Third-party liability in car accidents
If and when your child causes a car accident, the expectation is that your auto insurance will cover the accompanying expenses. Yet depending on the severity of the collision (and the amount of the resulting expenses), compensation through insurance coverage may not be enough. Given that your teen likely lacks the financial resources to assist an accident victim in affording their expenses, said victims may look to you for compensation.
The legal principle of negligent entrustment allows for just that. You may not view allowing your teen to use your vehicle as negligence, yet when applying this principle to car accidents, local state law looks to the precedent established in Section 308 of the Restatement (Second) of Torts. This principle (as cited in similar cases) states that it is negligence to allow one use of something from which such use (due to the actor) is likely to put others at risk.
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Yet your teen simply causing an accident with your vehicle may not be enough to cite negligent entrustment. Local state court rulings show that you must knowingly entrust the vehicle to them (which might exclude cases where they took the car without your permission).
Last updated Thursday, June 4th, 2026
