Your dad can fire you. And don't forget, if your has been helping you with college expenses, and if you really force this, act like a jerk, he can fire you from being his son. It's a pretty big price to pay for a pretty small amount of money in the long haul.
So sorry. It was a bad business move by your father not to insure you. At most he could take you to small claims court if you refuse to pay (just like any other uninsured employee). Although what about your personal car insurance? Would it cover you/him? It would probably in the end raise the rates though.
Like others have said, if he is giving you other support, that might go away. and who knows about a personal relationship? I am sorry that he is being harsh over a combined mistake. Maybe ask if he would split the cost since you both could be considered liable?
If you wanted to be retaliatory -- you could always anonymously notify the agent/insurance carrier that he has non-insured employees driving company vehicles.
What is probably going on (all speculation on my part) is dad is paying his son cash off the books. There is no W2, no entry in the payroll, no workman's comp, he is not listed as an employee.
Sorry for not mentioning state i can see that as useful information, i live in Arizona. I wanted information not regarding father/ son relationship as i know damages that occur to this are a whole different story. I am payed on the books through his company as well, not under the table.
Also, i decided that with my actions i do not see myself suitable to be driving that vehicle especially uninsured and have already made the decision to not continue working for him. I just wanted to know the legal end of things not what is right by me and my father.
thanks
would like to get more peoples input on this
I find nothing to cause me to change my response.
Even in the majority of states in which an employer could successfully sue the employee for damage due to negligence few do. Most are covered by insurance and simply collect on the insurance. The insurer could go after the employee under its right of subrogation, but as most employees don't have much from which to collect anyway, it’s not worth the effort.