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I-35 I-80 I-235 I-380 Collisions/Accidents

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Can I sue the policy holder for injuries or just the driver? I was in an accident and the other driver was at fault. He is a high school senior. The insurance policy is in a different name but same address. If the limits are low, can I sue the policy holder or just the driver? I was injured and have had two surgeries. The doctor says I will likely need more.

A:

When in a car, truck or motorcycle accident (a motor vehicle) the proper parties to sue include not just the driver (the operator) but also the owner. Owners are legally responsible for their permissive drivers. That means if the owner gives permission for another to drive their vehicle they are liable to those injured by the driver's negligence. So you sue both.

As for the policy holder - it all depends. If the policy holder is also the car owner than yes, but being the policy holder isn't enough to be sued. 

For good advice see a lawyer and if you have questions about this blog, the law or your case write or call me directly. Steve Lombardi, sdlombardi@aol.com and 515-222-1110. I handle all types of personal injury cases including car accidents, truck accidents, motorcycle accidents, workers' compensation cases. We help truckers all across the country who come through Iowa and end up in an accident. If we need other lawyers from other states we hire them and it costs you no more than what you would pay us; in other words, we split the fee between us. So call 515-222-1110 or email us at sdlombardi@aol.com. 

Lombardi Law Firm
1300 37th Street, Suite 6
West Des Moines, IA 50266
Phone: 515-222-1110
Toll Free: 800-383-0331
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