SecondCor521
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
OP here with a follow up.
I consulted an attorney friend and they in turn consulted a network of attorneys on my question. The general consensus was that unless I had an ownership interest in the kid's vehicle or had asked them to run me an errand during which they committed a negligent act, that although I might be sued I would not be liable.
I canceled my umbrella policy on Tuesday and will simply make it a point not to ask my kids to run errands for me.
USAA belated informs me that I can increase my auto liability to $1M/$1M if I want to. Since driving is my main source of liability risk, I may do that.
IANAL and YMMV, obviously.
I consulted an attorney friend and they in turn consulted a network of attorneys on my question. The general consensus was that unless I had an ownership interest in the kid's vehicle or had asked them to run me an errand during which they committed a negligent act, that although I might be sued I would not be liable.
I canceled my umbrella policy on Tuesday and will simply make it a point not to ask my kids to run errands for me.
USAA belated informs me that I can increase my auto liability to $1M/$1M if I want to. Since driving is my main source of liability risk, I may do that.
IANAL and YMMV, obviously.