Who Is Responsible?

[weplumcrazy]

What is the name of your state?
TEXAS

A person is considering purchasing or assuming the notes on a vehicle owned by another individual. This person takes the vehicle for a test drive. During the test drive they are involved in a fender-bender at which they are at fault. After the fact, they learn that the owner of the vehicle has let the insurance lapse on the vehicle and the test-driver is issued a citation for no insurance.

Who is responsible for the damage to the other vehicle involved - the test-driver or the actual owner of vehicle? Who is responsible for the ticket for no insurance?

 

[moburkes]

The person who caused the accident is responsible for the accident. They were the negligent party. They are responsible for the repairs to both vehicles-the one they were driving and the one they hit.

The owner of the vehicle AND the driver of the vehicle can both be given citations/suspended licenses for not having insurance. The driver is responsible for the ticket-the ticket has their name on it. The driver has the responsibility to make sure that any vehicle that they drive is covered by insurance-its the law.