Can an insurance company sue an adult son for a fire on the parents' rental home?

Answer by  Molae06 (1467)

Yes, the adult son would be treated just as any other adult would. He may be sued based upon the findings of the investigation.

Answer by  Latin4 (11170)

Yes, if the son lived in the house and paid rent. If he did not pay rent they could try to subrogate.

Answer by  Robin (149)

An adult son would be considered a resident of the household. Residents of the household are protected by household insurance policies and thus would he have immunity.

Answer by  tamarawilhite (17883)

An insurance company can sue someone if the individual in question was found to have deliberately set the fire (by arson) or allowed the fire to occur through negligence (not maintaining the furnace, leaving a burning cigarette out, not supervising a gas grill).

Answer by  Rubberchicken (819)

It is doubtful that an insurance company would attempt collection in this instance unless the fire was an act of arson and criminal charges were sought. Furthermore, an insurer would typically need to consider the overall financial condition of the son before making a decision to attempt collection. In many instances, an insurer could spend more money attempting collection.