Driving for someone, and the risks of it?

Driving for someone, and the risks of it? Hi, I live in California and about a month ago, I got an auto insurance under my parents name, since getting one under my name was too expensive (i'm 19 and going into college). My parents heard a story from one of their friends that passengers can sue the driver when accidents occur, and apperantly their friend was sued for 200k from their daug...

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