Carpools are a huge time saver for families. However, it is important for you to check your auto insurance policy to make sure you are protected before you agree to transport other children.
As with any auto accident, the driver can be sued for being negligent and injuring another person so it is important that your liability insurance is sufficient to cover any expenses that an injured passenger may sustain while in your vehicle.
If you are the parent of a child riding with someone else, should also have adequate under-insured motorist coverage. If your child gets injured while riding with someone else and their policy cannot cover the costs, you can protect your family with additional UIM.
While car pooling is a great time saver with busy school schedules, it can also become a complex legal situation. The reality is when you offer to take any passenger in your car, you also take on the responsibility for protecting them. The more people you have in your car, the greater the risk you expose yourself to.
This is why you must find out if you have enough medical coverage in your policy for a worst-case situation, like when a child suffers a personal injury.
As always, if you or a family member is involved in an auto accident contact our office as soon as possible to your rights and obligations.