Obviously, as the driver of the vehicle, you are responsible for the accident. However, as the owner of the vehicle and since he gave you permission to drive his car he could be found liable for some of the damages.

A reader commented, "The father is not necessarily responsible for the accident simply because he owned the car and let his adult son use it. A few states hold registered owners responsible up to the statutory liability limits, but these states are the exception. The father would be legally responsible only if he failed to maintain the car and the lack of maintenance was a factor in the accident. "

We try to only answer insurance related questions, so you will need to seek legal counsel about the negligence.

He will need to report this accident to his insurance company immediately. Also, you will need to speak to his insurance company about the accident. Most insurance companies will require that your father list all drivers as household members including any children away from home or at college that may operate his vehicle. Coverage is usually extended to any other person using his insured car with his express or implied permission to do so. However, it usually does not include any relative not listed on the application or policy. He should check with his insurance company to determine what their specific guidelines are regarding this situation.