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Q&A: “Own” a car that is in someone Else’s name…insurance lapses, you get in an accdt. will the owner be liable?

Question by : “Own” a car that is in someone Else’s name…insurance lapses, you get in an accdt. will the owner be liable?
Question for people who really know. Prefferable a law student or lawyer…My sister gave me her car so that she could get one with cheaper payments and wouldent have to let it get repo’ed. I became unemployed and couldnt afford the insurance any longer. I had gotten into an accident. The accident was deemed my fault. There is a company that is now persuing medical and workers comp. from me. This company has already paid out to the other party but wants to get the money back from me. I have been told my only option is to either settle and pay or file bankruptcy. At this point in my life bankruptcy is my only option. Can this company legally then, after I file chapter 7, try to collect from my sister. Keep in mind that although she was the owner on paper I have been making car payments for several months. I was the one that was driving and got into the accident. My sister didnt know I was uninsured. Can they still take her to court and get a judgement or garnish her wages?
Thank you for your answers. I am not a terrible person, however, not responsible at that point in my life. Unfortunately even people who are down on their luck and cant afford insurance still have to drive. Other than that it is beyond excuses. The reason I asked if I could file bankruptcy without leaving my sister for the fall shows that I am not willing in any way to abandon my sister with a debt that is my responsibility. I would not even consider the Bankruptcy if I wasn’t sure she would be “immune” to collections. Thanks for all your know how.

Best answer:

Answer by Dan W
In PA. Yes

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4 comments - What do you think?  Posted by - January 2, 2011 at 4:14 pm

Categories: Workers Comp Lawyers   Tags: , , , , , ,