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Hello. Welcome and thank you for using JustAnswer. My name is David.
I am an attorney with 54 years of experience to share with you.
I’m sorry you are having these troubles. I know you are going through uncertainty and aggravation, otherwise you would not be here, asking for help.
You can be assured that I’ll do my best to provide information and comfort.
Just think of me as a friend with a law degree. So, how can I be of assistance.
Thank you for the opportunity to discuss the issue of obligation as a guardian for your Ward.
What you are doing is a very nice thing. Congratulations.
Please tell me what is concerning you. Is she driving your vehicle and do you have insurance.
As her guardian you very well may be responsible for her driving.
You should insist upon substantial insurance and that you be Identified as an Additional Named Insured. Another protection is that the insurance carrier will be required to immediately notify you if the policy is canceled for any reason.
The ONLY way you are protected, and this applies to every aspect of your life, is to have adequate primary insurance and then a policy of Excess Insurance.
Excess insurance provides additional financial limits above those covered by the underlying policy. Unlike umbrella policies, excess insurance does not expand the terms, or scope, of the underlying policy, but rather, covers higher limits to safeguard against unforeseen, catastrophic claims and loss.
Are you sure that you are comfortable with, and do you understand the information I have provided. That’s important to me. I want to be sure that you fully understand all that been answered. Can you think of any other questions you would like to ask about the subject.
It isn't a question of liability but rather one of indemnity In the event that a catastrophe occurs.
Worst case is that you would be held liable for her conduct and would have to pay damages.
Remember that you can always get back with me if additional issues arise.
I wish you the best of luck.
Thanks for trusting me and JustAnswer with your questions.
It has been my pleasure to help you. Keep me updated on your case.
If you still have more questions about this issue, call on me. I’m here to help.
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It is always my distinct pleasure to be of assistance. David