK THIS WAY HE CANT CHARGE YOU. I'D CALL MORGAN AND MORGAN THEIR IN THE YELLOW PAGES.

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9. myLot reputation of 79/100. spalladino (8891)   ranked 411 out of 38,017 in life   1 month ago

I agree with the other responders who say that you're not liable unless his car is in your name. You need to give him a deadline and maybe a little more assistance to go with it, but if he doesn't have a job by such & such date, he has to go. People will take advantage of you only as long as you let them.

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10. myLot reputation of 66/100. SACHIN2708 (730)   ranked 11,455 out of 38,017 in life   1 month ago

i dont know about rules and legal of your country so i can tell you but i can say that huminity and hospitality is very good thing now he needs ur help so this time help him and after few days make him understand his responsbilities after all he is son weather he is step .there is great power in love

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