Will i be held responsible, for my grandaughter for taking my car without my permission and having a serious accident?

Dear Anonymous: While the answer ultimately depends on the language in your insurance policy and some more fact details, generally you will be held liable - and therefore, your insurance policy will pay - for damages caused by anyone who is a permissive user of your vehicle. Basically, that means if you are driving your car and cause damage by your negligence, then your insurance policy should pay. If your car was stolen, or the user is not a permissive user of your car, your insurance policy will usually not pay for damages done by the negligence of the person who stole your car or was using it without your permission. It sounds like in your case there may be several questions to ask: Did your granddaughter really steal ther car? Did you report that to the police? Would you even want to do that? Did she regularly drive the car with your permission and she just didn't happen to ask this time, but really, you were fine with her taking it? Most likely your insurance company will deny coverage if you tell them the car was not being driven with your permission. A side issue is that if one of the people your graddaughter hit was attacking your granddaughter, that person is likely contributorily negligent anyway, and because of that, the attacker would not have much of a case against you or your graddaughter anyway. This response does not form an attorney-client relationship, nor should it replace a full consultation with an attorney. Please be advised we cannot give full and complete legal advice without further information that is not capable of being conveyed in this format. If you would like to receive a free consultation regarding your possible legal matter, please feel free to call us at 1-888-372-4859.