Scotts, MI Personal Injury Law Firms & Lawyers

That's probably not true. Most car insurance policies provide a per person coverage amount and a total claim coverage amount. For instance, many people carry a 25/50 policy, which means there is $50,000 in total coverage available for every incident (i.e. a car wreck) but no one person injured in the incident can receive more than $25,000. This works out fine if there are only one or two people injured since no one has to "share" insurance coverage. It does not work out so well when there are three or more persons injured, since they would conceivably be going after some of the same money. Also, it is not automatically split equally. Each person should receive the amount his or her claim is worth, possibly pro rated if there are more than two persons injured due to the issue of having to "share" insurance coverage that I described above.

Only if their names were on the title to the vehicle as Michigan has an Owner Liability Statute. Your parents can't be successfully sued unless they were somehow negligent in causing an injury to someone. So unless they either owned or were driving your car when a crash occurred, any auto crash claim re: your negligence would not be against them.

A conviction for leaving the scene of an accident involving only property damage carries a potential sentence of one year in jail. However, if you co-operate, and since you have insurance, you would likely get probation or perhaps Pre-Trial Intervention. You may want to consult an attorney to determine whether you should turn yourself in, or wait and hope they cannot identify you.