My 14-year-old son took my Onewheel GT out without asking. He lost control and scratched the side of a parked Mercedes. The owner is demanding $3,500 for bodywork. I assumed my liability insurance covered my family, but the “Minimum Age” clause in the PEV policy is threatening to leave me with the bill.
Key Takeaways
- Vicarious Liability: As a parent, you are legally responsible for the torts (wrongs) committed by your minor children.
- Policy Age Limits: Many specialty PEV policies have a minimum operator age (often 16 or 18). If a 14-year-old was riding, coverage is voided.
- Permissive Use: If you allowed him to ride, it’s negligent entrustment. If he stole it (took without permission), you might have a defense, but it’s messy.
- Homeowners Liability: This is your best hope. It covers the “actions of a child” unless the “motor vehicle” exclusion applies (which it often does).
The “Why” (Operator Requirements)
“This insurance applies only while the vehicle is operated by a Named Insured or a person over the age of 18.”
High-power boards are not toys. Insurers price the risk based on adult judgment, not teenage impulses.
The Investigation: Who defends the kid?
I asked agents about coverage for minors.
1. The Specialty Policy (Oyster/Sunday)
- Clause: Check the “Operators” section. Some allow 14+ with helmet. Others strict 18+.
- Result: If the policy says 18+ and he is 14, they deny the claim.
2. Homeowners Liability
- Clause: Covers the child’s negligence.
- Hurdle: The “Motor Vehicle” exclusion. You have to argue the board is a “toy” or “recreational device” designed for use off public roads (if applicable).
3. Umbrella Policy
- Result: Often drops down to cover this IF the underlying policy is exhausted or if there is a specific exception for recreational vehicles used by family members.
Comparison Table
| Scenario | Liability Coverage | Note |
| Child on Bicycle | Yes (Homeowners) | Standard coverage |
| Child on 20mph Board | Maybe | Depends on “Motor Vehicle” definition |
| Child on 40mph Scooter | No | Likely illegal/excluded |
Step-by-Step Action Plan
- Lock it Up: Treat the board like a gun or liquor. If you have a teen, lock the board or the charger.
- Read the Age Clause: Before buying insurance, ask “Is my 14-year-old covered?” Get the answer in email.
- Settlement: If insurance denies, try to settle with the Mercedes owner directly to avoid a lawsuit that names you and your child.
FAQ
What if he hurt himself?
Your health insurance covers his injuries. The liability issue is only for the damage to the Mercedes.
[IMAGE: Photo of a scraped car door and a teenager holding a helmet looking guilty]