Liability insurance co-parenting; what about it?
Your children are outside playing and you see the ball go through the neighbor's window. An accident is in a small corner, but the damage must be compensated. After the divorce, you never thought about liability insurance. Coincidentally, you know that your ex does have liability insurance. Can you claim damages through his insurance if you are separated and the children are with you? Will you still be liable for damages incurred by your children? Should you both have insurance when co-parenting the children? Questions like these will be addressed in this helpful article on co-parenting liability insurance.
Liability insurance co-parenting; when are you responsible?
The law specifies the age of children in different categories with respect to liability.
Children up to 14 years of age are never liable themselves. Parents are always liable for the children's actions in this case.
Children of 14 or 15 are liable themselves and sometimes together with the parents. In this age group it depends on the situation and where you were as a parent. Could you have fixed it you are liable, could you not your son or daughter is liable.
Children 16 years of age and older are entirely their own liability. In principle, you then never bear your child's liability. However, it is often the case that they are covered by your insurance and you, as a parent, take care of it for your children.
But if you are divorced and you both have co-parenting of your offspring, who should take out liability insurance? In principle, the parent with whom the children are with is liable for damages that occur. However, you are jointly responsible for your children. The party who suffered the damage may try to recover damages from both parents. It is therefore important to insure both of you against liability. Apart from taking out co-parenting liability insurance, it is also important to make good arrangements with your ex-partner.
Until what age are your children co-insured under liability insurance?
If you have liability insurance that covers the entire family (those registered at your address), in principle, your children are insured until the age of 27. There is an exception to this, however: if your child gets married.
What should you look for in co-parenting liability insurance?
Each insurer has different policy terms and conditions. It is important to review these carefully and contact your insurer if necessary. The insurer can go through with you what you should pay attention to and how you are insured. It is also wise to indicate that you are divorced, so the insurer can take this into account.
Take out your co-parenting liability insurance through Alpina: simple and affordable
Are you considering co-parenting liability insurance? Then take it out now through Alpina! We have the right coverages for every situation. Always at the most competitive premiums. Do you have any doubts or questions about our co-parent liability insurance? Feel free to contact our customer service team. They are only too happy to answer all your questions.
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