It is estimated that 1,500 skills are required to operate a motor vehicle. Young drivers must acquire these skills through practice. While Maryland has created several young driver traffic safety programs, like the state’s Graduated Licensing System, which covers more than just typical driver education, teen driver accidents are still a concern.
Each year, the state experiences over 13,000 teen accidents, causing approximately 14 fatalities and 6,000 injuries.
This is especially concerning for parents. Not only do you want to ensure your child is safe on the road, but if an accident does occur, you may wonder if you will be held liable.
At Mooney Law, we understand the importance of understanding the law and your responsibilities. Here, you will find more information on parental liability in teen accidents. If you or your teen is involved in a crash, we are here to help. Contact our experienced car accident lawyer in Maryland for help with your case.
Understanding Parental Liability
In Maryland, parents are not automatically liable for car accidents involving a teen driver. Factors like the parent’s involvement and circumstances are considered.
Several doctrines (described below) determine if a parent is liable for their child’s actions.
Situations When Parents May Be Sued and Liable for Teen Accidents
Understanding how parents may be held liable for their teen’s driving accidents is crucial for responsible parenting.
The three situations to understand include:
Negligent Entrustment
Negligent entrustment occurs when a parent allows their teenager to operate a vehicle despite knowing they are unfit to drive. This could involve allowing a teen who has exhibited poor driving skills or has received prior driving violations to use the family car.
If an accident occurs under these circumstances, parents can be held liable under this legal theory. According to the Maryland courts, parents must exercise due diligence to assess their teens’ drive readiness.
According to Maryland’s Transportation Article (Title 11), parents or guardians must cosign a minor’s driver’s license application. Once they sign, the parent or guardian can be held liable for damage caused by negligent driving.
Family Car Doctrine
The family car doctrine holds parents liable for accidents that occur while their teen is driving a vehicle owned by the family. This doctrine suggests that when parents provide a vehicle for their child’s use, they effectively assume responsibility for their child’s actions while operating that vehicle.
If a teen causes an accident while driving the family car, parents may face legal claims. While there is not an “official” law in the state for the family car doctrine, the topic may come into play under vicarious liability, which could be cited in these cases.
Direct Parent Negligence
Direct parent negligence occurs when a parent fails to supervise and guide their child adequately. This can include a lack of proper instruction on safe driving habits or failure to monitor their teen’s driving experience appropriately.
If a parent’s negligence can be directly linked to their child’s poor driving, resulting in an accident, they may be liable. This principle encourages parents to engage responsibly in their teens’ driving education.
By understanding these concepts, parents can proactively ensure they are not inadvertently exposing themselves to legal repercussions regarding their teen’s driving.
The Role of Insurance
When considering liability, it’s important to note that auto insurance often plays a significant role in addressing claims. Parents typically carry insurance covering their vehicles and any drivers, including their teen drivers.
If a teenage driver is involved in an accident, the parent’s insurance may cover the damages and injuries resulting from the incident up to the policy limits. However, this coverage can sometimes lead to increased premiums and complicated claims processes, prompting the need for an accident lawyer in Maryland to navigate any disputes.
In August 2024, the average cost for full coverage car insurance in Maryland is $2,548 per year. However, this figure can dramatically increase if claims are made after an accident involving a teen driver.
Helping Teens Become Responsible Drivers
Parents should actively participate in their teen’s driving education to minimize potential liabilities. This can include:
- Setting Clear Rules: Establish guidelines regarding driving times, passenger limits, and acceptable driving behaviors.
- Teaching Safe Driving Practices: Encourage keeping mobile devices away, obeying speed limits, and avoiding distractions.
- Using Technology: Consider apps designed to track driving behaviors and promote safer habits, which can provide invaluable data for parents.
- Insurance and Legal Guidance: Ensure your teen is well-informed about your auto insurance policy. If your driving situation changes, consulting a Maryland auto accident attorney can help clarify liability concerns.
Contact Our Car Accident Lawyer in Maryland for Assistance
While the prospect of parental liability in the event of a teen driver’s accident can seem daunting, some steps can alleviate this burden. Educating your teen, setting rules, and involving a Maryland car accident attorney when necessary can be protective measures.
Understanding the legal landscape and having meaningful conversations about safe driving practices will ensure your adolescent becomes a responsible driver, ultimately reducing the risk of accidents. Always remember that knowledge and preparedness can help safeguard your family and your financial liability.
If your teen is involved in an accident and you need assistance, our Maryland car accident attorneys at Mooney Law are here to help. Contact our office to schedule a risk-free case review.
