Teen Drivers and Car Accidents – Who’s Liable Under Ontario Law?

When a teenager causes a car accident in Ontario, the question of liability becomes more complex than with adult drivers. Who pays for the damage? Is the teen fully responsible, or do their parents bear some legal responsibility too?

Here’s what Ontario law says about liability when it comes to teen drivers.

Age Doesn’t Always Equal Independence

In Ontario, the legal driving age is 16, with restrictions under the graduated licensing system (G1, G2, then G). While teens can legally operate a vehicle, that doesn’t mean they’re entirely liable on their own in the event of a crash.

If a teen causes an accident, liability may extend to the vehicle owner—which is often a parent or guardian.

Vicarious Liability – When Parents Are On the Hook

Under Ontario’s Highway Traffic Act and vicarious liability principles, the person who owns the vehicle can be held responsible if they gave consent for someone else to drive it, even if they weren’t in the car.

So, if a teen is driving a parent’s car with permission and causes a collision, the parent (as vehicle owner) is likely liable for:

• Property damage

• Medical costs

• Legal claims from other drivers

What About Negligence?

If a parent knowingly allows their teen to drive unsafely—or ignores clear signs of recklessness—they could also be held liable for negligent entrustment. For example, if a teen has a history of distracted driving or speeding tickets, and the parent still hands over the keys, the parent could face increased legal exposure.

Insurance Coverage Matters

Most auto insurance policies in Ontario require all household drivers to be listed—especially teens. If a teen is involved in a crash and wasn’t disclosed to the insurer, it could result in:

• Claim denial

• Increased premiums

• Policy cancellation

That’s why it’s critical for families to notify their insurer as soon as a teen becomes a licensed driver.

If You’re the Victim

If you’ve been injured in a collision caused by a teen driver:

• You may be able to pursue compensation through the vehicle owner’s insurance.

• A personal injury lawyer can help determine who is liable and how to file a claim.

Car accidents involving teen drivers raise tricky questions about responsibility. While teens can be legally at fault, parents often share liability—especially if they own the vehicle or failed to supervise appropriately.

If you’ve been hurt in an accident involving a young driver, Hilborn and Konduros can help you navigate your options and pursue the compensation you deserve.