Yes, likely you could be held responsible in some capacity since you are the owner of the car due to having your name on the title.

State laws and insurance policy terms vary and we are familiar with all states liability laws. In general though, the owner of a car can normally be held responsible for that driver's actions in their vehicle.

Normally states will assign at least vicarious liability to the owner of the car for what the driver does while operating the vehicle.

Vicarious liability is a legal concept, which refers to one party being held liable for the injury or damage sustained by another party, despite the fact that they had no active involvement in the incident. So as the owner of the car you may not be driving when an accident occurs but if you are the car's owner and gave the driver permission to drive your car and there is an accident you (as well as the actual driver) may be held responsible.

The damage to the guardrail must have been substantial for the city to be billing you and/or the driver $22,000. You may want to get advice from a lawyer familiar with this type of situation in your state to protect yourself and see if there is a way in which to make certain the driver, your sister, will be held responsible for the damages she caused instead of you being charged for the damages.

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