Specifically, what is my daughter's liability if her stepson gets into an accident and the insurance?

isn't enough to cover it. My daughter and son-in-law live in a fairly new house which is in both of their names. The vehicle her step-son drives is not in her name. Is the house at risk even though both her husband and her own it? Or since both of them do own it, is it "safe"? They live in Ohio

If the vehicle is NOT in your daughters name, and her step son (I'm assuming by marriage) is over 18, she (daughter) dosen't have much to worry about.

If the vehicle is registered in your Son-In-laws name, then your daughter is risking her assets if the accident is greater than the insurance. Get the vehicle registration out of son in laws name (still assuming stepson is over 18).

If Step son is under 18, they are legally responsible for the damages he does to others. Raise the insurance to at least $300,000 or get an Umbrella up to $1 million. A million in coverage should pretty much take care of 99.9% of any accident.

Anything that is owned by son in law and your daughter is at risk for each others legal liabilities.

If the kid is under her husbands insurance then yes, technically, if anything happened then the house could be at risk. BUT that is what you have insurance for and it never gets that far.

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